Check compatibility first
The purchase and merchant country must be permitted, and your service account must meet its rules. Universal is not suitable for ChatGPT or Claude; Universal+ is not suitable for OnlyFans or Patreon. Even a compatible service can decline an individual payment.
Where to find payment details
- In SafePay, select Show details. Open Card Details to view the number, expiry date and CVV.
- Open Billing and copy the cardholder name and address displayed for your card.
- Enter these details in the merchant’s secure checkout. The billing country must match the details displayed.
Universal is issued in Hong Kong; Universal+ in Singapore. A service’s account and legal address can have separate requirements: do not replace them with invented information.
Check the available balance
Purchases use the card balance. Universal has a 0% transaction fee; Universal+ has a 2% fee and SGD settlement while its balance is displayed in USD. Allow for conversion, taxes and any merchant verification hold. Check the current terms in the app before paying.
Confirm and check the result
- Keep checkout open. If the issuer requests 3D Secure, open SafePay and complete the confirmation shown.
- Wait for the merchant’s result and check the order or subscription. Do not submit another payment while the first is pending.