Wildcard Usage Questions Fully Answered ｜ Wildcard User Guide

In today's increasingly globalized world, more and more Chinese users wish to enjoy high-quality digital services and content subscriptions from overseas. However, the barriers to cross-border payments often make this simple demand fraught with difficulties. YeKa (formerly Wildcard) has emerged to break down this barrier, providing Chinese users with convenient, secure, and efficient overseas payment solutions. This article will comprehensively introduce YeKa's service philosophy, core functions, usage advantages, and future development, helping you gain a deeper understanding of this innovative platform that is changing the landscape of cross-border payments.

What is YeKa? From Wildcard to Localized Brand Upgrade#

Brand Origin and Transformation Journey#

YeKa was initially launched under the Wildcard brand, focusing on solving the pain points of overseas subscription payments for Chinese users. As the business developed further in the Chinese market, Wildcard officially upgraded to "YeKa" to better align with local user habits and convey a friendly, convenient brand image. This transformation is not just a change of name but also a localization of the brand philosophy.

The name "YeKa" combines the flexible and changeable concept of "Ye" with the payment tool "Ka," symbolizing the platform's ability to adapt to various cross-border payment scenarios, like a universal pass that helps users seamlessly access global digital services.

Core Business Model and Positioning#

YeKa's core business is to provide Chinese users with a one-stop overseas digital service subscription payment solution. The platform integrates global payment channels, building a bridge connecting Chinese users with international digital services, allowing users to easily subscribe to overseas software services like ChatGPT, Claude, Netflix, and Spotify using familiar domestic payment methods.

In terms of business positioning, YeKa is not just a payment tool but a comprehensive cross-border digital consumption platform that encompasses payment processing, subscription management, and membership benefits.

YeKa's Technical Advantages and Security Assurance#

Advanced Cross-Border Payment Technology Architecture#

YeKa adopts a leading cross-border payment technology architecture, achieving efficiency, stability, and security in the payment process. The platform's core technical advantages include:

RMB Support: YeKa supports domestic payment methods like Alipay for top-ups.
Intelligent Exchange Rate Optimization: By monitoring international exchange rate fluctuations in real-time, it uses a weighted average price based on the past two days' USD cash selling rates from the Bank of China to save users on currency conversion costs.
Payment Verification Acceleration: Optimizes the cross-border payment verification process, significantly reducing verification time and increasing payment success rates.

Comprehensive Security Assurance System#

In the field of cross-border payments, security is the primary concern for users. YeKa has established a comprehensive security assurance system to ensure the safety and reliability of every transaction:

Bank-Level Data Encryption: Utilizes bank-level data encryption technology to protect users' payment information and personal data.
Real-Time Risk Control Monitoring: Establishes a real-time risk control monitoring system, with SMS notifications for every transaction, allowing users to view all consumption information on the website.
Compliance Operation Assurance: Strictly adheres to domestic and international payment regulatory requirements, operating legally and compliantly to provide users with long-term stable services.
Multi-Factor Authentication: Supports multi-factor authentication technology to ensure account security and prevent unauthorized access.

YeKa's Service Advantages and User Experience#

Barrier-Free Overseas Service Subscription Experience#

YeKa's greatest value lies in thoroughly solving the pain points of Chinese users subscribing to overseas digital services, creating a barrier-free subscription experience:

One-Click Subscription: Users only need to select the target service on the YeKa platform, fill in the necessary information, and complete the subscription with one click, without having to deal with complex cross-border payment issues themselves.
Localized Payment Methods: Supports familiar payment methods for Chinese users, such as Alipay, without the need for overseas credit cards.
Unified Management Platform: Users can manage all overseas subscription services in one place on the YeKa platform, clearly viewing consumption records, renewal times, and billing details.

Value-Added Services Beyond Payments#

YeKa not only provides basic payment services but also extends multiple value-added services to enhance the user experience comprehensively:

Localized Customer Support: Offers fully Chinese customer support services, allowing users to obtain timely assistance through various channels such as online customer service, Telegram, and email.
Cross-Border Service Assistance: Provides services like overseas phone numbers and OpenAI API network forwarding to help users better utilize overseas services.

Service Categories and Platform Coverage of YeKa#

Comprehensive Coverage of Mainstream Digital Service Categories#

The YeKa platform supports various types of overseas digital service subscriptions, with a wide coverage range:

Streaming Entertainment: Global popular video and music streaming services like Netflix and Spotify.
AI Productivity Tools: Overseas AI models and software services such as ChatGPT, Claude, Gemini, Cursor, Windsurf, and Notion.
Cloud Storage Services: Cloud storage expansion services like Amazon and Cloudflare.
Professional Software Services: Subscriptions for various SaaS software in professional fields such as design and development.

