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How to pay AliExpress, Shein and Temu with a virtual dollar card?

Updated on October 23, 2026

Add the virtual Visa card with a dollar balance at checkout and, if the store lets you choose the currency, pay in dollars. Top up the order total including shipping, because the store sets the final price on the payment screen.

Issue virtual card

How to pay AliExpress, Shein and Temu with a virtual dollar card?

Which currency should you pay in: dollars or local currency?

If the store lets you choose, pay in dollars with a card that holds a dollar balance, which avoids the store converting to local currency. The currency shown depends on your country and account settings; check the total before you confirm.

The Guarapay card is a Visa and works online wherever Visa is accepted, but each store may decline prepaid cards under its own rules. Check in the app that the payment was approved.

How to pay for the order step by step?

  1. Open the Guarapay app or the Telegram mini app @guarapay_bot and create your account.
  2. Issue the virtual card; the issue fee is US$ 10 on Standard or US$ 100 on Premium.
  3. Top up the order total, including the shipping and taxes the store shows, plus the US$ 0.25 per-purchase fee, with a Visa or Mastercard bank card in your own name or with USDT.
  4. Build the cart and go to the store’s checkout.
  5. Choose card, enter the number, expiry date, security code, name and billing address as shown in the app, and choose the currency if the store allows it.
  6. Check the total with shipping before you confirm.
  7. Check the charge notification in the app, which arrives instantly.

Does the card cover shipping and import taxes?

It pays what the store charges at checkout. If an import tax is collected later, on delivery, it follows your country’s rules and is not part of the order; read the store’s and customs rules before you buy.

Work out the maximum you are willing to pay and do not top up beyond it: the card balance is the limit.

How to handle several orders on the same day?

  • Each paid order is one charge, with the US$ 0.25 per-purchase fee.
  • Combine items into a single order when the store allows it.
  • Set a per-purchase cap in the app to avoid impulse spending.
  • Follow each debit in the app, which notifies you instantly.

How much does it cost to pay on these stores with the card?

The price is what the store shows at checkout; Guarapay does not change it. Orders the store splits into several payments can produce several charges.

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 top-up fee with USDT is 1% (a bank card stays at 5%). There is no monthly fee; the issue fee is paid once.

The monthly spend limit is US$ 10,000 on Standard and US$ 100,000 on Premium. If you top up with a local bank card, your bank may charge taxes and apply its own exchange rate; with USDT the top-up lands directly in dollars.

Why was the payment declined?

  • Not enough balance: it must cover the amount and US$ 0.25 per purchase.
  • Caps in the app: the monthly or per-purchase cap may be below the amount.
  • Frozen card: unfreeze it in the app before trying again.
  • Name or billing address different from the ones shown in the app.
  • Delivery address in another country and a different currency: the store may ask for the billing address to match the card’s.
  • Try again after a few minutes and, if it still fails, contact the support bot on Telegram in the app or on the site.

Sources

FAQ

Can I pay AliExpress with a virtual card?

The Guarapay card is a Visa and works online wherever Visa is accepted, but the store may decline cards under its own rules. Check in the app that the payment was approved.

Is it better to pay in dollars or local currency?

With a dollar balance, paying in dollars avoids the conversion done by the store. Compare the total in both currencies if the store shows them.

What if the order is cancelled after payment?

The store returns the amount to the same card under its own rules. See the refund article to follow it.

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.

Does the card have a monthly fee?

No. You pay the US$ 10 issue fee (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.

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