Recommended MPCard
This tutorial recommends using Cloud Card (VISA · virtual · BIN 45659910) to complete the top-up. Flash Card also work.
Full card rules: Restricted Merchant & Transaction Policy.
⚡ Quick Summary (TL;DR)
Recommended card: Cloud Card (BIN 45659910)
Estimated time: 5–10 minutes
Key prerequisites: Genshin UID + server selection + MPChat Cloud Card · Do NOT top up via App Store or Google Play
Card declined? Check: ① Balance ≥ $18 ② US billing address ③ Avoid rapid retries
📖 Overview
Genshin Impact by HoYoverse allows players to top up Genesis Crystals (which convert 1:1 to Primogems) directly on the official payment center. First-time buyers receive a double bonus on their first Genesis Crystal purchase. Important: MPChat virtual cards work on the HoYoverse payment center only — not through App Store or Google Play in-app purchases.
🔑 Prerequisites
Genshin account: Sign in with your HoYoverse / miHoYo account at genshin.hoyoverse.com/payment. Your UID is visible in-game via Paimon Menu (top left).
Network: HoYoverse payment center is accessible globally. Use your game region's official URL.
Funding ready: Recommended starter pack: $14.99 (980+110 Crystals) which includes the first-time double bonus. Top up ~$18 USDT to cover the charge + $1 verification hold.
📝 Step-by-Step 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 Cloud Card (VISA · BIN 45659910)
Path: MPChat App → MPCard → New Card
- Card type: Cloud 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 $18 (includes $1 verification buffer)
Phase 2 – Genshin Impact Top-Up Flow
Go to genshin.hoyoverse.com/payment and sign in with your HoYoverse account
Enter your UID (found in-game: Paimon Menu) and select your server region
Choose a Genesis Crystal pack. Recommended for first-time buyers: $14.99 (980+110) or $29.99 (1980+260) — both trigger the first-time double bonus
Click Buy Now and proceed to payment
⚠️ Critical: Do NOT use App Store or Google Play for top-up — in-app purchases incur a 30% platform fee and are incompatible with MPChat virtual cards. Always use the official HoYoverse payment center.
Genesis Crystal Packs
Pack | Price | Genesis Crystals (base + bonus) | Bonus % | Notes |
Starter | $0.99 | 60 | — | Smallest available pack |
Small | $4.99 | 300 + 30 | 10% | — |
Medium ★ | $14.99 | 980 + 110 | ~11% | First-time double bonus eligible |
Large ★ | $29.99 | 1,980 + 260 | ~13% | Best value + first-time bonus |
X-Large | $49.99 | 3,280 + 600 | ~18% | — |
Mega | $99.99 | 6,480 + 1,600 | ~25% | Best value per Crystal |
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
⚠️ Notes & Troubleshooting
First-time double bonus: your very first purchase on the HoYoverse center grants double Crystal quantity for the same price. Spend it on $14.99 or $29.99 for the best first-purchase value.
Genesis Crystals convert to Primogems at a 1:1 rate in-game under Paimon Menu → Shop.
Crystals can be used to purchase Wishes (Intertwined/Acquaint Fate), character skins, and Blessing of the Welkin Moon.
Never top up via App Store or Google Play: platform fees apply and MPChat cards are not accepted for IAP.
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. | ⭐⭐⭐ |