Select card type
Two card programmes, one page. Pick the one that fits how you want to spend — you can switch at any time.
A reloadable card, with no account to sign up for
No email, no password, no personal details, no KYC. Your account is a single secret string that only you hold. Top it up in crypto, mint a card against the balance, and load that same card again whenever you like.
- Create your account. One click. You are handed a recovery token and a session key — save both, they are the only way back in.
- Top up in crypto. Bitcoin, Monero, Litecoin, Ethereum, USDC or USDT. Your balance appears in USD.
- Mint a card. Pick Aurora, Shadow or Eclipse. The only requirement is having the balance to cover it.
- Load it and spend. Move balance onto the card, reveal the number, and add it to Apple Pay or Google Pay where the card supports it.
Read this before you start. Because there is no email and no identity attached to the account, there is no password reset and no support recovery. If you lose both your token and your session, the balance and every card on the account are gone permanently. Save them somewhere you trust the moment they are shown.
Your account is ready — save these now
These two values are your account. They are shown once and cannot be reissued or recovered by anyone.
⚠️ Store both in a password manager, or write them down
The session key signs you in day to day and is saved in this browser. The recovery token is what gets you back in if this browser is cleared or you move to another device — you will need both together.
Recovery tokenSign back in
Enter the recovery token and session key you saved when the account was created. If your session has expired a fresh one is issued automatically.
Mint a new card
One requirement: balance. The card mints against it — there is nothing else to provide, verify or approve. Prices below are read live from the card programme and can change.
Every card arrives empty. A new card holds nothing and declines every charge until you load it — minimum $15.00. Load it right after minting, and if anything bills it on its own (a subscription, a renewal) keep a little balance riding on it.
Top up your balance
Choose a coin and send at least the minimum shown to the address generated for you. Your balance is credited automatically once the transaction confirms.
Send the exact coin on the exact network shown, at or above the minimum. Anything else — a different coin, a different chain, or an amount below the minimum — is permanently lost and cannot be refunded or recovered.
Account activity
Every movement of your account balance: crypto top-ups in, card fees and card loads out.
Two-factor authentication
Revealing a card number and adding a card to Apple Pay or Google Pay are protected by a six-digit code from an authenticator app on your device.
Your credentials
Your session key is stored in this browser only. If you have not saved your recovery token yet, there is nothing anyone can do to recover this account later — save it now.
Session key in this browserThe three cards — what each one is forAurora · Shadow · Eclipse
All three mint against your balance and nothing else. Prices are set by the card programme and shown live in Get a card.
Aurora — the complete card
Apple Pay, Google Pay and tap to pay from the first minute — everywhere cards are taken.
- Spend power
- $50,000 a day · $1,000,000 a month · no per-charge cap — the network's ceilings, not ours
- On the card
- Prepaid — the whole balance is spendable, up to $150,000 riding the card
- Loads
- From $15 · 5% now on your volume · the ladder eases 5% → 3.5% over your last 30 days
- Currency
- Any — a non-USD charge converts at the network's lowest regular rate; we add $0
- Arrives empty
- Mints with nothing on it — load it right after
- Keep-alive
- $29 of spend a month keeps it yours; three idle months retire it — the balance comes home, the card fee doesn't
- Declines
- A declined attempt costs nothing · valid 2+ years, an email before expiry
Shadow — the essential card
Every online checkout, Google Pay from the card page, 3-D Secure approved for you — works everywhere cards are taken.
- Spend power
- $50,000 a day · $1,000,000 a month · no per-charge cap — the network's ceilings, not ours
- On the card
- Prepaid — the whole balance is spendable, up to $150,000 riding the card
- Loads
- From $15 · 5% now on your volume · the ladder eases 5% → 3.5% over your last 30 days
- Currency
- Any — a non-USD charge converts at the network's lowest regular rate; we add $0
- Arrives empty
- Mints with nothing on it — load it right after
- Keep-alive
- $29 of spend a month keeps it yours; three idle months retire it — the balance comes home, the card fee doesn't
- Declines
- A declined attempt costs nothing · valid 2+ years, an email before expiry
Eclipse — the ad card
Built for media spend — Meta, Google Ads, TikTok, X — and the software, cloud and digital tools a campaign leans on clear too. Only gambling, cash and money transfer stay closed.
