Coinepay | How to Pay for Recraft with a Virtual Card (Step-by-Step Guide)

Recraft is an AI image and vector design tool, and its paid plans are billed in US dollars through Stripe. If you want a dedicated card for this subscription, a Coinepay virtual card gives you an instant card number, expiry date and CVV you can use at checkout. This guide walks through what you need, how to subscribe, and what to do if the payment is declined.

Before you start

To pay for Recraft with a Coinepay virtual card, make sure you have the essentials in place first:

A verified Coinepay account. Register and complete identity verification (KYC) before you can use card services. You can sign up at the Coinepay registration page and manage everything from the iOS app or Android app.
A Coinepay virtual card with enough balance. Recraft subscriptions are priced in USD. Check your available balance in the Coinepay app before you confirm.
Your real billing details. Use the name and billing address that match your Coinepay account. Stripe may check these against the card.
A Recraft account. You can create one with email, Google, Discord or Apple. Email sign-in uses a one-time code rather than a password.

Services related to virtual assets are not available to residents of mainland China, and some services are not available in every jurisdiction. If you are unsure whether your card suits a particular purchase, contact Coinepay support first.

Recraft plans and prices

Recraft's documentation lists Free, Basic, Pro and Teams plans. Credits reset each billing cycle without rollover, while separately purchased top-up credits do not expire. Prices below were checked in October 2026 and are billed in US dollars; always confirm the current figure on Recraft's official pricing page before you pay, because offers can vary during tests and listed fees generally exclude applicable taxes.

Plan	Credits	Price (monthly / annual)
Free	Limited	No subscription charge
Basic	1,000 / month	US$12/mo, or US$10/mo billed annually (US$120/yr)
Pro	2,000–16,000 / month	From US$20/mo (US$16/mo annually) up to US$160/mo (US$128/mo annually)
Teams	2,000+ per member / month	From US$22/mo (US$18/mo annually) per seat

Teams is billed per seat, and the minimum seat count and some per-tier prices can change, so check the live checkout total before you confirm. Recraft's developer API is metered separately: prepaid API Units cost US$1 per 1,000 units and do not expire, but API Unit packages are non-refundable except where law requires or Recraft chooses otherwise.

Step-by-step: subscribe to Recraft with your Coinepay card

Create your virtual card in Coinepay. Open the Coinepay app or dashboard, issue a card and note the card number, expiry date and CVV. Top it up so the balance comfortably covers the USD plan price.
Sign in to Recraft. Go to Recraft's official site and log in (or sign up) with email, Google, Discord or Apple.
Open the upgrade flow. Select Upgrade, then Get started.
Choose your plan and credit allowance. Pick the plan and the monthly or annual billing option you want, then select Continue to payment.
Pay in the Stripe checkout window. Recraft processes payments through Stripe. Enter your Coinepay card number, expiry date and CVV, and the billing name and address that match your Coinepay account.
Complete any verification. If a 3-D Secure or one-time confirmation step appears, approve it in the Coinepay app.
Confirm and pay. Submit the payment. Upgrades take effect immediately with prorated billing, so your new credits should be available right away.

You can buy paid plans and top-up credits in Recraft's mobile app too, though the mobile checkout prices and payment methods may differ from the web.

Troubleshooting a declined card

If Stripe shows a message such as "Card is not accepted" or a nonspecific decline, work through the common causes below. These are general Stripe-side reasons rather than a diagnosis for every case.

Insufficient balance

The most frequent cause is not enough money on the card for the full USD charge plus any applicable taxes. Check your Coinepay balance, top up, and try again. Remember annual plans bill the whole year upfront.

Billing address or card detail mismatch

Stripe can decline if the billing name, address, card number, expiry or CVV do not match. Re-enter each field carefully using the real details tied to your Coinepay account. Do not use fake or generated addresses.

3-D Secure not completed

If an additional authentication prompt appears and times out or is dismissed, the payment fails. Keep the Coinepay app open and approve the confirmation promptly, then retry the checkout.

Merchant region checks

Recraft applies regional restrictions. A Recraft representative stated that payments and generations are not allowed for users in Russia and Belarus, and some issuers block cross-border purchases at foreign online stores. A complete current country list is not published, so if you believe your location is eligible but the charge still fails, the issuer may need to explain a nonspecific "do not honor" response.

Still declined?

Try these steps in order:

Confirm your Coinepay card is active and funded in the app.
Double-check the expiry date and CVV.
Wait a few minutes and retry, in case a temporary fraud check triggered.
Contact Coinepay support to confirm your card is suitable for this purchase, or reach out on Telegram.
For checkout behaviour on Recraft's side, contact Recraft at [email protected].

Managing, cancelling and refunds

For an individual account, find billing and invoice history under profile → Manage subscription → Manage billing details. Teams admins use Workspace → Manage subscription. To cancel, go to profile → Manage subscription → Cancel plan and confirm; access continues through the paid billing period, and cancelling alone does not refund amounts already billed.

Recraft may, at its discretion, refund a payment made within the last 30 days if no credits were used since that payment, or if fewer than 30 credits have been used over the account's lifetime. Request consideration at [email protected] before deleting the account; any refund goes back to the original payment method. Eligible consumers in the EU, EEA and UK may have a 14-day right to withdraw from a new subscription, subject to Recraft's checkout-consent and credit-use conditions. Recraft's terms were last updated in August 2026 and address price testing and renewal-price notice, so review them if your renewal amount changes.

Keep your card and funds under control

Because Coinepay lets you issue virtual cards and set custom spending limits, you can keep a dedicated card for your Recraft subscription and monitor charges from the 24/7 dashboard. If you later change plans, the proration is handled by Recraft and the new amount is billed to the same card. Check your balance before each renewal so the payment goes through smoothly.

Get your Coinepay virtual card: Sign up · App Store · Google Play · Customer support

FAQ

Which plan should I pick to start with Recraft?

The Basic plan gives 1,000 credits per month and was US$12/month (or US$10/month billed annually) at the time of writing in October 2026. Pro and Teams offer larger credit allowances. Confirm the current price on Recraft's official pricing page, since offers can vary and taxes may apply.

Does Recraft accept virtual cards?

Recraft states it accepts credit cards, debit cards and bank transfers through Stripe. The specific card networks it accepts are not published by Recraft, so contact Coinepay support to confirm your card is suitable for this purchase before you buy.

Why does Recraft show "Card is not accepted" at checkout?

This Stripe message can appear for several reasons: insufficient balance, mismatched billing details, an incomplete 3-D Secure step, a fraud check, or a regional restriction. Check your Coinepay balance and details, approve any confirmation in the app, and retry. If it persists, your card issuer may need to explain the decline.

Can I get a refund after subscribing to Recraft?

Recraft may discretionarily refund a payment made within the last 30 days if no credits were used since that payment, or if fewer than 30 credits were used over the account's lifetime. Email [email protected] before deleting your account; refunds return to the original payment method. EU/EEA/UK consumers may also have a 14-day withdrawal right.

Can I use a dedicated Coinepay card just for Recraft?

Yes. Coinepay lets you issue virtual cards and set custom spending limits, so you can keep one card for your Recraft subscription and track its charges from the Coinepay app or dashboard. Make sure it stays funded before each renewal.

How to Pay for Recraft with a Virtual Card (Step-by-Step Guide)