BiyaPay Swift Card Guide: Turn USDT Into a USD Mastercard for ChatGPT

BiyaPay's Swift Card is a Mastercard virtual card funded by converting USDT to USD: $1 to issue, $5 minimum top-up, built for AI platforms like ChatGPT and Clau

What this covers

BiyaPay's Swift Card (速捷卡) is a Mastercard USD virtual card you fund by converting USDT to USD. It is aimed at paying for AI services such as ChatGPT and Claude. This guide covers sign-up, KYC, conversion, card issue, top-up and binding ChatGPT, plus the Oct–Nov 2026 new-user promo.

Before you start

  • Fees: $1 card fee, no annual fee; $5 minimum top-up with a 0.8% top-up fee.
  • Per the card notes: $0.5 base fee per transaction, plus $0.5 for small transactions (about $1 total under $50); $0.5 per failed or declined transaction; 5% on refunds.
  • The Swift Card (BIN 555659) only works on AI platforms and cannot be used on mainland China platforms.
  • KYC verification is required.
  • Fees and promos follow the official BiyaPay card page and event pages.

Steps

1. Sign up and pass KYC

Sign up with the invite link, or enter invite code 64138576. Then complete identity verification in the app until you see the success screen.

BiyaPay new-user event (original invite info redacted)
KYC success (personal info redacted)

2. Convert USDT to USD

After depositing USDT, convert it to USD on the exchange screen. Card top-ups only use your USD balance.

Convert USDT to USD

3. Apply for the Swift Card

On the virtual card page choose the Swift Card with BIN 555659 and read the fee and usage notes.

Choose the Swift Card BIN and read the notes

Fill in the cardholder name and billing address and submit; the card is issued instantly.

Card application form (personal info redacted)

4. Top up the card

Minimum $5 with a 0.8% fee. Top up a bit more at once to avoid repeated small top-ups.

Card top-up screen

Card details show the number, expiry, CVV and fees.

Card details (number redacted)
Swift Card (number and expiry redacted)

5. Bind ChatGPT and other AI platforms

Pick a plan on the ChatGPT upgrade page and pay with the Swift Card details. Claude and others work the same way.

ChatGPT upgrade plans

6. New-user promo (optional)

Runs 2026-10-08 15:00 to 2026-11-15 23:59:59 (UTC+8).

  • Event 1: deposit ≥200U for 10U, ≥1000U for 20U (event page).
  • Event 2: deposit ≥1000U and hold 7 days for another 20U (event page).
  • Up to 50U combined, paid within 10 working days after the event.
  • Also a 7-day 18% rate-boost coupon (capped at 3,000 USDT) and 0.06–0.5 NVDA shares for $2,000+ in US stock trades.

BiyaPay also trades US and HK stocks if you are interested.

Search stocks
US stock order screen

Carddoger summary

The Swift Card turns USDT into a USD card with a low entry cost ($1 card fee, $5 minimum top-up), which suits people who only need it for AI subscriptions. The downside is a fixed fee on every transaction, including failed ones, so frequent small charges add up. Top up a month's subscription at a time and confirm the platform accepts the card before relying on it. Invite code 64138576, invite link.