# No-KYC prepaid card — virtual + physical options

> Buying a Visa/Mastercard prepaid card without ID, paying in XMR/BTC. Single-use virtual vs reloadable physical, what each one costs, and the picks.

Canonical URL: https://www.xmr.club/guides/no-kyc-prepaid-card

## Overview

Single-use virtual cards funded with crypto have effectively replaced the cash-Visa-gift-card-at-a-pharmacy workflow for online shopping. Reloadable physical cards exist too but cost much more to issue. Below: what's available, what each one costs, and the picks from the directory.

## Body

Two flavours Single-use virtual — burn-on-pay. $5-25 fee per card, accepts the listed retail value, then card is dead. Use for one online purchase. Funded by XMR/BTC/LN. Reloadable physical — plastic in the mail. $100-350 issuing fee, 2-5% reload margin. Use for ongoing card-present + recurring online. Rarely worth it unless you're using it daily. Caveats 3DS / merchant ID checks. Some online merchants kick the card to a 3D-Secure ID step — the card itself may not need KYC, but if the merchant runs a credit-check on you, that's a separate trail. Region-locked BINs. Many virtual cards issue with a US or EU BIN. Some merchants block non-US BINs. Pick the right region at checkout. Subscription declines. Some recurring subs reject prepaid cards. Use single-use for the first month then move. Refunds. Single-use cards can't accept refunds — the card is gone after the first transaction. Plan accordingly. A-grade picks

## Recommended picks

- [kyc.rip Cards](https://www.xmr.club/cards/kyc-rip-cards) · /llm/cards/kyc-rip-cards.txt — First-party single-use virtual Visa/MC funded by XMR/BTC/LN. No-account.
- [Trocador Cards](https://www.xmr.club/cards/trocador-cards) · /llm/cards/trocador-cards.txt — Sibling product to the swap aggregator. Established issuer.

## License

CC-BY-4.0. Attribute "xmr.club".