AI Tools Subscription Prices & Payment Methods — The 2026 Master Table
ChatGPT, Claude, Cursor, Midjourney, Veo 3 and more: tier prices, official payment methods, and what actually works when your card is declined — one table.
How to read this table
Column 2 is the Aug-2026 reference monthly price (annual billing typically saves 15–20%); column 3 is what the platform officially accepts; column 4 is what actually works when local cards are declined. Every tool has a full step-by-step subscribe guide on this site.
Why local cards fail almost everywhere
These platforms bill through Stripe or the App Store, which screen by card BIN issuing region. Cards issued in many regions get declined at bind or fail the first charge — it is the payment rail, not any single platform.
The universal fix: one US-BIN virtual card
Top up via Alipay at cocodot → open a US-BIN Visa virtual card ($9.9 open, 3% top-up, 0% spend — public rates) → it works across every tool in the table. Use the card's registered billing address when binding.
Subscription vs API
Heavy chat users: subscribe. Developers calling models programmatically: pay-per-token API is usually cheaper — cocodot's OpenAI-compatible relay takes Alipay top-ups, one key for Claude / GPT / Gemini / DeepSeek at prices capped at official rates.
Mainstream AI subscriptions at a glance (Aug 2026 reference — check official sites)
| Tool | Tier · ref. monthly price | Official payment | Working fix |
|---|---|---|---|
| ChatGPT (OpenAI) | Plus ~$20 · Pro ~$200 | Credit card / App Store | US-BIN virtual card; or US gift card in-app |
| Claude (Anthropic) | Pro ~$20 · Max from ~$100 | Credit card | US-BIN virtual card |
| Google AI (Gemini / Veo 3) | Pro ~$20 · Ultra ~$250 | Card matching account region | US-BIN virtual card + US Google account |
| Cursor | Pro ~$20 | Credit card (Stripe) | US-BIN virtual card |
| Midjourney | from ~$10 | Credit card (Stripe) | US-BIN virtual card |
| Perplexity | Pro ~$20 | Credit card / App Store | US-BIN virtual card; or gift card |
| Sora (OpenAI) | Included in ChatGPT Plus / Pro | Same as ChatGPT | Same as ChatGPT |
| Suno | Pro from ~$10 | Credit card (Stripe) | US-BIN virtual card |
| Runway | from ~$12 | Credit card (Stripe) | US-BIN virtual card |
| Luma Dream Machine | from ~$10 | Credit card (Stripe) | US-BIN virtual card |
| Notion AI | per-seat add-on ~$10/seat | Credit card (Stripe) | US-BIN virtual card |
| Windsurf | Pro ~$15 | Credit card (Stripe) | US-BIN virtual card |
| Lovable | Pro from ~$25 | Credit card (Stripe) | US-BIN virtual card |
| Replit | Core ~$20 | Credit card (Stripe) | US-BIN virtual card |