- Spend power
- $25,000 a day · $500,000 a month · $25,000 per charge — the network's ceilings, not ours
- On the card
- Prepaid — the whole balance is spendable, up to $150,000 riding the card
- Loads
- From $15 · 3.5%, easing to 2.5% as your last-30-days Eclipse volume grows
- Currency
- Any — a non-USD charge converts at the network's lowest regular rate; we add $0
- Arrives empty
- Mints with nothing on it — load it right after
- Keep-alive
- $29 of spend a month keeps it yours; three idle months retire it — the balance comes home, the card fee doesn't
- Declines
- A declined attempt costs $0.25, the network's fee passed through at cost · valid 2+ years, an email before expiry
3-D Secure is approved for youNothing to type
- Some checkouts open an extra verification page with a five-minute timer.
- Leave that page open and let the timer run. Nothing to type, nothing to find.
- Approval is automatic and usually lands within two minutes. Don't worry.
- If the timer somehow runs out unapproved, just retry the payment once.
Approved automatically. When a checkout opens a 3-D Secure page, just leave it open and let its timer run. We approve it for you automatically, usually within about two minutes, well inside the five-minute window. There's no code to fetch and nothing to type here.
Closed merchant categories57 codes
The issuer closes these merchant types at the network level: every cut, any balance. A charge there fails no matter what the card holds, and repeat attempts get the card itself flagged — so the card shields itself: a warning first, then a lock.
Blocking runs on the merchant's registered category code (MCC): the label on the door decides, not what's in the basket. The first charge at any of these declines and draws a warning; another within a month locks the card. Unlock is self-serve, once a month, and a closed-category charge after an unlock retires the card for good — balance back to your wallet, card fee not refunded.
A block of legacy carrier merchant codes the issuer closes wholesale. Book flights through a travel site or agent instead.
Named casino and casino-hotel properties: floor charges, chips and cages decline, online or in person.
Lotteries, licensed online casinos, sportsbooks and race betting, online or at the counter.
ATMs and bank cash-out desks: manual and automated cash disbursements.
Pawn shops, antique reproductions, inbound teleservice sellers.
Political organisations and religious organisations.
Pay-at-the-pump fuel dispensers, where the pre-authorisation and final amount differ. Pay inside at the kiosk instead.
Every code on the list57 codes
Airlines (legacy codes)
- 3011 Aeroflot
- 3013 Alitalia
- 3016 SAS
- 3018 Varig (Brazil)
- 3023 Mexicana
- 3027 UTA/Interair
- 3031 Olympic Airways
- 3033 Ansett Airlines
- 3036 VASP (Brazil)
- 3041 Balkan-Bulgarian Airlines
Casinos & gaming venues
- 3551 Mirage Hotel and Casino
- 3555 Treasure Island Hotel and Casino
- 3560 Aladdin Resort and Casino
- 3564 Sam's Town Hotel and Casino
- 3582 California Hotel and Casino
- 3597 Riverside Resort Hotel and Casino
- 3620 Binion's Horseshoe Club
- 3624 Lady Luck Hotel and Casino
- 3628 Excalibur Hotel and Casino
- 3662 Circus Circus Hotel and Casino
- 3667 Luxor Hotel and Casino
- 3669 Eldorado Hotel and Casino
- 3676 Monte Carlo Hotel and Casino
- 3679 Silver Legacy Hotel and Casino
- 3682 Sahara Hotel and Casino
- 3708 Virgin River Hotel and Casino
- 3712 Buffalo Bill's Hotel and Casino
- 3728 Bally's Hotel and Casino
- 3731 Harrah's Hotels and Casinos
- 3737 Riviera Hotel and Casino
- 3738 Tropicana Resort & Casino
- 3761 Primadonna Hotel and Casino
- 3762 Whiskey Pete's Hotel and Casino
- 3764 Beau Rivage Hotel and Casino
- 3766 Fremont Hotel and Casino
- 3767 Main Street Station Hotel and Casino
- 3768 Silver Star Hotel and Casino
- 3769 Stratosphere Hotel and Casino
- 3771 Caesar's Hotel and Casino
- 3773 The Venetian Resort Hotel Casino
- 3774 New York-New York Hotel and Casino
- 3792 Claridge Casino Hotel
- 3794 Grand Casino Hotels
- 3796 Peppermill Hotel Casino
Gambling & betting
- 7800 Government-Owned Lotteries (US region only)
- 7801 Government-Licensed On-Line Casinos (US region only)
