Get a Virtual Visa From Any Country โ Hong Kong Address Does the Heavy Lifting
Get a Virtual Visa From Any Country โ Hong Kong Address Does the Heavy LiftingA self-custodial Visa Platinum card that costs nothing โ and approves before your coffee gets cold.
One app. One fake address. Five minutes. No credit check, no selfie, no proof of address.
Payy hands you a full virtual Visa Platinum โ 16-digit number, CVV, expiry โ before you finish reading this post.
The internet charges you for everything. This one doesnโt. Yet.
๐ฑ Get the App โ VPN First, Always
Think of Payy as a crypto wallet that also gives you a bank card โ no bank required.
Before you touch anything: Turn on your VPN โ connect to USA, Hong Kong, or Singapore. Payy is region-locked โ without a VPN, the app wonโt even show up in your store.
| Step | What to Do |
|---|---|
| 1 | VPN on โ US / HK / SG server |
| 2 | Download โPayyโ from App Store or Google Play |
| 3 | Or go to payy.link (official download page) |
๐ Sign Up + 10,000 Free Bonus Points
| Step | What to Do |
|---|---|
| 1 | Open app โ โGet Startedโ |
| 2 | Enter invite code: 17GEPT โ instant 10,000 bonus points (helps unlock a future physical card) |
| 3 | Create a strong password |
| 4 | Save your recovery phrase offline โ lose it = lose your wallet forever. No recovery, no support ticket, no exceptions. |
| 5 | Confirm phrase โ account live in under 30 seconds |
This is a self-custodial wallet. Think of the recovery phrase as the only key to your house โ Payy doesnโt have a spare.
๐ KYC โ The Loophole That Makes It Work
This is where most people fail. Follow exactly โ one wrong answer and youโre rejected.
Tap โGet Cardโ โ KYC flow starts.
| Question | What to Enter | Why |
|---|---|---|
| Nationality | Your REAL nationality | Must match your ID โ lying = instant reject |
| Country you live in | Hong Kong  |
They donโt verify residential address. This is the trick. |
| Street address | Any fake HK address | Example: Flat 15B, Tower 2, 123 Nathan Road, Tsim Sha Tsui, Kowloon, Hong Kong |
| Postal code | 000000 or 999077 or 0 |
Hong Kong doesnโt use real postal codes โ this is a dummy field |
| ID document country | Your REAL country | e.g., India, Nigeria, Philippines โ wherever your ID is from |
| ID type | National ID / Passport / Aadhaar | Whatever matches what youโre uploading |
| Upload ID | Front + back photo | Clear, no glare, all corners visible |
What they DONโT ask for:
No selfie- No liveness check / face scan
- No proof of address / utility bill
Fallback: If Hong Kong isnโt listed, try Singapore โ United States โ United Kingdom. Same logic โ they donโt verify residence for any of these.
โ Approval & Your Card
| What Happens | When |
|---|---|
| Submit KYC | Takes 30 seconds |
| Approval notification | 5โ10 minutes (many get instant) |
| Card appears in app | Immediately after approval โ 16-digit number, expiry, CVV, your name |
90%+ approval rate with the combo below:
| Field | What to Use |
|---|---|
| Nationality | Real |
| Live in | Hong Kong (fake) |
| ID from | Your real country |
| Address | Fake HK + 000000 postal |
๐ก Pro Tips โ Tested Combos (Feb 2026)
| Tip | Details |
|---|---|
| M365 EDU 12-month trial | Select GooglePay at checkout โ add Payy card as payment method. Works seamlessly with a US proxy โ no need to create a US Gmail from scratch. |
| ID matching | Use whatever ID your country issues (Aadhaar, passport, DL). They verify ID authenticity, not where you sleep. |
| Rejected? | Switch VPN server: USA โ HK โ SG. Different servers hit different approval pools. |
| Slow approval? | Try during US daytime hours (9 AMโ5 PM EST). |
| Card declined? | Use the exact name and address from your Payy account + a strong US proxy. Mismatched info = instant decline. |
โ ๏ธ What Can Go Wrong โ And How to Fix It
| Problem | Fix |
|---|---|
| App not showing in store | VPN not active or wrong region โ reconnect to US/HK/SG |
| KYC rejected | Wrong nationality selected, or ID photo was blurry โ retry with passport if possible |
| Card declined on a subscription | Name/address mismatch between Payy and checkout โ make them identical |
| โCountry not supportedโ | Try a different VPN server โ some IPs are flagged |
| Lost recovery phrase | Gone. No recovery path. This is crypto-style custody โ thereโs no โforgot passwordโ button. |
Quick Hits
| Want | Do |
|---|---|
 Free virtual Visa |
Download Payy โ VPN โ KYC with HK address โ 5 min |
 M365 EDU trial |
Add Payy card via GooglePay at checkout + US proxy |
 Rejected fix |
Switch VPN server + retry with passport |
 Fastest approval |
Apply during US business hours |
Still alive as of Feb 07, 2026 โ tested on 3 accounts. This loophole wonโt last forever. Move.
!