How to get ChatGPT Plus without a credit card
Updated 2026-10-26
Five options compared
| Option | Card needed? | What to know |
|---|---|---|
| In-app purchase (App Store / Google Play) | Not always | Paid from your Apple ID or Google Play balance or payment method; store gift cards can top up the balance in many countries. Price is shown in the app. |
| PayPal on chatgpt.com | Depends | Only offered in some regions; you'll see it at checkout if it's available to you. Your PayPal account still needs a funding source. |
| OpenAI gift card | No (for the recipient) | A USD stored-value card sold through authorized retailers. It can only be redeemed on US-based ChatGPT accounts. |
| Prepaid or virtual cards | No physical card | Often declined. Some require ID checks, and refunds are hard if something goes wrong. We wouldn't recommend this first. |
| Top-up through Yaoyao | No | ¥129 CNY via Alipay, WeChat Pay or a manual arrangement; activated on your own account; doesn't auto-renew; not an official channel. |
Sources: OpenAI help article "Buying and redeeming OpenAI gift cards" (help.openai.com, article 20001491) and public coverage, checked 2026-10-26. What appears at checkout depends on your country, so check chatgpt.com yourself.
Can I buy ChatGPT Plus with crypto?
OpenAI's checkout doesn't list crypto as a payment method. Some third-party sellers take USDT. If you go that way, ask whether they activate your own account or hand you a shared or pre-made one, which you don't control. Yaoyao's shop doesn't accept crypto either. The checkout takes Alipay and WeChat Pay in CNY only, and if you can't use those, Yaoyao will tell you on WeChat which payment method is available at the time.
ChatGPT Plus price in Malaysia and Singapore
Malaysia got local pricing in October 2025: ChatGPT Plus at RM99.90/month and ChatGPT Go at RM38.99/month (Malay Mail, 9 October 2025). In Singapore and most other places, the list price is USD 20/month plus any local tax. The checkout page shows the current price for your account.
Through Yaoyao, Plus is ¥129 CNY, about MYR 79 or SGD 25 at 2026-10-26 rates. That's below the Malaysian list price, but it doesn't renew automatically and it isn't an official channel. Weigh that against the saving.
Prices through Yaoyao
| Plan | Price (CNY) | ≈ USD | ≈ MYR | ≈ SGD |
|---|---|---|---|---|
| ChatGPT Plus, 1 monthCard code sent right after payment; self-activation | ¥129 | 19 | 79 | 25 |
| ChatGPT Plus, 12 monthsManual activation | ¥1,548 | 232 | 943 | 296 |
| ChatGPT Pro 5X, 1 monthManual activation | ¥699 | 105 | 426 | 134 |
| ChatGPT Pro 10X, 1 monthManual activation | ¥1,399 | 210 | 852 | 268 |
| ChatGPT Pro 25X, 1 monthManual activation | ¥3,499 | 524 | 2,131 | 670 |
| Claude Pro, 1 monthManual activation | ¥159 | 24 | 97 | 30 |
| Claude Max 5X, 1 monthManual activation | ¥900 | 135 | 548 | 172 |
| Claude Max 20X, 1 monthManual activation | ¥1,800 | 270 | 1,096 | 345 |
| Grok Premium, 1 month (formerly SuperGrok)Manual activation; free accounts that show Grok's official 50% offer only | ¥159 | 24 | 97 | 30 |
| Gemini Pro, 18 monthsSend your order number to Yaoyao on WeChat; manual activation | ¥99 | 15 | 60 | 19 |
You pay in CNY; the amount on the checkout page is final. USD, MYR and SGD are rough conversions (rates from open.er-api.com on 2026-10-26: ¥1 ≈ USD 0.150 ≈ MYR 0.61 ≈ SGD 0.19). What you actually pay also depends on the exchange rate and fees charged by Alipay, WeChat Pay or your bank. Returning customers get ¥5 off automatically.
Activating ChatGPT Plus with a card code
- Order: buy ChatGPT Plus, 1 month (the page is in Chinese; your browser can translate it). Enter an email you check.
