Guides
How to actually spend stablecoins
Specific problems with specific fixes. Why a $0 charge fails on an empty card, which deposit network to pick, how to keep a hosting bill from suspending a server. No listicles.
Why a $0 charge declines your card
Pre-authorisation is the reason a working card fails at checkout on a payment of nothing at all. Here's the mechanism, and the one-line fix.
TRC20, BEP20, ERC20 or Base: picking the cheap route
Four networks, meaningfully different costs, and one mistake that loses your deposit permanently. A practical guide to choosing.
Paying for ChatGPT and Claude when your bank says no
AI subscriptions bill through US processors that quietly decline half the world. Why it happens, and what actually gets around it.
Stop a hosting invoice from taking down your server
A declined card at Hetzner is not a billing problem, it is an outage. How to make infrastructure payments boring again.
What “no KYC” actually means on a crypto card
The phrase gets used loosely and sometimes dishonestly. Here is what it means on MPay specifically, including where it stops.
Your card got declined. Work through this list.
Six causes, in the order worth checking. Most declines are one of the first two and take under a minute to fix.
How to tell the real MPay from a clone
MPay has publicly warned that fake sites are copying their content. The tells are consistent once you know them.
Making referral income that does not dry up
MPay pays on card issuance and on every top-up after it. The second half is where the actual money is, and it changes who you should be talking to.