How to Pay for Netflix, Spotify & Apple Music with Crypto (Recurring Payments Guide)

So let's be completely straight about what will happen when someone tries to pay Netflix with crypto using gift cards.

Yes, you can easily buy a $100 or whatever amount of Netflix gift card with Bitcoin or other supported cryptos on Bitrefill. And Netflix will also accept it and deduct $17.99 every month until that $110 runs out. But here is what that process actually looks like in real life.​

Meet Sarah James from Austin, Texas. She was holding around $5,000 worth of Bitcoin and she wanted to use some of that for her monthly subscriptions. She started researching how to pay for Netflix with crypto and found Bitrefill.

She bought a $100 Netflix gift card with Bitcoin, paying a 2% processing fee ($102 worth of Bitcoin total). Then she applied the code to her Netflix account. Perfect. Her subscription was covered for around six months.

Six months later, her Netflix stopped working. Because she had forgotten to buy another gift card before the balance ran out. After repeating this cycle three times in the last 18 months, she gave up and went back to using her credit card.

The Hidden Costs Add Up (The calculated pricing below is before latest netflix pricing update):

• Netflix Standard: $185.88/year ($15.49 x 12 months)

• Gift card purchase fees at 2%: $3.72

• Time spent buying cards 3 times per year: ~45 minutes

• Mental energy remembering renewal dates: Priceless but annoying

• Total Cost: $189.60 + hassle

But the Oppi Virtual Card solves this problem completely. Because it is a Mastercard-backed virtual crypto card that you can simply load with your crypto.

Once it is loaded, the card works exactly like any other credit card. You can simply add it to Netflix, Spotify, or any other subscription service, and they will charge it monthly forever. True auto-renewal with no gift card codes.

This section will cover the exact process of setting up Netflix payments with crypto so they auto-renew monthly without any further action needed.

Step 1: Create Your Oppi Virtual Card

Visit Oppi Wallet and download the app from the App Store or Google Play. This setup takes around five to ten minutes. Once the setup is completed, navigate to the Virtual Card section and create your card. You will simply get a 16-digit card number, expiration date, and CVV code instantly.

Step 2: Load Your Card with Crypto

Just like you add money to your bank, you have to add enough crypto to cover at least three to six months of Netflix. For Netflix current Standard plan prices are between $7.99 to $24.99 per month depending on your plan in the United States, load approximately $60 to $110 worth of crypto. You can use Bitcoin, Ethereum, Solana, USDT, USDC, or any of 40+ supported cryptocurrencies. Also if you are not able to find your crypto and it is from the ethereum, solana, binance smart chain, tron, or polygone blockchain then you can add them using their address. 

Once you have added your crypto to the card. The card will convert your crypto to US dollars (or your local currency) immediately. Even if crypto price changes the next day, your card balance remains stable.​

Pro Tip: Use stablecoins like USDT or USDC if you are worried about volatility. Because they maintain a $1 value, so you will know exactly how many months of Netflix you are prepaying.

Step 3: Add Your Card to Netflix

Now log into your Netflix account and navigate to Account Settings, then click on Membership & Billing, and select Update Payment Info.

Now enter your Oppi Virtual Card details. Netflix will run a small authorization charge (typically $1) to verify the card. Once the card is verified, Netflix will save your card as the primary payment method.

Step 4: Your Subscription Auto-Renews

Netflix will now charge your Oppi Virtual Card automatically every month as long as your card has sufficient balance, the payment will be processed without any problem.

Because, to Netflix, your card will look like a regular Mastercard. And they will be having no idea that you have paid with crypto.

Step 5: Set Balance Alerts

Enable low-balance notifications in the Oppi Wallet app. So whenever the balance is low you will receive an alert (for example, $20). This will give you time to top up before the next billing cycle.

The process to pay Spotify with crypto and setting up the same in Apple Music also follows the same pattern with minor differences.

Spotify Premium Setup ($11.99/month)

Simply load your card with $50 to $75 to cover your next four to six months. Now open your Spotify app, navigate to Account Settings, select Change Payment Method, and enter your Oppi Virtual card details.

Spotify will charge for the full first month payment immediately ($11.99) to verify that the card is active. This is normal and counts as your first payment.​

Spotify's fraud detection is more aggressive than Netflix's. So if Spotify declines your card, then ensure that your balance is at least $20 (and not just $11.99) and also that your billing address matches your Oppi Wallet registration.

Apple Music Setup ($10.99/month)

Open Settings on your iPhone, then tap your name, and at last click on Payment & Shipping. Now select Add Payment Method and enter your Oppi Virtual Crypto Card details.

