Genshin Impact: How to Pay for Subscriptions and In-Game Purchases from Any Country

Genshin Impact is one of the most popular games worldwide, and many players face payment issues when buying subscriptions or in-game currency due to regional restrictions. This guide explains how to use a virtual card to pay for HoYoverse services, which cards are accepted, and what to do if your payment is declined.

What Payment Methods Genshin Impact Accepts

The game uses HoYoverse platforms (PC, mobile) and third-party stores (PlayStation Store, Epic Games Store). To purchase in-game currency (Genesis Crystals) and the "Welkin Moon" subscription, you need a card supported by the payment system. Visa and Mastercard are generally accepted, but there may be restrictions based on the card's issuing country.

Payment Issues from Certain Regions

Players from countries where local bank cards don't work with international services often encounter errors at checkout. This happens because HoYoverse's payment gateway may reject cards issued in certain regions or require 3D-Secure support. A virtual card from an international issuer solves this problem.

How to Pay with a VirtCardPay Virtual Card

VirtCardPay virtual card is a Visa or Mastercard issued by a foreign partner bank. It works for payments in Genshin Impact and other HoYoverse services. Here's a step-by-step guide:

• Register with VirtCardPay and issue a virtual card (Visa or Mastercard).
• Top up the card balance with an amount sufficient for your purchase (e.g., about $5 for the Welkin Moon subscription, from $1 for a Genesis Crystal pack).
• In the game, go to the shop and select the item you want.
• Enter your card details: number, expiry date, CVV, and cardholder name (in Latin characters).
• Confirm the payment. If 3D-Secure is required, enter the code from SMS or the app.

After successful payment, the purchase is credited to your account instantly.

Common Errors and Solutions

• "Card declined" error — check that your card has sufficient funds and online payments are enabled. Make sure the card's issuing country is not on HoYoverse's prohibited list (usually sanctioned regions).
• 3D-Secure error — ensure your phone number for SMS confirmation is up to date. With VirtCardPay, the code is sent to your account dashboard.
• Incorrect card details — carefully enter the number, expiry, and CVV. The cardholder name must match what's on the card.
• Transaction limits — some cards have per-transaction limits. Check your card settings.

How Much to Keep on the Card

We recommend topping up with a 10–20% buffer over the purchase amount to cover potential currency conversion fees. For example, for a $10 purchase, keep $11–12 on the card.

Alternative Payment Methods

If a virtual card doesn't work, you can use gift cards (Google Play, App Store, PlayStation Store) purchased from foreign stores. However, this is less convenient and may require extra steps.

FAQ

Can I pay for Genshin Impact with a VirtCardPay card?

Yes, VirtCardPay virtual cards (Visa/Mastercard) are accepted in the HoYoverse store if the card supports international payments and 3D-Secure.

What currency is used for payment?

Payments are processed in US dollars or the currency of your account region. A conversion fee may apply.

What should I do if the payment fails?

Check your balance, limits, and card details. If the error persists, contact VirtCardPay support.

Service names, games, and franchises are the property of their respective owners and are mentioned only to describe the payment scenario; VirtCardPay is not affiliated with them.