Complete Answers to Wildcard Usage Questions ｜ Wildcard User Guide

In today's increasingly globalized world, more and more Chinese users wish to enjoy high-quality digital services and content subscriptions from overseas. However, the barriers to cross-border payments often make this simple demand fraught with difficulties. Ye Card (formerly Wildcard) has emerged to break this barrier, dedicated to providing Chinese users with convenient, safe, and efficient overseas payment solutions. This article will comprehensively introduce Ye Card's service philosophy, core functions, usage advantages, and future development, helping you gain a deeper understanding of this innovative platform that is changing the landscape of cross-border payments.

What is Ye Card? From Wildcard to Localized Brand Upgrade#

Brand Origin and Transformation Journey#

Ye Card initially launched under the Wildcard brand as a technology company focused on solving the pain points of overseas subscription payments for Chinese users. As the business developed further in the Chinese market, Wildcard officially upgraded to "Ye Card" to better align with local user habits and convey a friendly, convenient brand image. This transformation is not just a change of name but a localization of the brand philosophy.

The name "Ye Card" combines the flexible and changeable concept of "Ye" with the payment tool "Card," symbolizing the platform's ability to flexibly respond to various cross-border payment scenarios, like a universal pass that helps users access global digital services seamlessly.

Core Business Model and Positioning#

Ye Card's core business is to provide Chinese users with a one-stop overseas digital service subscription payment solution. The platform integrates global payment channels, building a bridge connecting Chinese users with international digital services, allowing users to easily subscribe to overseas software services like ChatGPT, Claude, Netflix, and Spotify using familiar domestic payment methods.

In terms of business positioning, Ye Card is not just a payment tool but a comprehensive cross-border digital consumption platform that encompasses payment processing, subscription management, and membership benefits.

Ye Card's Technical Advantages and Security Assurance#

Advanced Cross-Border Payment Technology Architecture#

Ye Card employs a leading cross-border payment technology architecture, achieving efficiency, stability, and security in the payment process. The platform's core technical advantages include:

RMB Support: Ye Card supports domestic payment methods such as Alipay for recharging.
Intelligent Exchange Rate Optimization: By monitoring international exchange rate fluctuations in real-time, it uses the weighted average price of the US dollar cash selling rate from the past two days at the Bank of China to save users on currency conversion costs.
Payment Verification Acceleration: Optimizes the cross-border payment verification process, significantly reducing verification time and increasing payment success rates.

Comprehensive Security Assurance System#

In the field of cross-border payments, security is the primary concern for users. Ye Card has established a comprehensive security assurance system to ensure the safety and reliability of every transaction:

Bank-Level Data Encryption: Utilizes bank-level data encryption technology to protect users' payment information and personal data.
Real-Time Risk Control Monitoring: Establishes a real-time risk control monitoring system, with SMS notifications for every transaction, allowing users to check all consumption information on the website.
Compliance Operation Assurance: Strictly adheres to domestic and international payment regulatory requirements, operating legally and compliantly to provide users with long-term stable services.
Multi-Factor Authentication: Supports multi-factor authentication technology to ensure account security and prevent unauthorized access.

Ye Card's Service Advantages and User Experience#

Barrier-Free Overseas Service Subscription Experience#

Ye Card's greatest value lies in thoroughly solving the pain points of Chinese users subscribing to overseas digital services, creating a barrier-free subscription experience:

One-Click Subscription: Users only need to select the target service on the Ye Card platform, fill in the necessary information, and complete the subscription with one click, without having to deal with complex cross-border payment issues themselves.
Localized Payment Methods: Supports payment methods familiar to Chinese users, such as Alipay, without the need for overseas credit cards.
Unified Management Platform: Users can manage all overseas subscription services in one place on the Ye Card platform, clearly viewing consumption records, renewal times, and billing details.

Value-Added Services Beyond Payments#

Ye Card not only provides basic payment services but also extends multiple value-added services to enhance the user experience comprehensively:

Localized Customer Support: Offers fully Chinese customer support services, allowing users to obtain timely assistance through various channels such as online customer service, Telegram, and email.
Cross-Border Service Assistance: Provides services such as overseas phone numbers and OpenAI API network forwarding to help users better utilize overseas services.

Service Categories and Platform Coverage of Ye Card#

Comprehensive Coverage of Mainstream Digital Service Categories#

The Ye Card platform supports various types of overseas digital service subscriptions, covering a wide range:

Streaming Entertainment: Global popular video and music streaming services like Netflix and Spotify.
AI Productivity Tools: Overseas AI models and software services such as ChatGPT, Claude, Gemini, Cursor, Windsurf, and Notion.
Cloud Storage Services: Cloud storage expansion services from Amazon, Cloudflare, etc.
Professional Software Services: SaaS software subscriptions in various professional fields such as design and development.