- 7802 Government-Licensed Horse/Dog Racing (US region only)
- 7995 Betting — lottery tickets, casino chips, off-track betting, wagers
- 9406 Government-Owned Lotteries (non-US region)
Cash withdrawal
- 6010 Financial Institutions — Manual Cash Disbursements
- 6011 Financial Institutions — Automated Cash Disbursements
Restricted retail
- 5933 Pawn Shops
- 5937 Antique Reproductions
- 5967 Direct Marketing — Inbound Teleservices Merchant
Political & religious
- 8651 Political Organizations
- 8661 Religious Organizations
Automated fuel pumps
- 5542 Gas stations — pay-at-the-pump dispensers
API documentationBuild your own
Every endpoint used on this page is public, needs no API key and is documented in full, including the affiliate and sub-affiliate deposit endpoints for earning commission on top-ups made through your own integration.
Read the Reloadable Virtual Cards API docs Sign up, deposits, minting, loading, TOTP reveal and wallet provisioning — with example responses.PayGate.to is a software (SaaS) provider and is not a money services business — cards, balances and money movement are issued and managed by licensed third-party Fintech companies in Hong Kong, and balances are not FDIC insured or covered by any deposit protection scheme, so funds are held at your own risk. Terms
- Select the desired card and insert amount value in USD
- Pay the order amount in USDC, USDT Polygon, BTC, Solana or Monero (XMR)
- Redeem your virtual credit card using the redeem id
⚠️ Cards can be activated without providing KYC or ID check. However activation may require a valid email address, phone number, and address. VPN usage is strictly prohibited by the provider, and attempting to use a VPN will void any refund. Individuals located in restricted or sanctioned countries may not be able to activate or redeem the card, and attempting to do so will also result in cancellation without refund.
Select a card and enter an amount above to generate your order.
Virtual Credit Cards Information
All cards are available for purchase and activation without KYC. No ID check required for any card usage. However you may need to activate the card providing a valid name, email, phone number and address.
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Attempting to redeem or activate a card from a Restricted Country will void any right to refund.
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VPN usage is not accepted by the card provider and may result in cancellation without refund.
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Cards doesn't support 3Ds authentication so some merchants/websites may refuse to accept those cards.
⚠️ Disclaimer: Cards are usually available for redeem just a few minutes after completing the payment. However at periods of short supply or high demand it may take up to 48 hours for the card to be available.
Check Card Payment Status & Redeem
💡 Insert your redeem ID to check payment status and access your card.
API Docs
Read the Virtual Credit Cards API docs Full endpoints, parameters and example responses — no sign up, no API keys.Prefer Postman? The same collection is available from our API documentation page.
White-label Affiliate
Earn custom percentage commission on every transaction with our white-label instantly ready payment system. You can join our open affiliate program without providing any information (ZERO KYC).
Prohibited Country List
✅ Any person worldwide can purchase the virtual credit cards without any limit. No KYC required for purchase.
People from the following countries may be denied activation of the card purchased due to restrictions imposed by card issuers:
❌ - Afghanistan - Albania - Belarus - Bosnia - Bosnia and Herzegovina - Burma - Myanmar - Central African Republic - Croatia - Democratic Republic of Congo - Cuba - Ethiopia - Iran - Islamic Republic of Iran - Iraq - North Korea - Democratic Peoples Republic of Korea - Lebanon - Libya - Mali - Nicaragua - Palestine - Russia - Russian Federation - Saudi Arabia - Serbia - Somalia - South Sudan - Sudan - Syrian Arab Republic - Syria - Turkey - Ukraine - Venezuela - Yemen - Zimbabwe
