The domestic virtual card scene is indeed full of turmoil, especially with WildCard, which was once the "savior" for countless domestic users to recharge overseas services. It supported RMB recharges via Alipay and other methods, making it convenient for everyone to subscribe to services like ChatGPT Plus and OpenAI, and it was very popular. Unfortunately, on July 12, 2025, WildCard ceased all operations due to policy requirements, and its official website went completely "dark." Although the website briefly resumed on July 14, allowing users to log in and check card numbers and CVV, the recharge and withdrawal functions were completely shut down, leaving users to rely solely on their remaining balances. By July 20, the official notice clearly stated that "recharges, withdrawals, and new user registrations are suspended," emphasizing cooperation with investigations but denying any intention to run away, and promising that the remaining balance could still be used. Unfortunately, this good situation did not last long; on July 22, it was discovered that old users could not even log into the backend, subscription consumption was also suspended, and balances were essentially "frozen," with no support for refunds. Although they did not delete the database and run away, it seems that WildCard's hope of regaining its former glory is bleak.
Virtual Card Recommendations: PokePay, VCard, BinPay, Crydit, WasabiCard, Dupay
Another virtual card platform, BinGoCard, has also faced a similar fate. On July 17, due to malicious reporting, the recharge channel via Cloud Flash Payment was shut down, new users could not register, and old users could only rely on their balances to get by. The official statement indicated attempts to open a U.S. bank account or resolve recharge issues through currency exchange, but there has been no progress to date. Nowadays, it is almost impossible to find virtual cards that support RMB recharges; if you want alternatives to WildCard or BinGoCard, you may have to turn to cryptocurrency cards.
Don't be discouraged! U Card Master has recommended several virtual card alternatives suitable for domestic users in 2025, each with its highlights, covering different needs. Let's talk about these alternatives, such as PokePay, VCard, Crydit, BinPay, and WasabiCard, and see which one is the best fit for you.
First, let's talk about PokePay, a Visa virtual credit card based on Hong Kong dollars. Its biggest advantage is high flexibility, with no minimum recharge or spending requirements, making it especially suitable for small transactions. Want to subscribe to ChatGPT Plus, Netflix, or Amazon? PokePay is definitely sufficient. Even better, it also offers a physical card that supports ATM withdrawals and offline POS consumption, making it convenient for cryptocurrency users to cash out. If you often need to make small payments or occasionally want to swipe a card offline, PokePay is a good choice.
Next, let's look at VCard, backed by a publicly listed company in the U.S., which adds to its reliability. Its highlight is low fees, extremely friendly for domestic consumption, and it can be directly linked to Alipay and WeChat, making everyday shopping effortless. Of course, it also supports subscriptions to overseas services like ChatGPT Plus or Spotify. The only minor drawback is that its offline functionality is slightly weaker compared to PokePay. If you primarily shop online, VCard is definitely a worry-free and cost-effective option.
If you're looking for a card with more comprehensive features, Crydit is worth a look. This is a physical Visa/Master U card that offers fast cash-out, low costs, and high security, supporting PayPal, Apple Pay, Google Pay, and even WeChat and Alipay, making it suitable for both online and offline transactions. From everyday small purchases to large transactions, Crydit can handle it all, especially for users who want to use cryptocurrency in daily life or for large payments. Its global usability is also a significant plus; you can basically use it anywhere.
For users seeking low fees, BinPay might be your choice. This U.S. dollar card has extremely low rates, making it particularly suitable for businesses or high-net-worth individuals dealing with complex settlements. Like most cryptocurrency cards, it claims to require KYC verification, but tests show that simply filling in some identity information can pass, and the official seems not to strictly verify. If you frequently engage in large transactions or need low-cost settlements, BinPay is a highly cost-effective choice.
Finally, there's WasabiCard, which focuses on high anonymity and low fees. You can open a card without KYC verification, with low transaction fees and no monthly management fees, making it a boon for anonymity enthusiasts. It supports linking to Alipay and WeChat Pay, making daily consumption very convenient. Even more impressive, WasabiCard has launched a USDT rapid remittance product, suitable for large cash-outs, ensuring fund safety and quick remittance to designated accounts. If you're worried about fund freezes or want to operate discreetly, WasabiCard is definitely worth a try.
The "exit" of WildCard and BinGoCard is indeed a bit disappointing, but the virtual card market is never short of new players. Whether you want to make small subscriptions to overseas services or need large cash-outs and offline consumption, PokePay, VCard, Crydit, BinPay, and WasabiCard will surely have one that meets your needs. It is recommended that everyone choose based on their consumption habits, such as selecting VCard for online use, PokePay or Crydit for cash-outs, BinPay for low fees, and WasabiCard for anonymity. Act quickly to use up your remaining balance and try these new cards; don't let policy changes disrupt your plans!