cocodot
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cocodot Card

Subscriptions getting declined? Get a U.S. card that actually works.

Built for one-person AI companies, indie founders and solo developers worldwide — a U.S.-BIN prepaid virtual card, issued in minutes. Fund only what you need, withdraw the balance anytime, and export a transaction statement carrying your name.

✓ OpenAI / ChatGPT✓ Claude✓ Cursor✓ X / Grok✓ Telegram

Verified in production — from real transaction records on our platform, not marketing claims. Risk models change; an occasional decline is usually cleared by opening a fresh card. We do not promise 100% success.

$9.9
to issue a card
3%
load / withdraw
$1
monthly
cocodotVISA
**** **** **** 4321
Balance $50.0006 / 30

Pay for ChatGPT Plus / Pro with this card — 4 steps

  1. 1Sign up for cocodot and top up your wallet.
  2. 2Open a US-BIN virtual card ($9.9 one-time). Choose a BIN: Mastercard 537872 or 555659 (no fee on declined payments).
  3. 3Load the subscription amount onto the card: Plus is $20/month, Pro is $200/month. Add a few dollars extra — merchants often place a small pre-authorization first.
  4. 4On ChatGPT's upgrade page, enter the card number, expiry and CVV, fill in the full billing address, and subscribe. Before each monthly renewal, if the card balance is short, we'll remind you on-site.

FAQ

Why are cards issued in China often declined by ChatGPT?

OpenAI screens payments by the card's issuing country, and cards issued in mainland China are often declined right at checkout. A US-BIN card gets past that check.

How much does it cost per month?

Plus is $20/month and Pro is $200/month, per OpenAI's page. The $9.9 card fee is charged once; see the fees section on this page for the load fee and the $1 monthly active-card fee.

What if the payment is declined?

First check that the card balance covers the charge (including any pre-authorization), then re-check the card number, expiry and CVV. The card details page tells you the next step based on the decline reason; if it still fails, open a card on another BIN and try again.

Transparent fees, no hidden tricks

$9.9
Open fee
One-time, card in 5 min
3%
Top-up fee
Balance into the card
No separate fee
Spending fee
$0.60 settlement fee per purchase under $20 (from 2026-09-07; no settlement fee on purchases of $20 or more); from 2026-09-24, when the card issuer charges a fee on a transaction (such as a foreign transaction fee, 3DS verification fee or authorization fee), a corresponding fee is charged for that transaction — see your statement for the amount (shown as “Issuer transaction fee”)
$1
Active monthly
Per month for cards with spending

Your balance is denominated in USD and can be loaded 100% onto your own card (USDT and CNY top-ups anytime; card-payment top-ups 7 business days after payment), then spent on online subscriptions, ad platforms and app purchases across major platforms. Accounts with a card-payment top-up in the last 30 days can add up to $300 per card top-up (this applies whatever the top-up method). Funds on the card are held by a licensed card issuer. Balances cannot be withdrawn back to a bank account; unused balance from a card payment can be refunded to the original card on request (payment fees are non-refundable).

Subscriptions we have verified

Merchants where charges have genuinely succeeded on our platform — not a list copied from card acceptance categories. If we have not tested it, we do not list it.

🤖

AI subscriptions

OpenAI / ChatGPTAnthropic / ClaudeCursor
💬

Social · Tools

X / GrokTelegram

Other online subscriptions are worth trying — but only the above are verified by real transactions. Risk models change over time; if a charge is declined, opening a fresh card usually clears it.

Get your global payment card in three steps

1

Sign up and top up

Fund your USD balance with USDT / USDC

2

Issue a card in one click

$9.9 from your balance, virtual card ready in minutes

3

Pay global subscriptions

Just enter the card number to subscribe to ChatGPT, Cursor and more