How to pay for a Midjourney subscription with a dollar card

Updated on October 18, 2026

Midjourney bills its subscription in US dollars and takes card payments. A virtual Visa card with a dollar balance pays the subscription and keeps every renewal under your control.

Issue virtual card

How to pay for a Midjourney subscription with a dollar card

Can you pay for Midjourney with a virtual dollar card?

Midjourney is a subscription service, and you pay by card on its website. Plans are priced in dollars, so a card with a dollar balance is usually the simplest option if you generate images regularly.

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. Because the balance is already in dollars, there is no conversion at the moment of purchase.

How do you subscribe to Midjourney 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.
Check the price of the plan you chose on the Midjourney payment screen and top up that amount plus the US$ 0.25 per-purchase fee.
Top up in the app with a Visa or Mastercard bank card in your own name or with USDT; the top-up fee is 2% on Standard.
On the Midjourney website, sign in, choose a plan and a billing option (monthly or yearly, depending on what is offered).
Enter the card number, expiry date and security code, with the name exactly as it appears in the app.
Confirm the payment and watch for the purchase notification in the app, which arrives right away.

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

The subscription price is whatever Midjourney shows at checkout; 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 drops to 1%, with an issue fee of US$ 100. There is no monthly card fee, so in months when you do not use Midjourney an idle card costs nothing.

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 in your balance directly in dollars.

How do you control Midjourney automatic renewals?

The subscription renews automatically on the billing date. Keep the renewal amount plus the per-purchase fee on the card before that day. If the balance is too low, the payment is declined and the money stays on your balance.

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 plan change or an unexpected charge never goes beyond what you planned.

Need a break? Freeze the card in one tap and unfreeze it when you come back. To stop for good, also cancel the subscription in your Midjourney account.

Why was my Midjourney payment declined?

In most cases the reason is one of these. Check them in order:

Balance: it must cover the subscription price plus the US$ 0.25 per-purchase fee.
Your caps in the app: the monthly cap or the per-purchase cap may be lower than the plan price.
Frozen card: unfreeze it in the app and try again.
Card details: the name and billing address must match what the app shows.
Retry: wait a few minutes and try once more, without repeating the payment many times in a row.
If it still does not work, contact support through the Telegram bot in the app or on the website.

What are the most common mistakes?

Topping up only the plan price and forgetting the per-purchase fee.
Letting the balance run out before a renewal and losing access in the middle of a project.
Setting a per-purchase cap in the app below the price of a yearly plan.
Typing a name at checkout that differs from the one on the card.

Sources

FAQ

Does Midjourney accept virtual cards?

Midjourney takes card payments, and the Guarapay card works wherever Visa is accepted. Some merchants may decline cards according to their own rules, so check that the first charge is approved.

Do I need to top up before every renewal?

Only if the balance does not cover the next charge. You can keep a few months of subscription on the card; whatever is left stays available.

How do I top up the card balance?

In the app, with a Visa or Mastercard bank card in your own name or with USDT. There is no minimum top-up 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% (1% on Premium) and US$ 0.25 per approved purchase.

Can I use the same card for other AI tools?

Yes, the card works online wherever Visa is accepted, and keeping your subscriptions on one card shows what they cost each month.