Pay for Substack Subscriptions with a Virtual Card

What is Substack?

Substack is a publishing platform where writers, podcasters and video creators run their own publications and earn from paid subscriptions. Readers follow publications on the web or in the Substack app, and pay the creators they want to support directly.

Paid subscriptions are charged by card through Stripe. Cards from countries with limited international payments are often refused at that checkout; a virtual Mastercard funded with USDT pays like any international card.

Each creator decides whether a publication is free or paid and sets its own price. Under the Substack terms of use, a creator can change the price at any time, but a change never applies to what you already paid.

The subscription is an agreement between you and the creator; Substack runs the platform and the checkout. Many publications keep some posts free, so you can read a few before you subscribe.

Refunds are generally up to the creator. Substack passes refund requests on to creators under its own refund policy, so ask the creator first if a charge looks wrong.

Every paid publication is a separate subscription. If you follow several writers, each one renews on its own.

Why local cards get declined at Substack

Many local bank cards are not enabled for international online payments, or their bank refuses foreign merchants. Merchants abroad charge cards through global payment processors, so a domestic-only card is often declined even when it has enough balance.

Cards Substack accepts

Virtual Visa
Virtual Mastercard
Prepaid
Debit
Credit card
Crypto (direct)

Substack takes cards through Stripe at checkout.

Best Mehbit card for Substack

Issue it, top up with USDT or USDC, then pay at checkout — with your name on the card.

Singapore Mastercard

Program countrySingapore
Issuance9.99 USDT
VAT9%

Apple PayGoogle Pay

View details

United Kingdom Mastercard

Program countryUnited Kingdom
Issuance20 USDT
VAT20%

Apple PayGoogle Pay

View details

Save on payment tax

Some regions add VAT on top of every card payment. Pick a card from a lower-tax region and keep more of what you spend.

Fees & pricing

Clear and simple — the card load fee and the per-transaction fee are separate, with no hidden costs.

Card load fee

Charged when you move money from your wallet onto a card.

0.35USDT

Per-transaction fee

Charged on every payment you make with the card.

from9.99USDT

Card issuance fee

Depends on the card you choose — the exact fee for each card is shown above.

For businesses

We don’t charge businesses any extra fee — exactly the same rates apply. Need a dedicated solution? Get in touch.

Rates may be updated from time to time; the final rate is always shown in the app before you pay.

How to pay for Substack with a Mehbit card

Issue a Mehbit virtual debit Mastercard, top it up with USDT, then subscribe to the publication on substack.com and pay by card.

Step 01
Sign up for Mehbit
Create an account in the web app or Telegram miniapp.
Step 02
Top up with USDT or USDC
Fund your Mehbit wallet with USDT or USDC.
Step 03
Issue a virtual card
Issue a Mehbit Mastercard in about 5 minutes and load it from your wallet.
Step 04
Pay at the service
Enter the card details at the merchant's payment step.

Card issued in 5 minutesSupport 7 days a week if anything goes wrong

Substack payment FAQ

Can I pay for a Substack subscription with a virtual card?

Yes, we tested it with a real Mehbit card. Top up a Mehbit virtual debit Mastercard with USDT and subscribe on the publication’s page.

How much does a Substack subscription cost?

It depends on the publication. Each creator sets their own price, and it can differ from one publication to the next.

Can I get a refund from Substack?

Refunds are generally at the creator’s discretion. Substack handles the request under its refund policy.

What if my local bank card is declined by Substack?

Cards from countries with limited international payments are often refused. A Mehbit virtual Mastercard funded with USDT is a working alternative.

Tips for paying Substack

Subscribe on the web rather than inside the mobile app, so the charge goes to your card and not to an app store account.

Keep enough on the card for every publication you follow: each one renews separately.

Read the free posts first to check a publication is worth paying for.

Payable with Mehbit virtual cards.

View cards