Recommended MPCard
This tutorial recommends using the Asia Elite Card or Global Business Card (VISA · BIN 456599 / 493724) to complete the subscription.
Full card rules: Restricted Merchant & Transaction Policy.
⚡ Quick Summary (TL;DR)
Recommended card: Asia Elite Card (BIN 456599 / 493724) or Global Business Card (BIN 456599)
Estimated time: 10–15 minutes
Key prerequisites: stable US residential IP + matching US billing address + sufficient card balance
Card declined? Check: ① Balance ≥ $16 ② IP matches billing region ③ Avoid rapid repeated retries
Last updated: 2026-04-25
📖 Overview
YouTube Premium US is $13.99/month: ad-free, background play, YouTube Music and offline downloads. Subscribing via a US-region Google account is usually cheaper than many local markets.
🔑 Prerequisites
A successful subscription hinges on three elements staying aligned: a compliant service account, a stable US IP, and a funded MPCard.
MPChat account ready
Install the official MPChat app, complete identity verification, and activate the wallet
Issue an Asia Elite Card (VISA); record the 16-digit card number, expiry and CVC
Network setup
Use a stable US residential IP; avoid public Wi-Fi, datacenter, or shared proxy IPs
Keep IP region consistent with the card and billing address to pass risk checks
Funding ready
YouTube Premium costs around $13.99/month; stock ~$22 in USDT to cover the $1 pre-auth and FX
Keep card balance ≥ $16 so the first charge is not blocked
📝 Step-by-Step Subscription Guide
Phase 1 - Prepare the MPCard
Top up USDT
Path: MPChat App → Wallet → Deposit - Copy your dedicated USDT deposit address - Send USDT from an external wallet or exchange - Wait for network confirmation (usually 5-15 minutes)
Issue an Asia Elite Card (VISA)
Path: MPChat App → MPCard → New Card - Card type: Asia Elite Card (VISA) - Generated instantly; save the card details
Move funds onto the card
Path: MPChat App → Wallet → Transfer - From: MP Wallet (USDT) - To: MPCard (USD) - Amount: at least $16 including the $1 verification buffer
Phase 2 - YouTube Premium Subscription Flow
Ensure the Google account country is set to United States (change at payments.google.com)
Visit youtube.com/premium
Click Try it free or Get YouTube Premium
Choose Credit Card and fill in MPCard plus a US address
Quick checkout pick
Plan | Price | Best for |
Individual | $13.99/mo | Single user |
Family | $22.99/mo | 5-member family |
Student | $7.99/mo | Student verification required |
Phase 3 - Payment Details (critical step)
Payment method: choose Credit Card, then click Add Payment Method
Card fields (from MPChat App → MPCard → Card details):
Card Number: 16-digit number - Expiry Date: MM/YY - CVC Code: 3-digit security code - Name on Card: Pinyin name recommended
Billing address: use a reputable US address generator; ensure the ZIP is valid:
Street: 1234 Maple Street - City: San Francisco - State: CA - ZIP Code: 94102 - Country: United States
Verification & activation
YouTube Premium authorizes a $1 charge as verification (usually refunded immediately)
After payment succeeds the subscription goes Active right away
Sign in, test core features, and confirm the renewal cycle on the Billing page
⚠️ Notes & Troubleshooting
Service-specific notes
Google Payments only allows one country change per year; be careful
YouTube Music Premium is bundled, no separate subscription needed
iOS in-app purchase carries a 30% markup; web checkout is mandatory
Premium unlocks Picture-in-Picture and Background Play—the app keeps playing audio after the screen is locked
Offline downloads are mobile-only; each video stays for up to 30 days but needs an online refresh during that window
Family members must accept the invite email before benefits activate on their account
Common payment failures
Error | Fix | Priority |
Card declined | Verify the three-in-one: US IP + Asia Elite Card + US billing address | ⭐⭐⭐⭐⭐ |
Address invalid | Regenerate a detailed real US address; ZIP must match State | ⭐⭐⭐⭐ |
IP flagged | Switch to a US residential IP; avoid datacenter or public proxies | ⭐⭐⭐⭐ |
Insufficient balance | Top up MPCard to at least $16 | ⭐⭐⭐ |
Subscription management
Check status: account page → Settings / Billing
Download invoice: receipts available on the Billing page
Upgrade / downgrade: change plan any time
Auto-renew: on by default, charged on the same day each month
Cancel: Settings → Billing → Cancel Subscription. Access continues through the end of the paid cycle.
Security reminders
Card protection: set a monthly spend limit on the MPCard to reduce fraud risk
Account security: enable two-factor authentication (2FA) on the YouTube Premium account
Network consistency: keep a US IP around renewal dates so the account is not flagged
📊 YouTube Premium Plan Comparison
YouTube Premium US has 3 tiers with the same benefits (ad-free + background play + downloads + YouTube Music)—they differ in account count and price:
Plan | Price | Accounts | Household requirement | YouTube Music included |
Individual | $13.99 | 1 | — | ✅ |
Family | $22.99 | 6 (13+ yrs, incl. primary) | ✅ Same address | ✅ |
Student | $7.99 | 1 | Active student verification | ✅ |
💡 How to pick: 3+ household members → Family (under $4 per head); active students → Student; if you only want music, YouTube Music Premium alone is $10.99/mo.
📚 Related Tutorials
Full card rules: Restricted Merchant & Transaction Policy
💬 Still having trouble?
Do not retry payments repeatedly in a short window—it triggers risk-control cooldowns. Screenshot the error and click the chat icon at the bottom-right to reach MPChat support for 1-on-1 help.
This guide gets YouTube Premium subscribed in 10-15 minutes. If anything fails, check the US IP + Asia Elite Card + US billing address alignment first.