Apple will run a temporary $1 authorization. You have to make sure that your card has at least a $15 balance when you are adding it, even though the authorization is only $1. But Apple will check that the card has breathing room.​

YouTube Premium, Cloud Storage & Gaming Subscriptions

YouTube Premium ($13.99/month), iCloud storage ($0.99 to $9.99/month), Google One storage ($1.99 to $9.99/month), Xbox Game Pass Ultimate ($29.99/month), and ($14.99/month) all work identically. You just have to add your Oppi card once, and then subscriptions auto-renew forever.

The Universal Rule: If a service accepts Mastercard for recurring payments, it will accept your crypto-loaded Oppi Virtual Card, if they are accepting VISA cards then you have to order a physical card from us which is linked with VISA. For more examples, read our complete guide on how to pay with crypto online.

Some of the real and smart users reveal themselves that how they manage multiple subscriptions from a single card balance.

The Smart Loading Strategy

We connected with our top users who use Virtual Crypto Cards and asked them how they are managing multiple subscriptions. Most of them said that they have subscribed to three to five services simultaneously which totals around $40 to $80 per month. So they load Oppi Virtual Card with three to six months worth of total subscription costs in one transaction. So for example if someone is spending $60/month, this means that they have to load around $180 to $360 worth of crypto at once.

Why This Works Better:

• Reduces topping up frequency (once every few months instead of monthly)

• Minimizes network fees (one larger transaction instead of multiple small ones)

• Provides psychological freedom (you do not think about subscriptions for months)

Real Example from London

James loaded his card with approximately $190 worth of Ethereum onto his Oppi card in August. Then he added it to Netflix Standard Plan without Ads (£17.99/month), Spotify Individual Plan (£11.99/month), and YouTube Premium (£13.99/month).

His £150 covered approximately four months of all three subscriptions. In May, he received a low-balance alert and topped up another £190. He has been running this system for over a year, topping up every four months.

Problem 1: "Payment Declined" on Renewal

Cause: Insufficient card balance.
Solution: Do check your Oppi Wallet balance immediately. Because most services give you 72 hours to fix payment issues. Instantly top up within the same window, and the service will automatically retry the charge.
Prevention: You can set low-balance alerts at two times of your monthly subscription total.

Problem 2: "Payment Method Invalid" During Setup

Cause: Card balance too low or incorrect details.
Solution: Verify your card number, expiration, CVV, and billing zip code are correct or not. Make sure that your card has at least a $20 balance. Wait for 24 hours and retry if rejection persists.

Problem 3: Service Raises Prices

Cause: Subscription services occasionally increase prices. Netflix has raised prices multiple times in recent years.​
Solution: Whenever you receive a price increase email (services notify 30 days in advance), recalculate how many months of your current balance covers and top up the difference if needed.

Q. Can I use one card for subscriptions in different countries?

Ans. Yes. Because the Oppi Wallet Virtual Card works internationally with automatic currency conversions.

Q. What happens if I cancel a subscription mid-month?

Ans. Most services will let you use the service until the end of your paid billing period. Therefore no refunds get issued. Which means that you simply stop paying on the next renewal date.

Q. Do I pay taxes when I pay for subscriptions with crypto?

Ans. In most countries, spending cryptocurrency is considered a taxable event. We would suggest you to consult with a tax professional for your specific situation.

Q. What happens to my subscription if crypto markets crash?

Ans. Nothing. Because once you load crypto onto your card, it will be converted to US dollars or your currency immediately. And your subscriptions continue auto-renewing without any interruption.

Q. Can I pay for annual subscription plans with crypto?

Ans. Absolutely. You have to load your card with the annual amount and pay the entire year upfront. Many services also offer discounts for annual plans.

Annual Subscription Example:

• Netflix Standard: $215.88/year

• Spotify Premium: $143.88/year

• Apple Music: $131.88/year

• Total: $491.64/year

Gift Card Method: $491.64 + $9.83 fees (2%) + 60 minutes of time = $501.17 + hassle

Oppi Virtual Card Method: $491.64 + $2-5 network fees + 5 minutes of time = $493.64 to $496.64

Savings: $7 to $10 per year plus hours of time and zero mental overhead.

Now you know that how to exactly pay for Netflix with crypto, or buy Spotify Premium with crypto, and handle all other recurring subscription payments using cryptocurrency without gift card limitations.

The setup would take 10 minutes. Download Oppi Wallet now from App Store or Play Store, and create your virtual crypto card now. Load it with crypto, add the card to your services, and you are finished with setting up.

Now your subscriptions will auto-renew month after month exactly like they would with a traditional bank card.

The difference here is that you are actually using your crypto holdings for real life expenses instead of letting them sit idle in your wallet. Also you are maintaining self-custody until the moment you choose to spend it. You avoid foreign transaction fees and eliminate gift card hassles.

So stop using gift cards and start using crypto the way it was meant to be used.