Virtual credit cards are a new type of payment tool that can help consumers make online payments more securely and conveniently. The advantage of virtual credit cards is that they can provide consumers with more security and convenience, and their scope of use is also wider.

Recently, I learned about a virtual credit card service provider called "Nobepay" and recharged and opened several virtual credit cards. I feel that it is still good and recommend it to friends who do not have a physical credit card but need to shop overseas.

Nobepay Features

• Customizable name and address information, and can also generate a virtual address with one click
• Unlimited card opening, use as needed, delete unused cards and the balance will automatically return to the account, continue to use for the next card opening
• Transparent fees, only charge card opening fees and recharge fees, no other hidden fees
• Multiple functions, daily shopping consumption, support binding to US PayPal, support Alibaba Cloud international binding, support Google Play, etc.
• RMB recharge, only available for WeChat recharge, almost instantly credited to the account
• Can be recharged with Payin, Wanlihui, AirCloudPay, bank wire transfer, ACH USD
• Can pay to download card bills for address verification purposes
• Has API docking interface

Terms and Restrictions

1. The chargeback rate, refund rate, and refund amount rate must be below 10%;
2. Malicious chargebacks/refunds are prohibited;
3. Prohibited behavior such as cheating, freeloading, such as server subscriptions, 0-authorization batch card opening without consumption;
4. Financial products, various domestic software or platforms, adult websites, phishing websites are prohibited, such as OnlyFans, WeChat, Alipay, Taobao, PayPal, Wise, Venmo, etc.
5. Any category that may cause bank risk control is prohibited without prior notice.
6. Violation of any of the above rules or triggering unknown bank risk controls will be deemed as improper use, and the violator's account will be banned and withdrawals will be prohibited.

Registering with Nobepay

I'll write down the precautions first to avoid stepping on any pitfalls.

• Nobepay requires real-name authentication before it can be used. Not recommended if you mind real-name authentication.
• Nobepay has a minimum recharge requirement of 500 yuan.
• The platform has strict measures against cheating and chargebacks. Once discovered, the account will be permanently banned without notification or refund.

Being stricter may filter out most users, but it also guarantees stability. So if you can accept the strict conditions above, you can continue reading. If you can't accept them, you can give up directly.

Registration link: https://nobepay.com/app/login?type=azmzep&code=0B1104E, invitation code: 0B1104E

After opening the official website, the default interface is in English. Click on the upper right corner to switch to Chinese, and then click on "Register Now". There are a few things to note:

1. The WeChat account must be the one you have authenticated with your real name. You cannot fill it randomly because the real name authentication is completed through WeChat later, and the WeChat recharge will also verify whether the account you filled in matches (it seems that it has been changed to Alipay recharge now).
2. Nobepay uses an invitation code registration mechanism, so the invitation code is also required. Please use 0B1104E as the invitation code.

After registration, follow the instructions to complete the real-name authentication. Since I have already completed the real-name authentication, I cannot provide screenshots here.

About Recharging

Nobepay's recharge methods include online recharge, customer service recharge, USDT recharge, and USD recharge. Usually, we only need to use "online recharge", which only supports WeChat payment (it seems to have changed to Alipay now), and it needs to be consistent with the WeChat account authenticated with real name. Online recharge has a minimum requirement of 500 yuan and is almost instantly credited to the account. (A 5 yuan handling fee will be charged for recharging)

About Card Opening

After recharging, we can open cards and use them. Nobepay supports many types of virtual credit cards. If you are not sure which card is suitable for you, you can consult online customer service.

Opening a card requires a fee, and the opening fee varies for different card types, usually ranging from 1-5$. The minimum recharge requirement is 10$, and some card types have a minimum requirement of 30$. The service fee is 3% of the recharge amount. The cost breakdown is: card opening fee (1-5$) + recharge (minimum 10$) + service fee (3% of the recharge amount)

When opening a card, you can choose to generate a random address, but it is recommended to change the FirstName to your own name (in pinyin) and the LastName to your own surname (in pinyin). This makes it easier for you to bind the credit card to other platforms to verify if your name matches.

When opening a card, you can select a few random consumption platforms. There are actually no restrictions on the actual consumption platforms. If you use it to subscribe to ChatGPT or pay OpenAI bills, pay attention to the card ranges supported by NobePay, as shown in the following figure.

Note: For more card ranges supported for OpenAI/ChatGPT payment, please refer to: Summary of OpenAI/ChatGPT Plus Credit Card Binding, listing some supported credit cards

Deleting Cards

For cards that are no longer used, you can find and delete them in the "Card List" section. Deleting a card will refund the balance, but the card opening fee and service fee will not be refunded. Note: It is recommended to unbind the card from the associated service provider before deleting any unused cards to avoid chargebacks.