During the renewal process for ChatGPT Plus / Pro, if you encounter a prompt indicating that the payment cannot be completed, it is often due to insufficient balance, mismatched billing information, or abnormal network conditions. Below, I will analyze the reasons and provide solutions based on the actual usage scenarios of virtual credit cards.
- Ensure sufficient balance on the virtual credit card
To ensure that the subscription fee can be deducted normally, it is recommended to keep the card balance above $25 before payment, which can cover the monthly fee and handle any potential temporary freezes or pre-authorizations by the platform.
Recommended top-up method: USDT (TRC20) deposit, which is fast, low-cost, and highly stable, making it very suitable for daily use.
If you do not have a virtual card yet, you can sign up for an EasyPay virtual credit card, which only requires 3U to open the card, has no monthly fee, does not require real-name verification, and supports email registration or assistance from Telegram customer service to complete the account opening process.
- Billing address must match account information
An important reason for ChatGPT Pro payment failure is that the billing information does not match the details provided during account opening. The fields for street, city, state/province, and postal code on the payment page need to be exactly the same as when the card was issued.
Recommended practice: Log in to the virtual card backend and directly copy the billing address assigned by the system to fill in, avoiding any format or spelling discrepancies.
- Choose a matching network and device environment
Whether the payment is successful is greatly related to the IP used and the card's issuing location. For example, it is recommended to use a U.S. card with a U.S. IP.
Additional optimization: Using a fingerprint-masking anti-fingerprint browser can effectively reduce the transaction failure rate caused by abnormal device fingerprints.
Operations to avoid include:
Frequent clearing of browser cache
Using privacy mode or incognito mode for payment
- Do not frequently change the linked payment card
Frequently replacing the credit card linked to the OpenAI account may trigger the system's risk control, resulting in payment failures or account restrictions.
It is recommended to use the EasyPay virtual credit card when initially linking and to keep that card active for a long time. If you must change it, please ensure that the balance is sufficient and the billing information is correct.
- Main advantages of virtual credit cards
No real-name verification required, simple and quick card opening
USDT (TRC20) deposit, almost real-time arrival speed
Low cost: card opening fee is only 3U, no monthly fee
Highly compatible: suitable for various international platforms like ChatGPT, Midjourney, etc.
Flexible registration methods: supports email or Telegram login
💡 Final tip
When encountering issues with ChatGPT Plus / Pro payments, you can sequentially check the balance, billing information, network environment, and payment method. Using a USDT virtual credit card can not only resolve renewal obstacles but also significantly reduce the probability of payment failures.