Process Overview
Pre-subscription Requirements
Substack Account Preparation
Register or log in to the official Substack website
Ensure the account has completed basic verification
Network Environment
Use a US Residential IP (Critical Factor)
Ensure the IP geolocation shows as the United States
MPChat Funds Preparation
Prepare $10–$20 equivalent in USDT (Substack subscription prices vary by author)
It is recommended to keep extra funds for verification fees
Detailed Steps
Phase 1: MPChat Virtual Card Preparation
USDT Deposit
Path: MPChat App → Wallet → Deposit - Copy USDT deposit address - Transfer sufficient USDT from an external wallet (Recommended $15+) - Wait for network confirmation
Apply for a US MPCard
Path: MPChat App → MPCard → Apply for New Card - Issuing Country: Must select "United States" - Card Type: Virtual Card (Instant generation) - Securely record Card Number, Expiry Date, and CVV code
Funds Transfer
Path: MPChat App → Wallet → Transfer - From: MP Wallet (USDT) - To: MPCard (USD) - Amount: $10–$15 (Adjust based on subscription price)
Phase 2: Substack Subscription Process
Visit Target Substack Publication
Access the Substack publication you wish to subscribe to using a US IP
Example: An author's publication page
Select Subscription Plan
Subscription Type | Typical Price | Features
Monthly | $5–15/mo | Flexible, cancel anytime
Annual | $50–150/yr | Usually includes a discount
Founding Member | $100–300/yr | Special membership to support creators
Start Subscription Process
Click the "Subscribe" or "Upgrade" button
Choose the subscription type and cycle
Proceed to the payment information page
Phase 3: Payment Information Entry
Payment Interface Navigation
Substack uses Stripe as the payment processor
Select "Credit or debit card"
MPCard Information Entry
Information Source: MPChat App → MPCard → Card Details - Card number: 16-digit virtual card number - Expiration date: Expiry date (MM/YY) - CVC: 3-digit security code - Name on card: Pinyin is recommended
Billing Address Entry (Critical Step)
Country: United States
Use a US address generator
Example Format:
Address line 1: 1234 Reading Street City: San Francisco State: CA ZIP code: 94102
Payment Verification & Activation
Instant Verification
Stripe will perform a small verification hold (refunded immediately)
Verification of card validity
Service Activation
Upon successful payment, paid content is unlocked immediately
Access to subscriber-exclusive content is granted
Function Verification
Check access permissions for paid articles
Verify permissions for the comments section
Confirm email notification functionality
Substack Subscription Management
Feature | Free User | Paid Subscriber
Basic Content Access | ✅ | ✅
Paid Article Reading | ❌ | ✅
Exclusive Comments Section | ❌ | ✅
Email Delivery | Basic delivery | Full delivery
Community Interaction | Limited | Full access
Troubleshooting Guide
Common Causes of Payment Failure
Address Verification Issue (Solution: Use a more detailed/real US address)
Card Risk Control (Solution: Ensure the MPCard has sufficient balance)
IP Issue (Solution: Use a stable US Residential IP)
Handling Subscription Status Issues
Charge Successful but Content Not Unlocked (Wait a few minutes and refresh; check confirmation email; contact the publication author)
Payment Rejected (Check if card info is correct; verify billing address accuracy; ensure MPCard balance is sufficient)
Subscription Management Guide
Account Management
View Subscriptions: Settings → Subscriptions
Manage Payment Methods: Update or replace payment cards
Download Receipts: Obtain payment vouchers
Cancel Subscription
Path: Settings → Subscriptions → Cancel
Important Note: Service remains available until the end of the current billing cycle after cancellation
Cost Optimization Suggestions
Annual Subscription: Usually saves 20–30% compared to monthly billing
Multi-publication Subscription: Plan your subscription budget reasonably
Free Trial: Read free content first before deciding to subscribe
Security Reminders
MPCard Protection: Set reasonable spending limits
Account Security: Use strong passwords
Privacy: Be cautious when sharing subscription content
Usage Tips
Email Management: Set email delivery preferences
Community Engagement: Actively participate in comment section discussions
Discovery: Explore other publications recommended by Substack
Mobile Reading: Use the Substack mobile app
Multi-platform Support
Web: Full feature support
Mobile: iOS and Android apps
Email Delivery: Read directly through your inbox
RSS Subscription: Supports RSS readers
Substack Special Features
Algorithm-Free: Read content in chronological order
Direct Creator Interaction: Communicate directly with authors
Content Ownership: Creators retain full rights to their content
User-Friendly: Focused on writing and reading
Through this guide, you can successfully use an MPChat virtual card to subscribe to Substack paid publications, support your favorite creators, and enjoy premium content. The Substack payment process is relatively simple, but you must ensure the accuracy of your payment information. It is recommended to try free content first before deciding on a paid subscription.