Manual v2.04

Documentation

A complete guide to buying anonymous virtual cards and crypto top-ups — no KYC, no signup, delivered in minutes.

What ZeroTax.CC is

ZeroTax.CC is a no-KYC shop for virtual cards and crypto top-ups. You pick a product — a Visa/Mastercard virtual card, a PayPal account top-up or a Binance gift card — choose a USD value, pay in crypto, and receive a redeem link. No account, no ID, no bank connection.

Visa and Mastercard are single-load prepaid virtual cards issued by upstream providers. PayPal and Binance are balance credits delivered to the email or account you provide. We broker the order and hand you the credentials or confirmation as soon as the issuer confirms the load.

Which products you can buy

My Prepaid Center Visa Card

Visa

Virtual card with 16-digit number, expiry and CVV. Works online and in mobile wallets. Min $5, max $1,000.

Swype Mastercard

Mastercard

Virtual card with 16-digit number, expiry and CVV. Min $5, max $499.

PayPal Account Balance

PayPal

Balance credited to the PayPal email address you provide. No card number. Min $5, max $1,000.

Binance Gift Card

Binance

Redeemable Binance gift card code sent to your email. No card number. Min $5, max $500.

Live availability and min/max amounts are shown in the shop. If a product is out of stock it's hidden or disabled — try again later or pick another brand.

From click to delivery in 4 steps

Configure your order

Choose a product — Visa/Mastercard card, PayPal top-up or Binance gift card — enter the USD value, and give an email address. For PayPal, also enter the recipient PayPal email. Solve the one-second ALTCHA proof-of-work — no accounts, no tracking.

Get a payment address

We generate a unique deposit address, a QR code and the exact crypto amount to send. You have 10 minutes before the quote expires — network rates move, so we can't hold prices longer.

Send crypto

Send the exact amount from any wallet. The page polls the issuer every 15 seconds and flips to "paid" the moment your transaction confirms on-chain.

Receive your order

Once the issuer confirms the load (usually 1–5 minutes after confirmation) we show the redeem link on-screen and email a copy to the address you entered. For cards, the link contains your card credentials. For PayPal/Binance, the link contains the credit confirmation or gift card code.

Supported coins & networks

Default is USDT on Polygon (fast, low fees, stable price). We also support:

USDT

Polygon (default) — ~5 sec confirmation, cents in fees

USDC

Polygon — same network characteristics as USDT

BTC

Bitcoin mainnet — slowest, 1 confirmation required

ETH

Ethereum mainnet — variable gas, use only if you already hold ETH

XMR

Monero — private by default, ~2 min per block

SOL

Solana — fast and cheap

The amount displayed on the payment page is the total you must send, including our fee and network buffer. Sending less will fail the order. Sending more than the quoted amount is not automatically refunded — the issuer only accepts the exact quoted amount, so any overpayment may be lost. Always send the exact figure shown.

Important: use the payment address only once, only for the coin/network shown, and only within the 10-minute window. Deposits sent after the window expires, or to the wrong network, are not recoverable and funds are lost.

How you receive your order

After payment confirms, the issuer needs a moment to load funds or issue the credit. You'll see two status indicators on the payment page:

payment_status

unpaid → paid once the tx confirms

card_issuer_status

pending → completed when the order is ready

When both are green, a redeem link appears. Click it to see the full card number, expiry date and CVC (for Visa/Mastercard) or the PayPal/Binance credit confirmation. The same link is emailed to you. Treat it like a bearer token — anyone with it can spend the balance.

What you actually pay

Order value

$5 – $1,000 (Mastercard capped at $499, Binance capped at $500)

Mastercard total markup

12.54% all-in (6.74% issuer + our margin, compounded)

PayPal / Binance total markup

15.39% all-in (9.45% issuer + our margin, compounded)

Visa fee

Currently unavailable — fee will be listed when stock returns

Network fee

Whatever the chain charges you to send

Quote validity

10 minutes from order creation

Delivery time

Typically 1–5 minutes after on-chain confirmation

The price you see at checkout is the face value plus the upstream issuer fee and our service margin. Because our margin is applied on top of the issuer's marked-up price (not on the raw face value), the true all-in rate is slightly higher than the two percentages added together. Mastercard is cheaper to issue than PayPal or Binance, so its all-in markup is lower. Everything is already included in the crypto amount on the payment page — no hidden charges after you send.

