American merchants often decline cards issued abroad. A US-BIN card with a matching US billing address clears their checks far more often. This guide explains how US virtual card issuing works, and what Gpaynow offers today: prepaid US-BIN cards you can buy now, and an issuing API that is in early access.
In short: in the US, only a bank or credit union can own a card BIN, so companies that issue cards use a licensed bank's BIN through a platform. Gpaynow's store already sells prepaid US-BIN virtual cards you can buy with crypto today. Card API v2, which would let you issue such cards from your own code, is in early access and not live yet.
US BINs come only from banks and credit unions. Getting your own means a charter, capital reserves and a long audit process, so nearly every US fintech issues on a licensed bank's BIN rather than its own. The bank stays the legal issuer of record and carries the regulatory duty; the platform runs the product.
Many US checkouts run address verification (AVS) and risk checks that read the card's issuing country from its BIN. A US-BIN card with a matching US billing address is more likely to clear than a foreign card. Acceptance is never guaranteed: the merchant and the card network decide what clears, and some merchants refuse prepaid cards.
Prepaid US-BIN cards in the store. You can buy prepaid virtual Visa and Mastercard cards on US BINs from your Gpaynow balance, topped up with crypto. Each card price is the card balance plus a one-time activation fee ($5, or $15 on $300 cards), there are no monthly fees, and there is no KYC to buy. Browse the US cards.
Card API v2 (early access). A planned API to issue such cards from your own app. No card issuer is connected yet, and API keys, a test environment and webhooks are not available yet. At launch, cards would be issued by a licensed card-issuing partner; Gpaynow is not the card issuer. Every business would need verification (KYB) and every cardholder identity checks (KYC) before live cards are issued. No payment is taken until your access is approved. Read about Card API v2.
Yes. The Gpaynow store sells prepaid US-BIN virtual cards you buy with crypto, with no KYC to buy.
Not yet. Card API v2 is in early access: no issuer is connected, and keys and webhooks are not available yet. Join the waitlist on the Card API page.
At launch, a licensed card-issuing partner (a bank) would be the issuer of record. Gpaynow provides the platform and the API; it is not the card issuer.
No. A US BIN and US billing address improve acceptance, but the merchant and the network decide, and some merchants refuse prepaid cards.