Registration and Real-Name Verification#

The first step to using Ye Card is to register an account and complete real-name verification:

Visit Ye Card Official Website .
Register and log in using your mobile number, supporting mainland and Hong Kong/Macau regions.

Choose a Service Package#

After registration, users go to subscribe to services and activate the Ye Card membership package:

Confirm the subscription plan (monthly, yearly, biennial, etc.).
Complete real-name verification according to the platform's guidance to ensure account security and compliant use.
Set a payment password to enhance account security.
Use Alipay to pay and complete the membership activation.

Once Ye Card is successfully activated, users can conveniently subscribe to overseas software and make payments on the Ye Card platform:

Check the services available for subscription on the "My Cards" page.
Select the overseas product you wish to subscribe to; if it is not on the list, you can choose "Other" or consult customer service to see if it is supported.
Recharge the subscription fee in advance using Alipay.
Follow the tutorial instructions to complete the subscription or payment for the corresponding overseas service.

Frequently Asked Questions#

How does Ye Card charge?#

Ye Card membership can be activated for either 1 year or 2 years.

1 Year: $11.99
2 Years: $16.99

Transaction fees are 0%, but there is a 1% + $0.3 transaction fee for non-US merchants/non-USD transactions, such as spending in GBP or other currencies.

The recharge fee is 3.5%, and the unspent portion can be refunded to your Alipay in real-time, with no fees.

If you make a purchase using Ye Card and the merchant initiates a refund, it generally takes 14-21 business days for the refund to be processed, with a 2% fee charged for the refund.

When binding a card, the binding platform typically performs a small deduction for verification and then reverses this deduction. During the reversal, a $1 reversal fee will be incurred; if the deduction is less than $1, no fee will be charged.

If the merchant cancels the transaction and processes a refund, the same $1 transaction reversal fee will apply.

Can I get an invoice?#

Ye Card can provide standard international commercial invoices and receipts that can be reimbursed domestically.

The issuance entry is in the upper right corner of "Settings" after logging in.

The generated receipt includes the card opening fee and the fees incurred from recharges for that month.

If you want to issue a receipt for ChatGPT, please refer to the following tutorial on how to download a reimbursable receipt for ChatGPT Plus.

How long does it take for refunds to process?#

Ye Card supports refunds to the card; if you negotiate a refund with the merchant, it generally takes 14 to 21 business days for the refund to be processed back to the card. A 2% fee will be charged for the refund.

We pull refund settlement files from the bank every hour, and if there are refunds, they will be processed immediately.

The payment systems in the US and China are different; in China, everyone uses a central bank clearing system, while in the US it goes through a virtual card account - issuing bank - clearing bank - receiving bank - receiving merchant. From the time the refund is initiated by the receiving merchant, it takes at least 14 business days, and some customers may even experience delays of up to 30 days; we appreciate your understanding.

Can I receive payments/transfers?#

You can only make purchases; receiving payments and transfers are not allowed.

Products supported by Ye Card for consumption#

Ye Card supports subscriptions for the following specific products:

ChatGPT OpenAI API Claude Google Apple Store
Poe Cursor Suno Midjourney Amazon
Github Facebook X/Twitter Adobe Perplexity
Openrouter Webshare Windsurf

Forced deductions#

If there is a negative balance due to forced deductions initiated by the bank because of an automatic renewal service not being canceled, the user must make up the difference.

What to do if the subscription fails?#

If you encounter a consumption failure, first check if there is a record of this transaction in Ye Card's transaction history. If there is, it means the transaction was successfully pushed to the bank; you can check the failure reason in the consumption details.

If there is no record, it means the transaction was directly intercepted.

If you are using a proxy/VPN for payment and this proxy is used by many people, too many users making payments with different cards under one IP is typical of hacker fraud behavior. Once a hacker successfully makes a purchase, the loss is borne by the payment institution, so most of the time, the payment institution will intercept your consumption. The solution is to switch to a less crowded node or use a home network IP for the exit.

Alternatively, you can directly use in-app purchases through the Apple Store or Google Play to bypass this issue.

Will I get a refund if the purchase was unsuccessful but I was charged?#

Yes, if you used Ye Card and the charge failed, or if you upgraded to ChatGPT Plus but did not receive the upgrade.

These types of charges and payment failures will be refunded back to the card. However, the process may be slow, generally taking about 14-28 days.

We pull refund settlement files from the bank every hour, and if there are refunds, they will be processed immediately.