Recommended MPCard
This tutorial recommends using Flash Card (VISA · virtual · BIN 40433705) to subscribe. Cloud Card also work.
Full card rules: Restricted Merchant & Transaction Policy.
⚡ Quick Summary (TL;DR)
Recommended card: Flash Card (BIN 40433705)
Estimated time: 10–15 minutes
Key prerequisites: Luma account + MPChat Flash Card + funded card
Card declined? Check: ① Balance ≥ $15 ② US billing address ③ Avoid rapid retries
📖 Overview
Luma Dream Machine is Luma AI's web-based AI video generator, capable of producing realistic videos from text and images. This tutorial covers the Dream Machine web subscription — note that Luma Agents (the autonomous video production ladder) is a separate product with its own pricing. Web plans: Lite $9.99/mo, Plus $29.99/mo, Unlimited $94.99/mo. Annual billing saves approximately 20%.
🔑 Prerequisites
Luma account: Sign up free at lumalabs.ai. Google sign-in supported.
Network: Luma AI is globally accessible. A faster connection improves video download speeds.
Funding ready: Lite costs $9.99/month. Top up ~$15 USDT to cover the charge + $1 verification hold.
📝 Step-by-Step Subscription Guide
Phase 1 – Prepare the MPCard
Top up USDT
Path: MPChat App → Wallet → Deposit
- Copy your USDT deposit address
- Send from an external wallet or exchange
- Wait for confirmation (typically 5–15 min)Issue a Flash Card (VISA · BIN 40433705)
Path: MPChat App → MPCard → New Card
- Card type: Flash Card
- Generated instantly; save card number, expiry and CVVFund the card
Path: MPChat App → Wallet → Transfer
- From: MP Wallet (USDT) → To: MPCard (USD)
- Amount: at least $15 (includes $1 verification buffer)
Phase 2 – Luma Dream Machine Subscription
Go to lumalabs.ai/pricing and sign in
Choose a plan: Lite ($9.99/mo), Plus ($29.99/mo), or Unlimited ($94.99/mo). Annual plans save ~20%.
Click Subscribe or Upgrade
On the checkout page, select Credit / Debit Card as payment method
Plan comparison
Plan | Monthly price | Annual (~price/mo) | Video credits/mo | Notes |
Free | $0 | $0 | ~10 videos/mo (slow) | Watermarked, shared queue |
Lite ★ | $9.99 | ~$8/mo | 50 fast videos/mo | Good for casual use |
Plus | $29.99 | ~$24/mo | 150 fast videos/mo | Best value for creators |
Unlimited | $94.99 | ~$76/mo | Unlimited | Professionals / studios |
Phase 3 – Payment Details (critical step)
Payment method: select Credit / Debit Card → Add a new card
Card details (MPChat App → MPCard → card details):
Card Number: 16-digit number
Expiry Date: MM / YY
CVV: 3-digit security code
Name on card: use your real name (Latin letters)Billing address: enter a valid US address (state and ZIP must be consistent):
Street: 1234 Maple Street
City: San Francisco
State: CA
ZIP: 94102
Country: United States
Verification & activation
Luma Dream Machine may perform a $0–$1 pre-authorization for card verification.
After payment succeeds, your subscription activates immediately.
Visit https://lumalabs.ai/pricing to confirm your active plan.
⚠️ Notes & Troubleshooting
Dream Machine web vs Luma Agents: Dream Machine is the standard web video tool; Luma Agents is a separate autonomous pipeline product with independent plans. This tutorial covers Dream Machine web only.
Fast video credits reset monthly and do not roll over.
Annual billing must be selected at checkout.
To cancel: lumalabs.ai → Settings → Billing → Cancel.
Common payment failures
Error | Fix | Priority |
Card declined | Verify balance, billing address region, and card type match. | ⭐⭐⭐⭐⭐ |
Address invalid | Use a real US billing address; state and ZIP must be consistent. | ⭐⭐⭐⭐ |
Payment pending / auth failure | Wait 15 min, top up balance, retry once. Do not retry rapidly. | ⭐⭐⭐ |