How to pay Adobe and Microsoft 365 with a virtual dollar card

Updated on October 23, 2026

Adobe and Microsoft 365 renew on their own and offer monthly and annual plans. With a virtual Visa card holding a dollar balance you pick the plan that fits your budget, keep the renewal amount set aside and keep your bank card off the software account.

Issue virtual card

How to pay Adobe and Microsoft 365 with a virtual dollar card

How do you pay Adobe and Microsoft 365 with a virtual card?

Both services bill by subscription, to the card saved on the account, and renew at the end of each period. Plans, prices, currency and payment methods change with the country of the account and over time; the checkout screen shows what applies to you, so check the amount before you confirm.

Guarapay issues a virtual prepaid Visa card with a US-dollar balance in about two minutes, in the Guarapay app or the Telegram mini app @guarapay_bot. The card works online wherever Visa cards are accepted. Some merchants may decline cards according to their own rules, so check in the app that the payment was approved.

How do you subscribe step by step?

Open the Guarapay app or the Telegram mini app @guarapay_bot and create an account.
Issue the virtual card; the issue fee is US$ 10 on Standard or US$ 100 on Premium.
On the service website, pick the plan and the billing cycle you want, monthly or annual.
Top up the plan price plus the US$ 0.25 per-purchase fee, using a Visa or Mastercard bank card in your own name or USDT.
On the checkout page, choose card and enter the number, expiry and security code.
Use the name and billing address exactly as in the app and check the amount and currency.
Finish the order and look for the charge notification in the app, which arrives right away.

Monthly or annual plan: which fits the card?

On a monthly plan, the card balance only has to cover one month at a time, and you can cancel whenever you want. On an annual plan paid up front, the full amount leaves the balance at once and must fit within the monthly limit of the card and the per-purchase cap.

Some annual plans are billed monthly with a one-year commitment, and cancelling before the end may have a cost, according to the rules of the service. Read the cancellation terms before you confirm, especially if the card will run out of balance mid-term.

How much does it cost to pay for software with the card?

The plan price is what the service shows at checkout; Guarapay does not change it. On the card side, you top up the plan amount, the top-up fee (2% with USDT, 5% with a bank card) is taken at top-up and each approved charge costs US$ 0.25.

On Premium the USDT top-up fee is 1% (by bank card it stays 5%). There is no monthly card fee. If you top up with a local bank card, your bank may add its own taxes and exchange rate; with USDT the top-up lands directly in dollars.

The monthly limit of the card is US$ 10,000 on Standard and US$ 100,000 on Premium. If the annual plan is higher than that, choose the monthly plan or look at Premium.

Why was my software charge declined?

Insufficient balance: it must cover the plan and US$ 0.25 per purchase.
Caps in the app: the monthly or per-purchase cap may be lower than the annual plan price.
Frozen card: unfreeze it in the app before trying again.
A name or billing address that differs from what the app shows.
Service anti-fraud check: follow the on-screen instructions and do not repeat the payment several times in a row.
Try again after a few minutes and, if it still fails, contact support through the Telegram bot in the app or on the website.

Sources

FAQ

Do Adobe and Microsoft accept virtual cards?

They take card payments, and the Guarapay card works wherever Visa is accepted. Some merchants may decline cards according to their own rules, so check the approval in the app.

Does freezing the card cancel the subscription?

No. Freezing only blocks new charges. To end the plan, cancel it on the account page of the service.

Can I pay the annual plan up front?

If the amount fits the balance, the per-purchase cap and the monthly limit of the card, yes. Otherwise the monthly plan is simpler.

How do I top up the balance?

In the app, with a Visa or Mastercard bank card in your own name or with USDT, with no minimum amount.

Is there a monthly fee for the card?

No. You pay the issue fee of US$ 10 (US$ 100 on Premium), the top-up fee of 2% with USDT (1% on Premium) or 5% with a bank card, and US$ 0.25 per approved purchase.