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How do you pay US services without a credit card?

Updated on October 23, 2026

Use a prepaid virtual Visa card with a dollar balance: you issue it in about two minutes, top it up with USDT or a bank card and pay at the service's checkout. There is no credit and no statement, and you can only spend the balance.

Issue virtual card

How do you pay US services without a credit card?

Can you pay a US service without a credit card?

Yes, for most services that accept Visa at checkout: the Guarapay prepaid virtual card works online like a Visa card, but the money comes from the dollar balance you topped up, not from a credit limit.

Some services require a credit card or decline prepaid cards under their own rules. A decline takes no money from the balance, and you see the result of each attempt in the app.

How do I pay a US service with a prepaid card, step by step?

  1. Open the Guarapay app or the Telegram mini app @guarapay_bot and create an account.
  2. Issue the virtual Visa card; it is ready in about two minutes.
  3. Top up the service price plus US$ 0.25 with USDT or with a Visa or Mastercard bank card in your own name.
  4. At the service checkout choose card and enter the number, expiry date, security code, name and billing address as they appear in the app.
  5. Confirm the payment and check the charge notification in the app.

How much does it cost to pay without a credit card?

  • One-off issue fee: US$ 10 on Standard or US$ 100 on Premium; no monthly fee.
  • Top-up fee: 2% with USDT on Standard and 1% on Premium; 5% with a bank card on both plans.
  • US$ 0.25 per approved purchase, taken from the balance with the purchase; a declined purchase is not charged.
  • Monthly spending limit: US$ 10,000 on Standard and US$ 100,000 on Premium.
  • On a bank-card top-up your bank may add IOF and apply its own exchange rate.

What is the difference between a prepaid card and a credit card?

  • Credit card: you spend first and pay later, on the statement, within a bank limit.
  • Prepaid card: you top up first and spend up to the balance, with no statement and no debt.
  • Subscriptions: on a prepaid card, if the balance is short at renewal, the charge is declined and the money stays in the balance.
  • Control: in the app you set a monthly and a per-purchase cap and freeze the card with one tap.

What if the service does not accept the prepaid card?

  1. Check that the balance covers the amount plus US$ 0.25 and that the card is not frozen.
  2. Check that the name and billing address match the app.
  3. Try again after a few minutes, once.
  4. See whether the service has another payment screen, such as the website in a browser instead of the phone app.
  5. If the decline continues, contact Guarapay support on Telegram.

Sources

FAQ

Can I subscribe to a US service without a credit card?

Yes, on services that accept Visa: the prepaid virtual card pays from the dollar balance; some services may decline prepaid cards under their own rules.

Do I need a credit card to top up the virtual card?

No: you top up with USDT or with a Visa or Mastercard bank card in your own name, with no minimum.

Does a prepaid card create a statement or debt?

No; you only spend the balance you topped up, and a purchase without balance is declined.

Does a prepaid card work in a phone app?

If the app bills through an app store, the charge follows the payment method saved there; the most direct route is usually to pay on the website in a browser.

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