How to pay for work software and subscriptions in dollars

Updated on November 7, 2026

Author: Gabi da Guará · reviewed by the Guarapay team

Most work tools, from Notion and Figma to Adobe, cloud storage and the Apple and Google developer accounts, charge a card in US dollars and renew on their own. This guide covers what each one does differently and one way to pay all of them with a virtual Mastercard holding a dollar balance.

Issue virtual card

How to pay for work software and subscriptions in dollars

How are work subscriptions billed?

Almost every tool here bills the card saved on the account and charges it again at the end of each period. The plan, the price, the currency and the accepted payment methods depend on the country of the account and change over time, so the amount on the payment screen is the one that counts: check that it is in dollars before you confirm.

Team tools charge per workspace, team or seat, so the total grows with the number of members, and a person who joins mid-cycle can trigger a prorated charge before the renewal. Monthly plans take one month at a time. Quarterly and yearly plans are paid in full at the start, and some annual plans are billed monthly with a one-year commitment that may cost something to cancel early.

Where you subscribe also matters. On the website you pay with the card saved on the service account; inside a phone app the purchase often goes through the App Store or Google Play, which charge their own payment method. If you top up a dollar card with a local bank card, your bank may add its own taxes and exchange rate on that top-up; with USDT the money lands directly in dollars.

Guarapay issues a virtual prepaid Mastercard with a US-dollar balance in about two minutes, in the Guarapay app or the Telegram mini app @guarapay_bot. It works online wherever Mastercard is accepted, and the same card can pay several services. Some merchants may decline cards under their own rules, so check in the app that the first charge was approved.

Design and documents: Notion, Figma and Canva

Notion: billed per workspace and, on most paid plans such as Plus and Business, per member; AI features are included or sold as an add-on to the same workspace and card, depending on the plan. Guests with limited access usually are not paid members. If you belong to several workspaces, upgrade the right one.
Figma: billed per team or organisation and per paid seat; the seat type depends on what the person does in the files, and people who only view or comment usually do not create a charge. A new editor can add a charge before the renewal, and a large team on a yearly plan can exceed the card limit in one charge.
Canva: plans and the currency shown depend on the country of the account, with monthly or yearly billing and options for teams. The yearly plan usually charges everything at once; if you only use Canva for campaigns, the monthly plan avoids paying for idle months.

Writing and languages: Grammarly and language apps

Grammarly: checks English text only, not Portuguese or Spanish. The individual plan is called Pro, and older accounts call it Premium; it is offered monthly, quarterly or yearly, each period paid in full at the start. Upgrade on the website: started from the phone keyboard app, the purchase may go through the app store. If your employer or university provides Grammarly, you need no card.
Duolingo, Babbel and other language apps: subscribed on the website, they charge the card on the service account; subscribed inside the phone app, they charge through the App Store or Google Play, so the card has to be added in the store. Cancel in the same place you subscribed. After a declined renewal, the service may move you back to the free plan.

Storage and privacy: iCloud+, Google One, Dropbox and VPNs

iCloud+: billed through your Apple account, with the card saved in its payments area; an account in another country may require a billing address that matches its region.
Google One: billed through your Google account, with the same region rule as Apple; the same card can also pay Dropbox, which bills through its own account.
Storage renewals: if a charge fails, cloud services usually retry and warn you by email and may later reduce the plan’s space, which can limit uploads. Keep the renewal amount on the balance and download a copy of important files if you will not renew.
VPNs such as NordVPN and ExpressVPN: yearly or two-year plans cost less per month but charge the full price at once. Read the refund window before you pay; a refund returns to the card under the service’s rules.
VPN privacy: a virtual card keeps your bank card number from the site, but it is not anonymous, because it is tied to your Guarapay account. Guarapay does not offer a VPN or advise on getting around blocks.

Other software licences: Adobe and Microsoft 365

Adobe Creative Cloud and Microsoft 365: both offer monthly and annual plans and renew to the card saved on the account. On a monthly plan the balance only has to cover one month and you can cancel at any time.
Annual plan paid up front: the whole amount leaves the balance at once and must fit the monthly card limit and your per-purchase cap; if it does not, choose the monthly plan or look at Premium.
Annual plan billed monthly: it comes with a one-year commitment, and cancelling before the end may have a cost under the service’s rules. Read the cancellation terms before you confirm.
Anti-fraud checks: if the service asks for extra verification, follow the on-screen instructions and do not repeat the payment several times in a row.

