How to Pay for Midjourney with a Virtual Credit Card

The decline you are seeing on Midjourney is a card-range problem, not a balance problem. 23 cards tested this month, 10 usable.

Why Midjourney turns your card down

Your bank is not blocking anything, the merchant is. Midjourney sees a card range it does not like and issues a soft decline before the authorization ever reaches your issuer. That is why you get no fraud alert and no explanation.

Cards that worked on Midjourney

10 of the 35 issuers we track carry a positive flag for Midjourney. Sorted by our blended score, which weighs fees at 40%, how reliably the card cleared at 35%, and KYC friction at 25%.

Some links here are affiliate links. They do not change the order of this table.

The three we would actually use

• Bleap is not the cheapest on the list, but it was the most consistent across three separate test runs. That counts for more than a dollar of savings.
• Take Starling Bank if you want the lowest issuance cost (Free). Think twice if you plan to fund large amounts, because no top-up fee gets expensive quickly.
• Take Mountain Wolf if you want the lowest issuance cost (Virtual card free). Think twice if you plan to fund large amounts, because 0% gets expensive quickly.

Paying Midjourney with a virtual card, start to finish

1. 1

   Open the account

   Have an ID ready; all 3 want one before they will issue. The check runs automatically. Set up 2FA while you wait, not once money is on the card.

2. 2

   Load a small balance

   Two ways in: crypto, which is instant, or a bank transfer, which is cheaper and slower. Start with a single month and see it clear. Bleap charges 0% per top-up.

3. 3

   Create the card

   One account will hold several cards, so give Midjourney its own and leave the rest alone. Cap it near the plan price and lock it to this merchant.

4. 4

   Enter the details at checkout

   There is an address check. Starling Bank issues a UK General address. Paste that one, because AVS fails on a single wrong character.

5. 5

   Clear 3-D Secure

   The OTP lands in the issuer app. Approve it, then check the account, because a charge can sit in pending after the bank has already said yes.

If it still will not go through

Between them these cover almost every failed attempt we have logged.

• Billing address mismatch (Starling Bank issues a UK General address). AVS compares what you type against the address on file, and it fails on a single transposed digit. Paste it instead of retyping.
• Card left frozen from the last test. Issuers sometimes freeze a card after unusual activity and never tell you. Check the app before blaming the merchant.
• Virtual BIN blocked. Some acquirers maintain a blocklist of well-known virtual ranges. Switching issuer usually clears it.
• Geo mismatch. Signing up in one country and paying with a card from another is the fastest route to a manual review.
• Three declines in a row. Most checkouts lock the payment method after three failures. Change the card instead of pressing the button again.

BIN ranges worth trying on Midjourney

Each range has its own issuer, country and card type. If a merchant blocks one, move to another rather than retrying.

Where these cards are issued

The ranges above carry issuing countries of their own. If a checkout refuses one region, the same card family often exists out of another, and the country pages group what we have tested.

Compare the shortlisted cards side by side

Narrowed it down to two of the cards above? These head-to-head pages put their issuance fee, top-up fee, KYC tier and the merchants we test into one table, so the call is easier to make.

Questions we get asked