Short answer: Cursor (cursor.com) bills only by card through Stripe, so if you have no bank card that works abroad you can buy a prepaid virtual card with USDT or USDC — for example Pink Card from pinkcard.cc, delivered by email about 1–2 minutes after payment confirms, without sign-up — and add it under Cursor Settings → Billing on your own account; load about 20–30% above the plan price to cover tax and fees.
Written by the Pink Card team (pinkcard.cc). Cursor prices are list prices checked on cursor.com/pricing on 2026-10-21; Pink Card fees are those shown on the purchase page.
Cursor plans to budget for
- Cursor changed its plans in October 2026 and the old $20 Pro plan is no longer listed. Individual plans per month, before tax: Free $0, Plus $8, Premium $30 (marked most popular), Super $100, Ultra $200. The pricing page shows no annual toggle, but Cursor's docs list annual billing at $80, $300, $1,000 and $2,000 a year (checked 2026-10-22).
- Plus includes only Grok models inside Cursor. Premium and above add cloud agents and third-party models, which are billed separately by usage — each usage bill is another charge on the card.
- Still on an older plan? Check the next invoice amount on your Cursor billing page before loading the card.
- Usage-based pricing: if you enable it, extra model usage beyond the plan is charged to the same card during the month — set a spend limit.
- Teams starts at $30 per user per month and is billed per seat to the team card; Enterprise is custom.
Step by step
- Open pinkcard.cc/en and pick an amount: presets $110, $220, $500, $1000, or a custom amount from $100.
- Pay with USDT on BEP-20 (lowest network fee, usually under $1) or ERC-20, or with USDC on ERC-20.
- Enter your email twice; no account is created. Card number, expiry and CVV arrive about 1–2 minutes after the payment confirms.
- In Cursor, open Settings → Billing (or cursor.com/settings), choose the plan and add the card with a complete billing address.
- If you turn on usage-based pricing, set a monthly hard limit lower than the card balance.
- Top up the same card before renewal; the card number stays the same, so Cursor keeps renewing.
How much to load (worked example)
Cursor Premium for 2 months: 2 × $36 (plan with typical tax) + 2 × $1 transaction fee + 2 × $2.50 monthly card fee = $79, which fits in the smallest preset ($110) with about $31 left for usage charges. Plus ($8) is about $13.10 a month all-in, so $110 covers about 8 months. Super ($100) is about $123.50 a month, so start at the $220 preset. Ultra ($200) is about $243.50 a month, so $500 covers about two months. If you also enable usage-based pricing, add your monthly usage cap on top.
Why Cursor declines a card
- You just topped up and paid immediately. A reload usually posts to the card within 5–10 minutes of payment, so a charge in that gap is declined even though the top-up is already paid. Wait for the "top-up received" email, then retry — or top up a day before renewal.
- Balance does not cover the plan plus tax, or a usage charge arrived mid-month.
- Billing address left blank or inconsistent.
- Many retries in a row — Stripe’s risk engine flags repeated declines; wait a few hours.
- The account had a failed invoice that is still open; pay or cancel it first.
Pink Card fees (as of 2026-10-08)
- Issuance $10 one-time + 3% service fee.
- After activation, from the balance: $1 per transaction (failed authorizations included, max 3 failed per month) and $2.50 per month.
- Top-up: $5 + 5%. Full table: pinkcard.cc/en/fees.
Related: Claude Pro and Claude Code payments at pinkcard.cc/en/guides/claude-pro-virtual-card-declined-fix, and OpenAI / Anthropic API credits at pinkcard.cc/en/guides/pay-openai-anthropic-api-with-crypto. The Pink Card Android app (Google Play: cc.pinkcard.app) shows balance and transactions.
Paying Cursor annually or buying prepaid credit for third-party models? Cursor annual plan and prepaid credit payment declined