ChatGPT, Claude, Cursor and most AI tools only take card payments. If your local card is declined abroad, or you simply hold your money in stablecoins, the cleanest route is a prepaid virtual card funded with USDT or USDC that you attach to your own account.
Pink Card is a prepaid virtual card (a digital gift card) you buy with USDT or USDC, with no sign-up. The card number, expiry and CVV are emailed to you in about 5–10 minutes.
TL;DR
- Pay with USDT or USDC on supported networks (e.g. ERC-20, BEP-20).
- No account and no sign-up on the site — just an email address.
- Card details arrive by email automatically in 5–10 minutes.
- You add the card to your own ChatGPT / Claude / Cursor account — no password sharing.
- Top up the same card later; the number stays the same and subscriptions keep renewing.
Step by step
- Go to pinkcard.cc/en and pick an amount ($110, $220, $500, $1000 or custom).
- Choose USDT or USDC and the network — the deposit address and exact amount appear.
- Enter your email twice and send the stablecoins to that address on that network.
- Once the transaction confirms, the card details land in your inbox within 5–10 minutes (check spam).
- Add the card on the ChatGPT, Claude, Cursor or Google billing page like any other card.
How much to load: the sales-tax trap
Merchants add VAT or sales tax for your billing region, so the real charge is usually 5–25% above the sticker price — a $20 plan billed at $24, a $200 plan at $240. A card loaded with exactly the sticker price is often declined by those few dollars.
Rule of thumb: load 20–30% more than the plan price. The calculator on the site already adds a 20% tax buffer, the $1 per-transaction fee and the $2.50 monthly fee — for a $100 plan, a $130 card is about right. API credits work the same way.
Fees
- Card issuance: $10 one-time.
- Service fee: 3% of the card amount.
- After activation, from the card balance: $1 per transaction and $2.50 per month.
- Top-up of the same card: $5 + 5%; validity extends to 3 years.
Why AI subscriptions decline a card
- Balance does not cover tax plus the merchant pre-authorization.
- The account has past failed charges or chargebacks, so the merchant risk engine keeps blocking new cards.
- The billing address is incomplete or inconsistent with the rest of the account.
- The payment is not made on the service’s official site or app.
- Too many retries in a row — pause and try again later; repeated declines raise the risk flag.
What it works with
ChatGPT Plus and Pro, Claude Pro and Max, Claude Code, Cursor, Gemini / Google AI Pro, Midjourney, Perplexity, OpenAI and Anthropic API credits, plus Netflix, Spotify, Amazon and most overseas online shops. Merchants acquired in mainland China (Alipay, Taobao) are not supported.
Android app
Buy, top up and check your balance in the Pink Card app on Google Play (play.google.com/store/apps/details?id=cc.pinkcard.app).
Tool-specific guides
- Claude Pro / Max declined or paying with USDT: pinkcard.cc/en/guides/claude-pro-virtual-card-declined-fix
- Cursor without a bank card: pinkcard.cc/en/guides/pay-cursor-without-bank-card
- OpenAI and Anthropic API credits: pinkcard.cc/en/guides/pay-openai-anthropic-api-with-crypto