Mastercard

12.54% all-in

$50$56.27 total

$100$112.54 total

$499 (max)$561.56 total

Total markup: 12.54%

PayPal / Binance

15.39% all-in

$50$57.70 total

$100$115.39 total

$500$576.95 total

Total markup: 15.39%

There are no monthly fees, no reload fees, and no dormancy fees. Virtual cards are single-load: once the balance is spent, the card is closed.

Interactive

Fee calculator

Order value (USD)

Face value

$100.00

Provider fee

$6.74

Service margin

$5.80

Total due (12.5%)

$112.54

The total is shown in crypto at checkout. The exact amount depends on the live exchange rate at the moment you place the order. Network fees are paid by you when sending from your wallet.

If something goes wrong

I sent crypto but the page still shows unpaid.

Wait for at least 1 network confirmation — on Bitcoin this can take 10+ minutes. If your tx is confirmed on a block explorer and the page still shows unpaid after 30 minutes, contact support with the transaction hash and your redeem_id.

The 10-minute timer expired before I paid.

Don't send anything to an expired address. Start a new order in the shop — you'll get a fresh address and a new quote.

I sent the wrong amount or wrong coin.

Deposits sent to the wrong network or the wrong coin are not recoverable and funds are lost. Always double-check the network shown on the payment page. If you send the wrong amount, your order may not be fulfilled — contact support with the transaction hash and your redeem_id.

My card was declined at a merchant.

Try a different merchant first. Prepaid VCCs are commonly blocked by rideshare, streaming and airline sites — that's not a fault with the card. Balance and expiry can be verified via the redeem link.

I lost my redeem link.

If you used the same email consistently, request a magic link at /auth and open the order from the panel. If you used a throwaway email you no longer control, the credentials or top-up code are unrecoverable.

Frequently asked questions

Do I really not need to verify my identity?

Correct. No ID, no selfie, no address proof. The upstream issuer treats each virtual card as a one-time prepaid instrument, and PayPal/Binance top-ups are handled as balance credits, so KYC is not required.

Can I get a refund?

Once the order is issued (redeem link generated), the balance is already loaded or credited and the order cannot be reversed. If you don't pay within the 10-minute window, nothing is issued and nothing is charged — but any crypto you did send to the address after expiry, or on the wrong network/coin, is not recoverable. Send only the exact quoted amount, on the exact network shown, within the timer.

Can I add the card to Apple Pay or Google Pay?

Yes — for Visa and Mastercard only. Open Apple Wallet or Google Wallet, tap "Add card", and enter the number, expiry and CVC from your redeem link. Some regions or prepaid programs may reject tokenization — direct online use always works.

What is the difference between a card and a top-up?

Visa and Mastercard are virtual cards with a 16-digit number, expiry and CVV. PayPal is a balance credit to the PayPal email you provide; Binance is a redeemable gift card code. No card number is issued for PayPal or Binance.

Where can I spend the card?

Most online merchants worldwide accept Visa/Mastercard VCCs. Some merchants (rideshare, streaming, airlines) block prepaid cards — that's a merchant policy, not the issuer. 3-D Secure (SCA) is not supported, so avoid merchants that force it. Cards are USD; FX is at the merchant's rate with no extra issuer fee.

Do I need an account?

No. Checkout is guest-only. To keep your order history in one place you have two options: request a magic link at /auth with the email you checked out with, or check out fully anonymously with an access key and open /vault. Either way: no password, no signup.

Can I order without giving an email?

Yes. Pick “Anonymous key” at checkout and we generate a 256-bit private access key (ztx_…) instead of collecting an email. It is displayed exactly once. We store only a peppered SHA-256 hash of it, so it cannot be reset, emailed or recovered by us or by anyone who reads the database — lose the key and the order history behind it is gone (save your redeem links separately). Reuse the same key at checkout to keep all orders under one vault. Key lookups are bot-checked and rate-limited per IP.

What do you store about me?

Only email (or, in anonymous mode, a placeholder address and a key hash), provider, USD amount, deposit address, redeem link and timestamps. No trackers, no analytics cookies, no fingerprinting. Bot protection uses ALTCHA proof-of-work — no Cloudflare, no Google, no third-party cookies.

Ready when you are

Buy your first card or top-up

Pick a product, pay in crypto, receive the details in minutes.

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