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"Guide to Binding Visa/MasterCard Virtual Credit Card to WeChat: Latest 2026 Version - Step-by-Step Instructions," personally tested and confirmed successful binding of a virtual card to WeChat using the Coinepay platform. Suitable for overseas payments, cross-border top-ups, and advertising scenarios.
π³ Guide to Binding Visa/MasterCard Virtual Credit Card to WeChat (Latest 2026 Version) [Successfully Tested] Want to bind your Visa/MasterCard to WeChat for international payments or advertising payments? Physical cards difficult to obtain? No problem! Using the virtual credit card provided by Coinepay (supports Hong Kong/US regions), binding to WeChat Pay has been tested and is instant, with no 3DS authentication required.
β Required Preparation
Item Content Description
π³ Virtual Credit Card
Recommended Platform: Coinepay Official Website, supports Visa / MasterCard cards
π± WeChat Version
Recommended to use the latest version of WeChat (iOS or Android)
π Real-Name Verification Status
WeChat identity verification completed (Mainland China ID card or passport)
π Network Environment
If the virtual card is an overseas card, it is recommended to use an overseas IP address (Hong Kong/Singapore/USA) for more stable operation.
π° Card Balance
It is recommended to keep $5~$10 in the card (for activation verification fees)
## β Virtual Card Application
1. Log in to the official website > https://bpay.net You can register a virtual credit card account using your email address or mobile phone number.
2. Wallet > USDT (TRC20/BSC) Top-up, apply for card activation on the homepage > Card activation successful > Convert the USDT balance to US dollars (USD), then go to Virtual Card Top-up. (Recommended initial deposit: 20 USDT)
3. Obtain the CVV security code for your virtual card: Billing Information, Name, Address, State, Card Number, Date, CVV/CVC Security Code
4. Proceed to the payment page, fill in the corresponding information, and complete the payment.
Invitation Link: https://www.coinepay.net/#/pages/auth/register?code=7YDCLP
For those who don't understand, you can refer to the official tutorial of the Coinepay virtual credit card platform: https://bpay.net/ask/
Detailed Tutorial: https://bpay.net/ask/d/70
π§ Step 1: Access the WeChat Pay Binding Interface
Open the WeChat App
Click "Me" > "Services" > "Wallet" > "Bank Cards"
Click "Add Bank Card"
In the pop-up input box, manually enter the virtual Visa or MasterCard card number
π· Illustration:
[Screenshot of the WeChat Wallet bank card binding interface, arrow points to "Add Bank Card"]
π³ Step 2: Fill in the Virtual Credit Card Information
Fill in the following format when binding:
Fields
Example
Card Number
4659 xxxx xxxx xxxx
Expiration Date
07/27
Security Code (CVV)
123
Card Organization
Visa or MasterCard (Auto-recognition)
Name: Alex Green (Any English name is acceptable)
Billing Address: Recommended Hong Kong address (e.g., 233 Nathan Road, Mong Kok, Kowloon) or use a US virtual address generator
Postal Code: Hong Kong Card: 999077; US Card: 10001 / 90210
β WeChat supports binding overseas credit cards for overseas payments and purchases at select merchants within the mini-program.
π· Example Image:
[Screenshot of the card information entry interface, showing the expiration date, CVV, and name fields]
β Step 3: Successful Binding and Verification Instructions
WeChat will attempt a small pre-authorization (approximately $1 USD) to verify the credit card's validity.
If verification is successful, a "Binding Successful" message will appear.
After binding, you can use the card for payments in the following scenarios:
Scenario Payment Support
Payment in USD/HKD or other foreign currencies within WeChat
β Supported (e.g., overseas mini-programs, platform products)
Advertising payments for official accounts/mini-programs
β Can be used as a payment method
WeChat auto-renewal function (e.g., membership)
β Can be set as the default card
Transferring money or sending red envelopes to friends
β Not supported (requires a mainland China debit card)
π‘ Practical Testing Recommendations
Item Recommendation Explanation
π³ Card Segment Selection
Visa is better than Mastercard, with a slightly higher success rate for binding in WeChat.
π IP Environment
Using Hong Kong/Singapore/US nodes for binding is more stable and avoids risk control misjudgments.
π² Operating Devices
Both iPhone and Android devices can be bound. Enabling WeChat fingerprint/face payment is recommended for enhanced security.
π₯ Payment Records
Small deductions are automatically refunded after successful verification; generally, there's no need to worry.
β Frequently Asked Questions and Solutions
Problem
Solution
β Binding failure with "Invalid card number" message
Check if the card is a valid Visa/MasterCard and ensure sufficient balance.
β Name verification failed
Re-enter your English name; it doesn't need to match your WeChat real name.
β Prolonged loading screen without response
Change your network environment; try using a Hong Kong or US IP address.
β Summary
β WeChat supports binding virtual Visa/MasterCard credit cards, suitable for international payment scenarios.
β Coinepay platform has a high success rate for virtual card binding; tested and supports Hong Kong/US/Singapore card ranges.
β No 3DS verification required during the binding process; simple steps and strong security.
β Can be used for mini-program purchases, advertising, and WeChat payments to overseas merchants.
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