Virtual card use cases for 105 merchants
One page per checkout, each listing the card ranges that cleared it, the fee every issuer publishes, and the declines we could not fix with the gateway reason attached. Start from the merchant that turned you down rather than from the card.
Charge log through 01 Oct 2026 14:40 UTC · how the data is collected · browse by group instead
AI Tools & Developer Tools · 20 pages
These subscriptions bill in USD through their own gateways, and several re-check the card's country on every renewal. In this group 6,169 of 8,582 charges cleared.
- ChatGPT Plus
- OpenAI API
- Claude.ai
- Anthropic API
- Midjourney
- Suno AI
- Udio AI
- RunwayML
- Pika Labs
- ElevenLabs
- Perplexity AI
- v0.dev
- Cursor Editor
- GitHub Copilot
- DeepL Pro
- Poe
- Stable Diffusion
- Leonardo.ai
- Gamma App
- Hugging Face
Browse the group page for the full range table: AI Tools & Developer Tools →
Streaming & Entertainment · 20 pages
These services price and license by region, so the card's issuing country decides what plays and what renews. In this group 6,494 of 9,049 charges cleared.
- Netflix
- Spotify Premium
- YouTube Premium
- Disney+
- Amazon Prime Video
- Apple Music
- Max
- Hulu
- Paramount+
- Crunchyroll
- Twitch
- SoundCloud Go+
- Tidal
- OnlyFans
- Fansly
- Patreon
- Discord Nitro
- Adobe Creative Cloud
- Canva Pro
- Zoom Pro (Meetings)
Browse the group page for the full range table: Streaming & Entertainment →
Cross-border Shopping · 15 pages
These retailers refuse cards issued outside their own country, or run an address check that a mismatched card fails. In this group 5,776 of 8,039 charges cleared.
- Amazon US
- eBay
- Walmart
- AliExpress
- Etsy
- Best Buy
- Target
- Sephora US
- Nike US
- StockX
- GOAT
- iHerb
- Taobao & Xianyu
- Shein
- Temu
Browse the group page for the full range table: Cross-border Shopping →
Cloud & VPS · 15 pages
These providers put a small hold on the card before provisioning, then bill hourly or monthly against it. In this group 5,963 of 8,297 charges cleared.
- AWS
- Google Cloud Platform
- Microsoft Azure
- DigitalOcean
- Linode
- Vercel
- Netlify
- Heroku
- Cloudflare
- Namecheap
- GoDaddy
- Hostinger
- Hetzner
- OVHcloud
- Contabo
Browse the group page for the full range table: Cloud & VPS →
Ad Platforms · 10 pages
These platforms need one card per account and re-authorise whenever spend crosses a threshold. In this group 6,033 of 8,400 charges cleared.
- Facebook Ads
- Google Ads
- TikTok Ads
- X Ads
- Bing Ads
- Pinterest Ads
- Snapchat Ads
- Reddit Ads
- Taboola
- Outbrain
Browse the group page for the full range table: Ad Platforms →
Gaming · 15 pages
These storefronts lock prices and wallets to a region, so the card's country sets the price and the store credit. In this group 7,054 of 9,816 charges cleared.
- Steam
- Epic Games Store
- PlayStation Network
- Xbox Live
- Nintendo eShop
- Roblox
- Minecraft Store
- Blizzard Entertainment
- EA App
- Ubisoft Connect
- Riot Games
- Twitch Gift Cards
- GOG.com
- App Store
- Google Play Store
Browse the group page for the full range table: Gaming →
Travel & Productivity · 10 pages
These bookings and renewals fail quietly, usually a day before the trip or the deadline you care about. In this group 5,111 of 7,121 charges cleared.
- Airbnb
- Booking.com
- Uber
- Notion
- Microsoft 365
- Google One
- iCloud+
- Skype Credit
- Zoom Video Communications
- Linktree
Browse the group page for the full range table: Travel & Productivity →
What to do with these pages
- Find the merchant that declined you. Each page lists its ranges with the pass counts from the evidence log, so you can see which one cleared and how often.
- Match the card's issuing country to the region your account is registered in. Most declines in this set are region mismatches, not a lack of funds.
- Check the fee rows before you fund anything. Top-up percentages compound on every reload, and they matter more than the one-off card creation fee.
- If a range is blocked at one merchant, try another range rather than retrying the same card. Blocks are range-level, not account-level.
Looking for the card rather than the merchant? The card finder filters 182 issuers by network and KYC tier, the BIN lookup resolves a single range, and the country guides cover where each issuer actually issues.