Virtual Credit Card Platform Summary

Updated June 25, 2025: It has been confirmed that the platform’s executives are in police custody. Updated June 19, 2025: Some netizens report that Peach Bear’s customer service is currently unreachable, raising suspicions that the platform has gone under. Some users claim that their top-ups have not been credited for an extended period, therefore, VirtualCardX recommends temporarily refraining from making payments to Peach Bear. As a cross-border e-commerce professional, I deal with multiple overseas platforms on a daily basis—from store rent and advertising to shipping costs—and the efficiency and stability of the payment process are crucial.

As someone working in international trade, cross-border payments have always been an unavoidable pain point in the business process—high fees, cumbersome verification processes, the inconvenience of switching between multiple currencies, and even the loss of customers due to failed payments. I recently tried out a virtual credit card platform called 4399Pay. I was impressed by its ultra-low fees and efficient service, so I’d like to share my hands-on experience here.

Review of Letspay, a KYC-free virtual credit card platform: an introduction to U-Card features, USDT deposits, Alipay transfers, account registration, and usage risks.

I discovered this platform in the comments section on Zhihu. People from Fujian have set up quite a few virtual credit card platforms. Website: The domain was registered in March 2024, so it’s a new platform. Contact information: This is the only contact method listed on the website—it feels a bit sketchy... I. Features and Functions​ Wide selection of card ranges ​ CardKing.