OpenRouter is currently the best large-model API aggregator, offering the widest variety of models. It is highly rated among all major model providers, offering a wide variety, affordable pricing, and reliable performance.
What payment methods are accepted for purchasing OpenRouter credits?
OpenRouter currently primarily supports payments via credit and debit cards, including Visa, Mastercard, American Express, Discover, as well as localized payment methods in certain regions. Additionally, for enterprise users or specific use cases, OpenRouter offers options to top up balances or settle invoices through Stripe accounts. Cryptocurrency holders may also pay using the stablecoin USDC.

Can’t I use OpenRouter without a Mastercard or Visa card?
Of course not. If you do not have a Mastercard or Visa card issued by a bank, you can apply for a virtual credit card through a third-party virtual card provider to subscribe to OpenRouter.
For example, FotonCard is one such virtual card provider. For a detailed introduction and usage guide, please read: The Best Virtual Cards for Facebook Ads丨Advertising丨Affiliates Marketing – FotonCard。

FotonCard offers Mastercard and Visa virtual card BINs issued in several international regions, including the United States, Hong Kong, and Singapore. So how can you determine which card BIN will successfully process a paid subscription to OpenRouter?
On the FotonCard virtual card creation page, there is a “Confirmed Merchants” feature. You can enter a merchant keyword, such as “OpenRoute,” to check which card BINs have a history of successful payments. The query results are shown below:

According to the query results, successful payments on OpenRouter have been recorded using the following Mastercard virtual cards: 527375, 544923, 558325, 524897, and 553370. You may create these cards; however, we also recommend contacting FotonCard customer support for confirmation.
Sign up now for the FotonCard virtual card: https://dashboard.fotoncard.com/#/pages/register?agent=388832