Developer programme fees: Apple and Google Play

Apple Developer Program: $99 a year, as listed on Apple’s page, renewed every year. If the membership lapses, you can lose the ability to publish updates and your apps may be removed from the store. Apple may show the price in local currency in some countries.
Google Play Console: a one-time $25 registration fee, as listed in Google’s help centre, not charged again each year. Google can ask you to verify your identity, and organisation accounts need extra documents, so start verification early.
For both: enrol with the same name as on your ID, and approve 3-D Secure in the Guarapay app if it is requested. Apple and Google may decline prepaid or virtual cards under their own rules; if one does, use another payment method accepted in your account.

How do you pay any of these services, 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 $ 19 on Standard or $ 99 on Premium.
On the service website, pick the plan, the billing period and, for team tools, the number of members or seats, and note the total.
Top up that total plus the $ 0.25 per-purchase fee, with a Visa or Mastercard bank card in your own name or with USDT.
In the payments or billing area of the account, enter the card number, expiry date and security code, with the name and billing address exactly as in the app.
Check the amount and currency and confirm; approve 3-D Secure in the app if asked.
Look for the purchase notification in the app, which arrives right away, and note the next renewal date.

How much does it cost to pay with the card?

Service price: what the service shows at checkout; Guarapay does not change it.
Issue fee, paid once: $ 19 on Standard or $ 99 on Premium. There is no monthly fee, so months without use cost nothing.
Top-up fee: 10% with USDT on Standard and 5% on Premium; 10% with a bank card on both plans. It is taken at top-up.
$ 0.25 per approved charge, taken from the balance together with the amount; every renewal counts as a new charge, and a declined purchase is not charged.
Monthly spending limit: $ 10,000 on Standard and $ 100,000 on Premium.

How do you keep renewals and caps under control?

Before each billing date, keep the full renewal on the balance: the price for all members or seats, the whole period for quarterly and yearly plans, plus $ 0.25. If the balance is too low, the payment is declined and the money stays on your balance; do not leave the top-up for the day before a yearly renewal.

In the app you can set a monthly cap and a per-purchase cap below the plan limit, and freeze the card in one tap. Freezing only blocks new charges: to end a plan, cancel it or turn off renewal on the service, a few days before the date and in the same place you subscribed. To keep spending separate, issue another card with its own caps.

Why was the payment declined?

Insufficient balance: it must cover the full amount, for all seats or the whole period, plus the $ 0.25 per-purchase fee.
Caps in the app: the monthly or per-purchase cap is below the amount, which happens most with quarterly and yearly plans.
Frozen card: unfreeze it in the app before trying again.
A name or billing address that differs from what the app shows, or a region mismatch on an Apple or Google account.
The price was in another currency, so the amount you loaded does not match the charge.
Subscription made in a phone store: the card has to be added in the App Store or Google Play, not only on the service account.
The merchant declines prepaid or virtual cards under its own rules; support cannot change a store’s decision.
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

Can one card pay several work subscriptions?

Yes. The card works online wherever Mastercard is accepted; keep each renewal plus $ 0.25 per charge on the balance, or issue a separate card per service with its own caps.

Why does my team tool charge more than the plan price?

Notion, Figma and similar tools charge per member or seat, and someone who joins mid-cycle can add a prorated charge before the renewal. Check on the billing page who is being charged.

How much should I keep on the card for a yearly plan?

The full yearly price shown at checkout plus $ 0.25, with a per-purchase cap at least that high. It must also fit the monthly limit of $ 10,000 on Standard or $ 100,000 on Premium.

Why can’t I use the card for a subscription started in a phone app?

In-app purchases often go through the App Store or Google Play, which charge the payment method saved in the store. Add the card there, or subscribe on the service website.

Does freezing the card cancel the subscription?

No. Freezing only blocks new charges. To end a plan, cancel it or turn off renewal on the service, where you subscribed.

Is there a monthly fee for the card?

No. You pay the issue fee of $ 19 ($ 99 on Premium), the top-up fee of 10% with USDT (5% on Premium) or 10% with a bank card, and $ 0.25 per approved purchase.