This tutorial will guide you on how to top up your MPCard through the MPChat app and successfully pay for your Midjourney membership subscription.
✅ Preparation
A Midjourney Account: Successfully registered and accessible via Discord.
Stable Network Environment: It is recommended to use a network node in the target region (e.g., the United States).
MPChat App: Please download the latest version from the official app stores:
USDT Assets: Used to top up your MPChat wallet.
Tip: The monthly fee for the Midjourney Basic Plan is $10, and the Standard Plan is $30. It is recommended to prepare at least 40 USDT (equivalent).
🛠️ Step-by-Step Instructions
Step 1: Prepare Funds in MPChat
Deposit USDT: On the "Wallet" page of the MPChat app, use the "Deposit" function to transfer USDT from an external wallet or exchange.
Apply for MPCard: Go to the "MPCard" section and click "Apply for New Card." Key: Please select "United States" as the card issuing country (this region has the highest compatibility with Midjourney's payment system).
Transfer Funds: Use the "Transfer" function to move USDT from your MP Wallet to your MPCard. It is recommended to top up $30-40.
Step 2: Access Midjourney Account Center
Visit the official Midjourney Account Center in your browser: https://www.midjourney.com/account/.
Log in using your Discord account.
Step 3: Select and Subscribe to a Plan
After logging in, you will see the available subscription plans (e.g., Basic, Standard, Pro).
Select your desired plan (e.g., Standard Plan) and billing cycle (Monthly/Yearly).
Click the "Subscribe" button.
Step 4: Fill in Payment Information
The payment page is provided by Midjourney's payment processor (e.g., Stripe).
Accurately fill in your MPCard information and billing details in the form:
Card number: Your MPMasterCard virtual card number.Expiration date / CVC: Expiry date and security code.Name on card: Recommended to use your name in Pinyin or an English name.
Billing Address: Use an online tool to generate a realistic and valid U.S. address. Ensure the ZIP Code, State, and City information all match correctly. This is the key to passing verification.
Step 5: Complete Payment
After confirming the information is correct, submit the payment. The system will perform a small verification hold (usually refunded immediately).
Once the payment is successful, your Midjourney account will be upgraded immediately, and you can see your subscription status and next renewal date in the Account Center.
❓ Frequently Asked Questions (FAQ)
Q1: What should I do if I get a "Payment failed" message or the card is declined?
Check Card Country: Ensure you selected the United States as the issuing country when applying for your MPCard. This is the most common reason.
Check Billing Address: Ensure the U.S. address provided is real and valid, passing basic verification.
Check Balance: Ensure the balance in your MPCard is sufficient to cover the subscription fee and the small verification hold.
Try Changing IP: Sometimes using a cleaner U.S. residential IP can increase the success rate.
Q2: How do I manage (e.g., cancel) my membership after subscribing? Midjourney subscription management is very convenient. You can log in to the Midjourney Account Center at any time and find the "Cancel Subscription" option in your plan details. After cancellation, your membership benefits will continue until the end of the current billing cycle.
Q3: Can I use an annual subscription? Yes. On the payment page, you can choose between Monthly or Yearly billing. Annual subscriptions usually offer a discount. The payment process is identical; simply transfer enough funds to your MPCard at once.
Q4: How long does it take for membership benefits to take effect after successful payment? Usually, it takes effect immediately. After a successful payment, please refresh the Midjourney Account Center page to see your updated status. Then return to the Discord server to enjoy membership benefits such as faster Fast Mode and private generation.
💡 Summary and Tips
Card Region is Central: Midjourney's payment system has a clear preference for card issuing regions. Selecting "United States" greatly increases the success rate.
Pay Directly on Official Website: No need to upgrade via Discord bot commands; operate directly in the Midjourney official Account Center for a clearer process and easier management.
Unified MPChat Workflow: The "Deposit-Transfer-Payment" process is consistent with other services (e.g., OpenAI, Claude), making it easy for users to manage everything in one place.
Now you can follow the steps above to easily subscribe to Midjourney using your MPChat virtual card and start your AI art creation journey!