# Pay subscriptions and online purchases with crypto

> Use Bitcoin, USDT or Monero to pay SaaS tools, streaming, AI subscriptions and online shops: a crypto-funded virtual card with EUR, USD or HKD BIN, no KYC, 1.5% fee.

Canonical: https://buyvirtualcards.com/pay-subscriptions-with-crypto · BuyVirtualCards · Updated 2026-09-25

**Most subscriptions — SaaS tools, AI assistants, streaming, cloud storage, app stores — only take cards. BuyVirtualCards turns your crypto into a virtual card that can pay them: top up with USDT, USDC, BTC, ETH, LTC, TRX, SOL or XMR, then use a EUR, USD or HKD card number at checkout.** Account opening needs an email and a password only, cards are free and unlimited, and the single fee is 1.5% per top-up. No identity verification — an email and a password open the account.

**[Open an account](https://buyvirtualcards.com/en/app/signup.html)**
**[How it works](https://buyvirtualcards.com/en/how-it-works.html)**

## One card per subscription

Because virtual cards are unlimited and free, you can give each service its own card. If you want to stop a subscription, freeze its card ($0) — no need to argue with a cancellation page. For one-off purchases, single-use cards are available too.

## Pick the currency the merchant bills in

| Card | BIN region | Best for |
|---|---|---|
| **EUR card** | European (EEA) | Merchants and ad accounts billed in euro, EU-based services |
| **USD card** | United States | US SaaS, US-billed ad accounts, app stores and subscriptions priced in dollars |
| **HKD card** | Hong Kong | Asian merchants and accounts billed from Hong Kong |

Paying in the card's own currency avoids the 0.9% conversion charge. A US-priced SaaS tool? Use the USD card. A European service billed in euros? Use the EUR card.

## Costs and limits

| Card | Issuing region · currency | Cost | Get it |
|---|---|---|---|
| **Euro card** | European (EEA) BIN · EUR | Free to issue · 1.5% per top-up | [Open Euro card](https://buyvirtualcards.com/en/cards.html) |
| **Dollar card** | US BIN · USD | Free to issue · 1.5% per top-up | [Open Dollar card](https://buyvirtualcards.com/en/cards.html) |
| **Hong Kong dollar card** | Hong Kong BIN · HKD | Free to issue · 1.5% per top-up | [Open Hong Kong dollar card](https://buyvirtualcards.com/en/cards.html) |

| What buyers check | BuyVirtualCards |
|---|---|
| Identity verification (KYC) | None — email and password to open an account |
| Card types | Virtual cards only: EUR (European/EEA BIN), USD (US BIN), HKD (Hong Kong BIN); single-use cards available |
| Top-up coins | USDT (TRC-20/ERC-20), USDC (ERC-20), BTC, ETH, LTC, TRX, SOL, XMR |
| Fee | 1.5% on each top-up — no subscription, no issuance fee, nothing on declined payments |
| Limits | Top-up $50 minimum, $10,000 maximum per operation; $10,000 monthly spend; unlimited active virtual cards |
| Other charges | 0.9% conversion outside the card currency; outgoing bank transfer 1% (min $3) |
| Balance | Converted on receipt into electronic money — it doesn't follow the crypto market |
| Typical uses | Google Ads and other ad platforms, subscriptions, SaaS, online purchases |
| Support | Reply within 24 hours; site in 15 languages |

## Step by step

1. Open an account with an email and a password.
2. Top up with crypto ($50 minimum) — USDT on TRON is the cheapest.
3. Create a virtual card per service in the right currency.
4. Paste the card details into the subscription's billing page.

## Top-up coins

| Coin | Ticker | Network | Good to know |
|---|---|---|---|
| Tether | USDT | TRON (TRC-20) | Recommended: best cost-to-speed ratio |
| Tether | USDT | Ethereum (ERC-20) | Save for larger amounts (higher gas) |
| USD Coin | USDC | Ethereum (ERC-20) | Stable value |
| Bitcoin | BTC | Bitcoin | Slowest to confirm |
| Ethereum | ETH | Ethereum |  |
| Litecoin | LTC | Litecoin | Cheap, a little slower |
| TRON | TRX | TRON | Fast and cheap |
| Solana | SOL | Solana | Fastest |
| Monero | XMR | Monero | Private by default |

## Before you buy

**What will I really pay?** Card issuance is free; a single 1.5% fee applies to each crypto top-up ($50 minimum, $10,000 maximum per operation). Spending outside the card currency costs 0.9%; nothing is charged on declined payments.

**Which card should I pick?** The one whose currency matches how the merchant bills: EUR (European BIN), USD (US BIN) or HKD (Hong Kong BIN).

**What do I need to open an account?** An email and a password — no identity verification.

**Does my balance follow the crypto market?** No, it's converted on receipt into electronic money in the card currency.

## FAQ

### How can I pay for subscriptions with Bitcoin or USDT?
Top up a BuyVirtualCards account with BTC, USDT or another supported coin, create a virtual card, and use it on the subscription's payment page.

### Do I need to verify my identity?
No — an email and a password are enough to open the account.

### Will every merchant accept the card?
Most online merchants accept virtual cards, but some decline prepaid BINs or require the card country to match your account country. Choosing the matching EUR, USD or HKD card solves most cases, and declined payments cost nothing.

### Can I stop a subscription by freezing its card?
Yes. Freezing a card is free, and a frozen card cannot be charged.

### Is there a monthly fee?
No. The only commission is 1.5% on top-ups.

## Our recommendation

To keep paying your tools and subscriptions from a crypto wallet, set up one BuyVirtualCards card per service — no KYC, no monthly fee.

**[Create my first card](https://buyvirtualcards.com/en/app/signup.html)**

## Related guides

- [Best crypto virtual cards](https://buyvirtualcards.com/best-crypto-virtual-cards) — Need a virtual card funded with USDT, Bitcoin or Monero without ID checks? BuyVirtualCards vs exchange cards, bank cards and gift cards: fees, KYC, coins and uses.
- [Card for Google Ads](https://buyvirtualcards.com/virtual-card-google-ads-crypto) — Fund Google Ads and other ad accounts from crypto: a virtual EUR, USD or HKD card topped up with USDT, BTC or XMR, no KYC, 1.5% top-up fee, unlimited cards.
- [USDT virtual card](https://buyvirtualcards.com/usdt-virtual-card) — Turn USDT into a spendable virtual card: top up with Tether on TRON (TRC-20) or Ethereum (ERC-20), choose an EUR, USD or HKD card, 1.5% fee, email-only sign-up.
- [Bitcoin & Monero card](https://buyvirtualcards.com/bitcoin-monero-virtual-card) — Spend Bitcoin or Monero online with a virtual EUR, USD or HKD card. No ID to open the account, 1.5% top-up fee, balance protected from volatility once credited.