Registration and Real-Name Verification#

The first step to using YeKa is to register an account and complete real-name verification:

Visit YeKa Official Website .
Register and log in using your mobile number, supporting mainland and Hong Kong/Macau regions.

Choose a Service Package#

After completing registration, users go to subscribe to services and activate the YeKa membership package:

Confirm the subscription plan (monthly, yearly, two-year, etc.).
Complete real-name verification as guided by the platform to ensure account security and compliant usage.
Set a payment password to enhance account security.
Use Alipay to pay and complete the membership activation.

Once YeKa is successfully activated, users can conveniently subscribe to and pay for overseas software services on the YeKa platform:

View supported subscription services on the "My Cards" page.
Select the overseas product you wish to subscribe to; if it's not on the list, you can choose "Other" or consult customer service to check if it's supported.
Pre-charge the subscription fee using Alipay.
Follow the tutorial instructions to complete the subscription or payment for the corresponding overseas service.

Frequently Asked Questions#

How does YeKa charge?#

YeKa membership can be activated for either 1 year or 2 years.

1 Year: $11.99
2 Years: $16.99

Transaction fees are 0%, but there is a 1% + $0.3 transaction fee for non-U.S. merchants/non-USD transactions, such as spending in GBP or other currencies.

The top-up fee is 3.5%, and any unspent portion can be refunded to your Alipay in real-time, with no fees.

If you make a purchase using YeKa and the merchant initiates a refund, it generally takes 14-21 business days for the refund to be processed, and a 2% fee will be charged for the refund.

When binding a card, the binding platform typically performs a small charge verification and then reverses that charge. During the reversal, a $1 reversal fee will be incurred; if the charge is less than $1, no fee will be charged.

If the merchant reverses the transaction during the refund process, the same $1 transaction reversal fee will also apply.

Can I get an invoice?#

YeKa can provide standard international commercial invoices and receipts that can be reimbursed domestically.

The issuance entry is in the "Settings" in the upper right corner after logging in.

The generated receipt includes the card opening fee and the transaction fees incurred during the month.

If you want to issue a receipt for ChatGPT, please refer to the following tutorial on how to download a reimbursable receipt for ChatGPT Plus.

How long does it take for a refund?#

YeKa supports refunds to the card; if you negotiate a refund with the merchant, it generally takes 14 to 21 business days for the refund to be processed back to the card. A 2% fee will be charged for the refund.

We pull refund settlement files from the bank every hour, and if there is a refund, it will be processed immediately.

The payment systems in the U.S. and China are different; in China, everyone uses a central bank settlement system, while in the U.S., it goes through virtual card accounts, issuing banks, clearing banks, receiving banks, and receiving merchants. From the initiation of a refund by the receiving merchant, it takes at least 14 business days, and some customers may even experience a 30-day wait, so please understand.

Can I receive payments/transfers?#

You can only make purchases; receiving payments and transfers are not allowed.

Products supported by YeKa for consumption#

YeKa supports subscriptions for the following specific products:

ChatGPT OpenAI API Claude Google Apple Store
Poe Cursor Suno Midjourney Amazon
Github Facebook X/Twitter Adobe Perplexity
Openrouter Webshare Windsurf

Forced deductions#

If a negative balance occurs due to automatic renewal services not being canceled, the user must make up the difference.

What to do if the subscription fails?#

If you encounter a consumption failure, first check if there is a record of the transaction in YeKa's transaction history. If there is, it means the transaction was successfully pushed to the bank; you can find out the reason for the failure in the transaction details.

If there is no record, it means the transaction was directly intercepted.

If you are paying through a proxy/VPN and this proxy is used by many people, too many people using different cards under one IP is typical of hacker fraud behavior. Since once a hacker successfully consumes, the loss is borne by the payment institution, most of the time, the payment institution will intercept your consumption. The solution is to switch to a less crowded node or use a home network IP for the exit.

Alternatively, you can directly use in-app purchases through the Apple Store or Google Play to bypass this issue.

If the purchase was unsuccessful but the payment was deducted, will I get a refund?#

Yes, if you used YeKa and the payment failed, or if you attempted to upgrade to ChatGPT Plus and the charge was made but the upgrade did not occur.

Such charges and payment failures will be refunded back to the card. However, the process may be slow, generally taking about 14-28 days.

We pull refund settlement files from the bank every hour, and if there is a refund, it will be processed immediately.