ChatGPT Plus · ChatGPT Pro

Get ChatGPT Plus with a virtual Visa card

Your bank blocks OpenAI, or the app store won't take your card? Fund a ScarabPay virtual card with USDT and subscribe to ChatGPT straight from your browser.

Get your card See the steps

Why your card gets declined on ChatGPT

Messages like "Your card has been declined" or "Payment failed" on ChatGPT usually come from a few well-known causes. These are the most common.

What you seeYour card was declined.

Your bank treats OpenAI as a foreign merchant

Some banks block payments to companies abroad or require you to switch on international purchases first, so the charge is rejected instantly.

The fix

The ScarabPay virtual card works with international merchants from the first payment.

What you seePurchase failed · App Store / Google Play

Upgrading inside the mobile app

When you upgrade from the ChatGPT app on iPhone or Android, payment goes through the App Store or Google Play, and your store account may not accept your card.

The fix

Subscribe at chatgpt.com in a browser so the charge goes straight to your card.

What you seeYour card has insufficient funds.

Retrying with too little balance

OpenAI may add tax depending on your country, pushing the total above your card balance. Repeated failed attempts can also pause payments for a while.

The fix

Load slightly more than the plan price, then try once.

Browser or app?

chatgpt.com
Recommended

At chatgpt.com in a browser

  • The charge goes straight to your ScarabPay card
  • You manage the plan and invoices from your ChatGPT account
  • The plan works on desktop and mobile with the same account
App Store · Google Play

Inside the iPhone or Android app

  • Payment runs through the App Store or Google Play, not your card directly
  • Your store account may reject the card or ask for a local payment method
  • Cancelling and refunds are handled only in the store settings

How to pay for ChatGPT step by step

On ScarabPay
  1. 1

    Sign up for ScarabPay

    Create your account on the web or the Android app and complete identity verification.

  2. 2

    Deposit USDT

    Send USDT to your ScarabPay balance from your wallet or the exchange you use.

  3. 3

    Issue and load the card

    Issue the reloadable virtual card and load the plan price plus a small margin for tax.

On ChatGPT
  1. 4

    Open ChatGPT in a browser

    Go to chatgpt.com on a computer or mobile browser (not the app), click your profile picture and choose Upgrade plan.

  2. 5

    Pick Plus or Pro and add the card

    Choose your plan, paste the card number, expiry date and CVV from your ScarabPay account, and enter the name exactly as it appears there.

  3. 6

    Use your plan on every device

    Once the payment is confirmed the plan is active on your account and shows up in the ChatGPT app when you sign in with the same account.

Which ScarabPay card should you use?

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Card Holder02/30
Virtual · Recommended

ChatGPT plans bill monthly to the saved card. The reloadable virtual card stays attached to your ChatGPT account, and you just top it up before each renewal.

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Card Holder02/30
Lite · Not for subscriptions

A Lite card covers one payment only: the first charge goes through, but next month's renewal fails and your plan stops.

Frequently asked questions

Can I pay for ChatGPT Pro with the same card?

Yes. Choose Pro instead of Plus on the upgrade page and make sure your card balance covers the price shown at checkout.

I subscribed through the App Store or Google Play. How do I switch to the card?

Cancel the subscription in that store's settings, wait for the paid period to end, then subscribe at chatgpt.com in a browser with your virtual card.

If I pay in the browser, does the plan work in the mobile app?

Yes. The subscription belongs to your account, not your device, so just sign in to the app with the same account.

Why was I charged more than the plan price?

In some countries OpenAI adds sales tax or VAT at checkout. The final amount is shown on the payment page before you confirm.

How do I stop automatic renewal?

In your ChatGPT account settings, open subscription management and cancel. Your plan stays active until the end of the paid month.

Pay for other services too

ClaudeSubscribe to Claude Pro with a virtual card All virtual card usesYour card works wherever Visa or Mastercard is accepted. These are the payments our customers make most often.

Ready to subscribe to ChatGPT?

Create your account, top up with USDT and get your virtual card in minutes.

Get your card Create a free account

ChatGPT and OpenAI are trademarks of OpenAI. ScarabPay is not affiliated with or endorsed by OpenAI. Paid ChatGPT plans are only available in countries OpenAI supports; the final price is shown at checkout. Visa is a registered trademark of Visa International Service Association. Mastercard is a registered trademark of Mastercard International Incorporated. Apple Pay, Google Pay, Samsung Pay and all other brand names belong to their respective owners and are shown only to describe where cards can be used; they do not imply endorsement. Card availability, fees and limits are shown in your account and may change.