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Many users find that directly using domestic bank cards to recharge ChatGPT Plus (OpenAI) is often declined or payment fails, mainly because of bank risk control, regional restrictions or credit cards that do not support international subscription transactions.
✅ Why is the bank card recharge declined?
🚫 Domestic bank cards are restricted
Most banks prohibit payments to overseas technology companies (such as OpenAI) by default
🚫 Upgraded risk control rules
Abnormal IP, frequent payments and other behaviors will trigger risk control
🚫 Does not support foreign currency subscriptions
Bank cards do not support US dollars or non-3D certified payments (such as Master prepaid cards)
🚫 Unable to verify billing address
ChatGPT payment page requires US address consistency
💳 Recommended use: Virtual Credit Card (VCC)
✅ Recommended platform: Coinepay virtual credit card
Official website address: http://www.bpay.net
Card type: VISA (supports GPT Plus, Midjourney, Claude, Poe, etc. subscriptions)
The threshold for opening a card is low and supports Alipay/USDT deposits.
With billing address (US address optional)
## ✅ Virtual card application
1. Log in to the official website > https://bpay.net to register an account, password, email address and mobile phone number.
2. Wallet>USDT (TRC20/BSC) recharge, apply for card opening on the home page>convert USDT balance into U.S. dollars (USD) and enter the virtual card to recharge.
3. Click the CVV security code of the virtual card to obtain: bill, name, address, state, card number, date, CVV/CVC security code
4. Enter the payment page and fill in the corresponding information to complete the payment.
If you don’t understand, you can enter the official tutorial of Coinepay virtual credit card platform: https://bpay.net/ask/
🧭 Complete process of using virtual credit card to pay ChatGPT
🛠 Preparation
Virtual card platform
Recommend Coinepay
Scientific Internet
It is recommended to use US nodes with high IP address consistency.
Register email
Gmail, Outlook, ProtonMail and other international mailboxes
Browser
Chrome or Edge is recommended, use incognito mode for a higher payment success rate
💡 Payment steps
Log in to https://chat.openai.com
Click on the avatar in the lower left corner → My Plan → Upgrade to Plus
Enter virtual credit card information (card number, expiration date, CVV)
Fill in the US billing address (consistent with the virtual card information)
Example:
Address: 123 Broadway
City: New York
State:NY
ZIP: 10001
Country: United States
Click Submit and wait for system verification and completion of subscription.
🧾 ChatGPT Plus Pricing (2026)
Free version
$0
GPT-3.5 basic functions
Plus member
$20/month
GPT-4o + file upload + image recognition + browser function
🔐 Frequently Asked Questions and Answers
Payment failed
Inconsistent address and insufficient balance
Check if the virtual card is enabled for international payments and the balance needs to be $22+
Card binding rejected
Identified as a risk card by the system
Replace the virtual card or wait for the system cooling period
Successful payment not upgraded
Page not refreshed
Log out and log in again to confirm the status or contact customer service
📌 Extra suggestions
✅ Reserve a balance of $25+ to avoid exchange rate fluctuations/pre-authorization failure
✅ It is not recommended to use domestic IP or shared ladders, as it may easily trigger risk control
✅ Try to use the virtual card immediately after binding it to avoid expiration or being cleared.
✅ You can choose to pay annually, eliminating the hassle of monthly payments and verification processes
If you need:
🛠 Coinepay card opening detailed tutorial
🧾 Fill in the payment address template
⚠ Analysis of chargeback failure cases
📊 ChatGPT Plus subscription failure troubleshooting script
Welcome to continue to ask questions, I can assist you one-on-one to complete the entire process https://bpay.net/ask/d/5
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