Recommended MPCard
This tutorial recommends using the Cloud Card (VISA · virtual · BIN 45659910) or Boundless Card (VISA · physical · BIN 45659910) to complete the subscription.
New cards are issued under BIN 45659910; early-issuance BIN 49372410 also works.
Full card rules: Restricted Merchant & Transaction Policy.
⚡ Quick Summary (TL;DR)
Recommended card: Cloud Card (virtual · BIN 45659910) or Boundless Card (physical · BIN 45659910)
Estimated time: 10–15 minutes
Key prerequisites: stable US residential IP + matching US billing address + sufficient card balance
Card declined? Check: ① Balance ≥ $22 ② IP matches billing region ③ Avoid rapid repeated retries
📖 Overview
Codex is OpenAI's AI coding agent that reads, writes and reviews code and runs tasks across the web, a desktop app (macOS / Windows), the CLI and IDE extensions. Codex is not a standalone subscription — it is bundled into ChatGPT plans: Free / Go / Plus / Pro / Business each unlock different usage limits. Plus ($20/month) is the best value for day-to-day coding, while Pro adds a $100/month tier (5× Plus usage) and a $200/month tier (20× usage). This tutorial walks through subscribing to a Codex-enabled ChatGPT plan with an MPChat Cloud Card (VISA).
🔑 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 Cloud 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
Codex costs around $20/month; stock ~$25 in USDT to cover the $1 pre-auth and FX
Keep card balance ≥ $22 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 Cloud Card (VISA)
Path: MPChat App → MPCard → New Card
Card type: Cloud Card (VISA)
Generated instantly; save the card detailsMove funds onto the card
Path: MPChat App → Wallet → Transfer
From: MP Wallet (USDT)
To: MPCard (USD)
Amount: at least $22 including the $1 verification buffer
Phase 2 - Codex Subscription Flow
Go to chatgpt.com and sign up or sign in to your OpenAI account
Click the bottom-left avatar, then Upgrade plan (or open the pricing page directly)
Pick a plan with Codex usage: Plus ($20/mo) for daily work, or Pro ($100 or $200/mo) for heavy use
On the Stripe checkout, enter your MPCard details and a US billing address, then submit
Once active, enable Codex at chatgpt.com/codex, or install the macOS / Windows app and the IDE extension
Plan reference
Plan | Price | Best for |
Free | $0/mo | Limited Codex trial |
Go | $8/mo | Light, occasional coding |
Plus | $20/mo | Best for daily coding (app + plugins) |
Pro 5× | $100/mo | Heavy daily use (5× Plus usage) |
Pro 20× | $200/mo | Sustained intensive workflows (20× Plus) |
Business | Per-seat | Teams + shared credits |
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: use your real name (Latin letters)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
Codex 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
Codex usage is rate-limited on a rolling 5-hour window (local messages and cloud tasks share the same window); additional weekly limits may apply. Switch to the cheaper GPT-5.4-mini to make limits last longer
When Plus usage runs out you can buy extra credits to keep working without upgrading; the same applies to Pro / Business
The $100 and $200 Pro tiers have identical features — the only difference is Codex usage (5× vs 20×) — and you can switch between them anytime
You can also run Codex locally with an API key, billed at standard API token rates (separate from your plan, handy for overflow)
App Store / Google Play in-app pricing carries ~30% platform tax — subscribe via the web to pay less
Renewal follows your ChatGPT billing cycle; cancel at chatgpt.com → Settings → Subscription and you keep access until the period ends
Common payment failures
Error | Fix | Priority |
Card declined | Verify the three-in-one: US IP + Cloud 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 $22 | ⭐⭐⭐ |
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 Codex account
Network consistency: keep a US IP around renewal dates so the account is not flagged
❓ FAQ
Do I have to pay for Codex separately?
No. Codex is bundled into ChatGPT's Free / Go / Plus / Pro / Business plans. Any paid plan includes Codex, with each tier unlocking a different usage limit.
Plus, Pro $100, or Pro $200 — which should I pick?
Choose Plus ($20/mo) for the best value on daily coding; Pro $100 (5× usage) for longer, higher-effort sessions; and Pro $200 (20× usage) for sustained intensive workflows. Both Pro tiers share the same features and you can switch anytime.
Can I keep working after hitting the usage limit?
Yes. Plus / Pro users can buy extra credits to continue without upgrading, switch to GPT-5.4-mini to stretch limits, or run Codex locally with an API key (billed at API rates).
📚 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.
Don't have an MPCard yet? Apply for an Cloud Card (VISA) in the MPChat App — about 1 minute end-to-end to generate a virtual card.
This guide gets Codex subscribed in 10-15 minutes. If anything fails, check the US IP + Cloud Card + US billing address alignment first.