- Get the code: it appears on the page right after payment and is also emailed to you.
- Paste your session: open cz.yaoyao.chat and enter the code. Then, in a browser where you're logged in to ChatGPT, open chatgpt.com/api/auth/session, copy the whole text and paste it in. No password or verification code.
- Wait 1–3 minutes: in the last 30 days, 333 self-activations succeeded; half within 2 minutes and 90% within 3 (2026-10-27).
Keep logging in from the same country you normally use, and don't hop between VPN locations. If your account already has an active Plus subscription, wait until it ends; the code doesn't expire.
Payment
The checkout page takes two payment methods: Alipay QR and WeChat Pay QR, in CNY. You can't enter a credit card at checkout, and we don't take PayPal or crypto there.
| Option | How | What to expect |
|---|---|---|
| Alipay with a non-Chinese phone number | Sign up for Alipay with your own phone number, add a Visa or Mastercard, and scan the checkout QR code | Not guaranteed: payments to personal QR codes and small payments are often declined. Payments over ¥200 carry a fee of about 3%, as shown in the app. |
| WeChat Pay with a foreign card | Add a Visa or Mastercard in WeChat Pay | Paying merchants usually works; paying personal QR codes may not. Same fee rule as above. |
| Order first, then ask Yaoyao | Place the order to get an order number, then message Yaoyao on WeChat with the order number and your country | Yaoyao tells you which payment method is available at the time. Activation follows as usual once paid. This waits for a human reply, so it isn't instant. |
Whether the first two work depends on Alipay's and WeChat Pay's risk checks and on the type of QR code, so we can't promise they will. If one attempt fails, don't keep retrying; use the third option. Full guide (Chinese): how overseas buyers pay.
After-sales rules
- Activation failed: the card code is not used up and is returned automatically, so you can retry. If you'd rather not, ask Yaoyao on WeChat for a refund. For manually activated plans, we either try again or refund you.
- Membership dropped after a successful activation (within the paid period the subscription is revoked and the account goes back to Free): send the order number and a screenshot, and one more month is added to the same account.
- Account banned or deactivated: not covered and not refunded. For ChatGPT, we can help you register a new account. For Claude, we help with an appeal through Anthropic's official channel; the outcome is up to Anthropic.
These rules apply to every product in the shop; anything written on a product page takes precedence. Full rules (Chinese): after-sales and warranty. Because you didn't pay OpenAI or Anthropic yourself, they can't refund a topped-up subscription; contact Yaoyao instead.
FAQ
Can I get ChatGPT Plus without a credit card?
Yes. You can subscribe in the iPhone or Android app using your Apple ID or Google Play balance, use PayPal where chatgpt.com offers it, or have the plan activated on your own account through a top-up service such as Yaoyao AI Trainer, paid with Alipay or WeChat Pay.
Can I pay for ChatGPT Plus with PayPal?
On chatgpt.com, PayPal shows up at checkout only in some regions. Yaoyao's shop doesn't take PayPal; it takes Alipay and WeChat Pay, with a manual option on WeChat if neither works for you.
Can I buy ChatGPT Plus with crypto or USDT?
Not from OpenAI's own checkout, and not from Yaoyao's shop. If a third-party seller takes crypto, check whether the plan goes on your own account or whether you're getting a shared or pre-made account.
How much is ChatGPT Plus in Malaysia?
The official local price was RM99.90 per month at the October 2025 launch; your checkout page shows the current price. Through Yaoyao it's ¥129 CNY, about MYR 79 at 2026-10-26 rates.
Will I get my own account, or a shared one?
Your own. Plus is activated on the ChatGPT account you already use, so your history stays. Nothing is shared with anyone else.
Does it renew automatically?
No. It ends after one month. Buy a new code when you want another month.
Contact Yaoyao
After-sales, payment questions and order status are handled by Yaoyao herself on WeChat. Anyone who messages you first claiming to be our "support" or "assistant" is not us, and we never need your password.