How to pay for GitHub Copilot with a virtual dollar card

Updated on October 18, 2026

GitHub bills Copilot and its paid plans in US dollars to the card saved on the account. A virtual Visa card with a dollar balance pays these charges and keeps development spending apart from everything else.

Issue virtual card

How to pay for GitHub Copilot with a virtual dollar card

Can you pay for GitHub Copilot with a virtual card?

GitHub takes card payments and bills in dollars. That applies to Copilot and to the platform’s other paid plans, on both personal accounts and organizations.

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 first charge was approved.

How do you add the card to GitHub 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.
Top up the plan amount plus the US$ 0.25 per-purchase fee, using a Visa or Mastercard bank card in your own name or USDT.
On GitHub, open your account (or organization) settings and go to the billing and payment method section.
Add the card with its number, expiry date, security code, name and billing address matching the app.
Turn on Copilot or the paid plan you want and check the amount and billing date on the confirmation screen.
Confirm and watch for the purchase notification in the app, which arrives right away.

Personal account or organization: who pays?

On a personal account, the card sits in your profile billing settings and pays for whatever you subscribe to there.

In an organization, whoever manages billing adds the card in the organization’s own settings, and the team’s Copilot seats are charged to that account. A card used only for this shows clearly how much the team spends on tools each month.

How much does it cost to pay GitHub with the card?

The price is what GitHub shows on the billing screen; Guarapay does not change it. On the card side, you top up the subscription amount, the 2% top-up fee is taken at top-up, and each approved charge costs US$ 0.25.

On Premium the top-up fee is 1%. The card has no monthly 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.

Some GitHub features may be billed by usage on top of the subscription, and that amount changes from month to month. Check the billing summary before the renewal date and leave some headroom on the balance.

How do you keep the charges under control?

The card has a monthly limit of US$ 10,000 on Standard and US$ 100,000 on Premium. In the app you set your own monthly cap and a per-purchase cap, so a usage charge higher than expected never goes beyond what you planned.

If the balance is too low, the payment is declined and the money stays on your balance. To pause everything, freeze the card in one tap; to stop for good, also cancel the plan in your GitHub settings.

Why did GitHub decline the payment?

Balance: it must cover the charge plus the US$ 0.25 per-purchase fee.
Caps in the app: the monthly or per-purchase cap may be lower than the amount charged, especially for a yearly plan or several seats.
Frozen card: unfreeze it in the app.
A name or billing address that differs from what the app shows.
Try again after a few minutes and, if it keeps failing, contact support through the Telegram bot in the app or on the website.

What are the most common mistakes?

Adding the card to the personal account when the charge belongs to the organization.
Topping up only the subscription amount and forgetting usage-based charges.
Leaving the balance empty on the renewal date and losing Copilot in the middle of work.

Sources

FAQ

Does GitHub accept virtual cards?

GitHub takes 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.

Can I pay for my team’s Copilot with the same card?

Yes, add the card to the organization’s billing and keep enough balance for all the seats.

How do I top up the balance?

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

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% (1% on Premium) and US$ 0.25 per approved purchase.

Can I use the card for other developer tools?

Yes, it works online wherever Visa is accepted, so it covers other services that bill a card in dollars.