Virtual Card Providers in 2026: UeePay, Funding Fees, and Overseas Payment Uses

As overseas subscriptions such as ChatGPT and Claude become more popular and cross-border shopping grows, demand for virtual cards among users in mainland China has increased. This article introduces several recommended virtual card providers to help with overseas payments.

First recommendation: UeePay virtual cards

UeePay | Register in one minute and subscribe to overseas online services is currently the recommended first choice for users in mainland China seeking to manage overseas subscriptions and payments.

UeePay platform advantages

• Convenient funding: Transfer on-chain cryptocurrency assets to the UeePay account wallet without a physical credit card.
• Broad support: Cards can be used for overseas services such as ChatGPT, Claude, Midjourney, Google Play, and the Apple Store.
• Safe and reliable: Unused balances can be withdrawn at any time, with no hidden charges.
• User-friendly: English and Chinese interfaces are available, with KYC/KYB verification through a professional third-party service. The verification process is secure and reliable, and personal information is strictly protected against disclosure.
• Special offer: Use invitation code Emma for a 1U card issuance fee and a 1% funding fee.

What is a virtual credit card?

A virtual credit card is a digital card with no physical form. Its card number, CVV, and expiration date are used for online payments. Virtual cards generally support subscriptions and other payments but cannot receive incoming payments. Some can be added to WeChat or Alipay for purchases.

Recommended virtual card providers

The following comparison and usage notes can help you choose a provider that fits your needs.

1. UeePay

• Official website address: https://ueepay.com
• Reasons for recommendation:
  • Simple registration with Chinese and English interfaces
  • A 1U card issuance fee and a 1% funding fee
  • Funding through USDT or USDC only, with multiple networks supported
  • Secure, reliable, and compliant, with no hidden costs
  • The unused balance can be withdrawn at any time

2. Uniwise

• Official website address: https://uniwise.pro/
• Features:
  • Both UnionPay and Visa virtual cards are available.
  • UnionPay cards can be added to Alipay for domestic purchases, with no transaction fee within a limit of 3,000 yuan.
  • Registration requires an invitation code, and promotional activities offer cashback.
  • Supports KYC identity verification to ensure account security.

3. Dupay (formerly Depay)

• Official website address: https://www.dupay.one/
• Features:
  • Supports cryptocurrency deposits (USDT, BNB).
  • Its Mastercard cards do not currently support ChatGPT payments, while its Visa cards do.
  • Cards can be added to WeChat and Alipay for purchases, but customer support must resolve any risk-control restrictions.
  • Telegram group support and an app download are available.

4. OneKey Card

• Official website address: https://card.onekey.so/
• Features:
  • Supports cryptocurrency funding through USDC and USDT.
  • Access to the official website requires an overseas network connection, and sign-in is supported only through a Google account.
  • Fees vary by account tier; check the applicable policies.

5. PAY007

• Official website address: https://pay007.cc/
• Features:
  • Check usage restrictions before applying for a card.
  • Different BIN ranges support different payment uses, and domestic IP addresses are blocked.

6. PongCard

• Official website address: https://pongcard.com/
• Features:
  • Each user can initially open 2 cards; paying a deposit increases the card allowance.
  • Supports USDT-TRC20 funding, with a minimum deposit of 10 USD.
  • The card issuance fee is 3 USD, and the funding fee is approximately 3.5-4%.

Things to consider when choosing a virtual credit card

1. Define your purpose: Choose a card that supports your intended use, such as ChatGPT subscriptions or overseas shopping.
2. Understand the fees: Review card issuance, funding, and other fees to avoid unexpected costs.
3. Protect your funds: Choose a provider that supports balance withdrawals to avoid leaving funds inaccessible.
4. Be cautious with shared accounts: Account sharing can increase suspension risk. Consider registering your own virtual card.

Summary

This comparison can help you find a solution that suits your needs. For frequent overseas subscriptions such as ChatGPT, Claude, and Midjourney, or cross-border e-commerce payments, the recommended choice is UeePay. Its convenience, reliability, and promotional offers are presented as advantages for users in mainland China.

Visit the official UeePay website to register for a virtual card and access overseas services.