ChatGPT, Claude and Midjourney don't take Monero. They only take cards. But you can pay for all three with Monero using one virtual card. Fill the card with XMR, then add it to each service. This guide shows you how.
Key takeaways
- ChatGPT, Claude and Midjourney don't accept Monero, but they do accept a virtual Visa card.
- One card can pay for all three, so you only pay one $10 monthly card fee.
- Deposit XMR early. It takes about 20 minutes to confirm.
Why pay with Monero?
- Private by design. Monero keeps who sent a payment, who got it and how much private on its network.
- No bank in the middle. You fill the card with crypto, so your bank never sees what you buy.
- The store sees a normal card. It gets a Visa payment with the card's alias name, not your real name.
Prices at a glance
These are the main US dollar prices at the time of writing. Prices can change and tax may be added, so check each service before you add money to your card.
| Service | Plan | Price |
|---|---|---|
| ChatGPT | Plus | $20 a month |
| Claude | Pro (includes Claude Code) | $20 a month |
| Midjourney | Basic to Mega | $10 to $120 a month |
Official pricing: ChatGPT, Claude and Midjourney.
Step by step: pay for AI tools with Monero
- Make an account. Sign up and open your dashboard.
- Deposit Monero. Choose Deposit, then pick Monero (XMR). The invoice shows an address and the exact amount to send. Send that amount from your Monero wallet before the invoice runs out.
- Wait for confirmations. Monero needs 10 network confirmations. This usually takes about 20 minutes. Then the money shows in your wallet.
- Make a card. Go to Cards and make a Shield 3DS Card.
- Put money on the card. Add enough for every plan you want, plus a few dollars.
- Add the card. Open the billing or subscription page in ChatGPT, Claude or Midjourney. Type in the card number, expiry date and CVV. For the billing address, copy the one from your card page exactly.
- Enter the security code if asked. Some payments ask for a one-time code (this is called 3D Secure). Go to your card page. You will find the 3DS password and the latest one-time code there. Type the code in before it expires.
- Repeat for each tool. Use the same card for all of them.
Want more detail for one tool? Read our guides for ChatGPT Plus, Claude and Midjourney.
What it costs
| What | Cost |
|---|---|
| Deposit Monero | Shown on the invoice before you pay |
| Make a new card | $12.50, once |
| Monthly card fee | $10 per card, taken from your wallet |
| Add money to a card | 9.5% + $3 each time |
| Payments under 30 EUR | $0.87 per payment |
| Declined payment | $0.87 |
| Take money off a card | $1 or 1% |
| Limit per payment | Up to $5,000 |
| Daily or monthly limit | No limit |
Example: say you pay $20 for ChatGPT Plus. You add $25 to the card. The top-up fee is 9.5% of $25 ($2.38) plus $3, so $5.38. The payment is under 30 EUR, so there is also a $0.87 payment fee. You always see the exact fees before you confirm anything.
Running all three tools on one card means one $10 monthly card fee instead of three.
How to keep it working
- Deposit early. Monero takes about 20 minutes to confirm. Don't wait until the day a payment is due.
- Keep a little extra on the card. A few dollars more than you plan to spend is enough.
- Note each renewal date. The tools renew on different days, so keep enough on the card for whichever comes next.
- Keep money in your wallet for the monthly card fee. If your wallet can't pay the $10 when it's due, the card is closed for good. Any money left on it goes back to your wallet.
Frequently asked questions
How long does a Monero deposit take?
Usually about 20 minutes. Monero needs 10 network confirmations before the money shows in your wallet.
What if I send the wrong amount of Monero?
Always send the exact amount the invoice shows. If you send too little, the deposit may not finish. Contact support with your transaction ID and we will help.
Can I pay for ChatGPT with Monero?
Not directly. OpenAI takes cards. Fill a HideTap virtual card with XMR and pay with the card.
Can one card pay for several AI tools?
Yes. Add the same card to each service. You only pay one $10 monthly card fee.
Does Claude Pro include Claude Code?
Yes. Claude Pro and Claude Max both include Claude Code.
Why was my payment declined?
Usually the card doesn't have enough money, the billing address doesn't match your card page, or the security code ran out of time. Fix it and try again.
Get started
Make a HideTap account, deposit Monero and make one card for all your AI tools. New to this? Read how to buy a virtual card with Monero.
