The best AI tools — ChatGPT Plus, Claude Pro, Google Gemini Advanced, Perplexity Pro — all bill the same way: a recurring charge to a Visa or Mastercard. If you live on crypto, don't have a bank card, or simply don't want a monthly subscription tied to your main account, that's a wall. The good news: you can pay for every one of them with crypto in a few minutes, without a bank and without KYC.
This guide shows exactly how, tool by tool.
Why AI subscriptions don't "accept crypto" (and how to fix it)
None of the major AI providers accept cryptocurrency at checkout. They rely on card processors, and those processors don't take USDT or Bitcoin. So the trick isn't to find a hidden "pay with crypto" button — there isn't one. The trick is to turn your crypto into a normal-looking card that any of these services will happily accept.
That's what a crypto virtual card does. You fund it with USDT, Bitcoin, USDC or ETH, and you get a real Visa card number you can enter into any AI subscription — or add to Apple Pay and Google Pay. The service sees a standard card; you keep paying in crypto.
How it works in 3 steps
- Create a card. Sign up with just an email and issue an IZIPAY virtual card — no documents, no bank.
- Top it up with crypto. Send USDT (TRC-20/ERC-20), Bitcoin, USDC or ETH. The balance lands on the card in minutes.
- Subscribe. Enter the card details at ChatGPT, Claude, Gemini or Perplexity — or add the card to Apple/Google Pay and pay contactless.
That's it. No credit check, no monthly minimum, and you can freeze or top up the card whenever you like.
Pay for each AI tool with crypto
ChatGPT Plus / ChatGPT Pro
OpenAI bills ChatGPT Plus monthly to a card. Fund your virtual card, enter it in Settings → Billing, and you're subscribed. It works the same for ChatGPT Pro and even pay-as-you-go OpenAI API credits. See our step-by-step ChatGPT with crypto guide.
Claude Pro / Claude Max / Claude Code
Anthropic charges Claude Pro and Claude Code to a Visa/Mastercard. Add your crypto card and subscribe in seconds — ideal if you want Claude without linking a personal bank card. Full walkthrough: pay for Claude with crypto.
Google Gemini Advanced
Gemini Advanced is billed through Google One, which only takes standard cards. Add your virtual card as a Google payment method and Gemini renews from your crypto balance. Details: how to pay for Gemini with crypto.
Perplexity Pro
Perplexity Pro takes any Visa card at checkout. Enter your funded virtual card and you're done — the same card also covers Cursor, Midjourney, ElevenLabs and most other AI tools.
One card for every AI tool
The real advantage of a virtual crypto card is that it isn't tied to a single service. The same card that pays for ChatGPT Plus can also cover Claude, Gemini, Perplexity, Cursor, Midjourney and any other subscription that takes Visa. Fund once, subscribe everywhere — and top up in crypto whenever the balance runs low.
Because the card is prepaid, you also control exactly how much a service can charge. Keep a small balance for a single subscription, or load more to cover your whole AI stack for the year.
Is it private? Do I need KYC?
For the standard virtual card there's no KYC — you sign up with an email, fund with crypto, and spend. You're not handing a passport to a bank, and the AI service only ever sees a card number, not your crypto wallet. It's the simplest way to keep AI subscriptions separate from your main finances.
Ready to start?
Get a virtual card, top it up with crypto, and subscribe to any AI tool today — no bank, no KYC, live in minutes.