# TunaPay

> TunaPay is a membership-based virtual card service funded with USDT. Members use its virtual cards to pay for AI subscriptions such as Claude, ChatGPT and Cursor, and a Google account can link the card too. Updated October 2026.

TunaPay key facts:

- Membership: $100 lifetime fee, paid once in USDT (Tron TRC20, BNB Chain BEP20 or Ethereum ERC20). Includes 5 VIP card slots with no card fees afterwards, free replacement when a card stops working, a 24/7 AI concierge and a member-only card range.
- Single card: $9.9, no membership needed, limited to 1 per person. It can be upgraded to membership from the wallet at any time. Extra cards beyond the 5 slots cost $9.9 each (extra cards do not include free replacement).
- Fees: card top-ups cost 2%; each withdrawal to a USDT address costs $3 (minimum $10, paid after next-business-day review); wallet top-ups have no fee. Fees actually charged by the card issuer are passed through at cost. No other hidden fees.
- Balance: keep at least $5 on each card; below $5 the card freezes until topped up. Closing a card returns its full balance to the wallet.
- Platforms: TunaPay lists only platforms where its own bills were actually charged. Tested platforms are Claude, ChatGPT, Cursor and Google (account card linking).
- Subscriptions only: cards cannot buy API credits (prepaid usage credits in a developer console are declined). Monthly subscriptions such as ChatGPT Plus, Claude Pro and Cursor work.
- Declined payment: every decline shows its reason under "My cards -> Transactions"; a self-check guide covers the 12 common causes. Stop after two failures in a row and contact support.
- AI payment plugin (VIP only): a member's own AI submits an order, money is charged only after the member confirms, and each order uses one single-use card that is frozen once the payment succeeds.
- Partners: studios and teams can get a partner account through support, with a dashboard to issue cards, top up, freeze and view transactions.
- Availability: not available to residents of mainland China.

## Important pages

- [Home](https://www.tunapay.ai/): what TunaPay is, membership and single-card pricing, supported scenes.
- [FAQ (Chinese, English, Spanish)](https://www.tunapay.ai/faq.html): static questions and answers on declined payments, paying for AI subscriptions with USDT, membership vs single card, fees, minimum balance, API credits, partners and the AI payment plugin.
- [Claude setup guide](https://www.tunapay.ai/claude-guide.html): step-by-step Claude subscription payment with a TunaPay card (page is in Chinese, links to Claude's official help pages).
- [Decline self-check guide](https://www.tunapay.ai/decline-help.html): what to check when a card payment is declined (page is in Chinese).

## 中文简介

TunaPay 是会员制 USDT 虚拟卡：终身会员 $100 一次付清，含 5 个 VIP 卡位和 AI 付款插件（会员把自己的 AI 接进来，AI 下单、会员确认才扣钱）；也可以单张开卡 $9.9。卡可用于订阅 Claude、ChatGPT、Cursor，卡内充值收 2%，每笔提现 $3。卡只用于订阅，不能买 API 额度。本服务不面向中国大陆居民。

## Resumen en español

TunaPay es una tarjeta virtual por membresía, financiada con USDT: membresía de por vida de $100 (pago único) con 5 ranuras VIP, o tarjeta suelta por $9.9. Sirve para suscribirse a Claude, ChatGPT y Cursor; las recargas de tarjeta cuestan 2% y cada retiro $3. Solo para suscripciones, no para créditos de API. No disponible para residentes de China continental.