Coinepay | How to Pay for Craft with a Virtual Card (Step-by-Step Guide)

Craft is a notes and documents app with built-in AI writing features, available on macOS, iOS, Windows, Android and the web. If you want to upgrade from the free tier to a paid plan and pay with a Coinepay virtual card, this guide walks through what you need, how direct web checkout works, and what to check if a payment is declined.

Before you start

You will need two things: an active Coinepay virtual card and a Craft account. A Coinepay virtual card comes with an instant card number, expiry date and CVV that you can view in the Coinepay app or dashboard once you have registered and completed identity verification (KYC). If you do not have an account yet, you can register with Coinepay and finish verification first, then download the iOS app or get it on Google Play to manage your card on the go.

A few things to keep in mind before you buy:

Use your real identity and billing details. Enter the name, address and country that match your Coinepay account and card profile. Do not use false details or try to work around regional checks.
Load enough balance. Make sure your card has enough to cover the plan plus any location-based tax that Craft adds at checkout.
Know which billing path you want. Craft bills differently depending on where you subscribe (see below).

Understand how Craft bills you

Craft handles payments differently by platform, and this matters for using a card directly:

Direct web subscriptions are processed through Stripe. This is the path where you enter a card yourself.
In-app purchases on Apple devices use App Store billing, which charges the card on your Apple ID rather than a card you type into Craft.
Paddle is used only for existing legacy subscriptions, and Setapp bills its own members separately.

To pay with your Coinepay card directly, use the direct web checkout. Craft states that direct web checkout accepts credit/debit cards, PayPal and other local payment methods, with digital wallets supported. The specific card networks and their country-by-country acceptance are not published, so treat merchant acceptance as something to confirm. If you are unsure whether your card will be accepted for this purchase, contact Coinepay support to confirm your card meets the requirement before you buy.

Craft plans and pricing

Craft's public pricing page lists Free, Plus (one account), Family (2–6 Plus accounts) and Team (up to 10 Plus accounts), with larger groups directed to contact Craft. There is also a free Education Plan for eligible students, faculty and staff after school-email verification, which must be reverified every 12 months.

At the time of writing (October 2026), the public pricing page displayed Plus at $8/month ($6.40/month billed yearly), Family at $15/month ($12/month billed yearly) and Team at $50/month. Craft's own help article listed different figures (Plus $10/month or $96/year, Family $18/month or $180/year, Team $60/month or $600/year), and App Store listings differ again by region. Because the numbers vary by source, country and currency, always confirm the exact total on Craft's official pricing page and at checkout before you pay. Direct web prices can display in your local currency and include location-based tax.

Note that the Family Plan is restricted by Craft's terms to personal, non-commercial use within a household or close personal circle; commercial users should pick an appropriate paid plan.

Step-by-step: subscribe to Craft with your Coinepay card

Create or sign in to your Craft account. Free sign-up requires no card. You can sign in with an email verification code, or with Apple, Google, Microsoft or organizational SSO. If you plan to pay by card on the web, signing in with email keeps your billing account email clear and avoids a hidden-email mismatch.
Open your Coinepay card details. In the Coinepay app or dashboard, open the virtual card you want to use and have the card number, expiry date and CVV ready. Confirm the available balance covers the plan and tax.
Go to Craft's pricing page and choose a plan. Select Plus, Family or Team and use the Get Started button. On the pricing page this opens the checkout flow at docs.craft.do with your chosen plan.
Pick your billing interval. Choose monthly or yearly. Yearly billing is cheaper per month but charges the full year upfront, so make sure your card balance covers it.
Enter your card and billing details. In the Stripe-powered checkout, type your Coinepay card number, expiry and CVV, then enter the billing name, address and country that match your Coinepay profile.
Complete any security check. If prompted for 3-D Secure confirmation, approve it in your Coinepay app or via the verification method tied to your card.
Review the total and confirm. Check the final amount, including any tax, in your local currency, then confirm the payment.
Confirm the subscription is active. Your account owner can verify the plan and find invoices under Settings → My Subscriptions → Settings and Billing → Billing & Subscription.

If your card is declined: common causes and fixes

Craft does not publish a specific list of card-decline messages, so the guidance below covers the usual reasons an online card payment fails. Work through them in order.

Insufficient balance

A virtual card needs enough to cover the full charge plus tax at the moment of payment. Yearly plans charge the whole year at once, which is a larger amount than a monthly plan. Top up your Coinepay card and try again.

Billing address mismatch

If the name, address or country you typed does not match your card profile, the issuer may reject the charge. Re-enter your real Coinepay billing details exactly as they appear in your account.

3-D Secure not completed

Many online card payments require a 3-D Secure step. If you miss or dismiss the prompt, the payment fails. Retry and approve the verification in your Coinepay app.

Merchant or region checks

Direct web prices and payment methods vary by country, and Craft's full list of countries where paid checkout is available is not published. If a payment is blocked for regional reasons, do not try to disguise your location — using a VPN or false address breaks the merchant's terms. Instead, confirm the plan is available for your real country on Craft's pricing page.

Card type or network restrictions

Because Craft does not confirm which card networks it accepts at web checkout, a decline could relate to card type. If this happens, contact Coinepay support to confirm your card meets the requirement before trying again. You can also reach the team via Telegram.

Tips for a smooth renewal

Keep your Coinepay card active and funded ahead of the renewal date. One Craft user reported that a replaced card caused a discounted subscription to lapse, and whether the old price is restored after a lapse is not guaranteed, so avoid letting a payment fail if you are on a promotional rate. If you ever change cards, update the payment method in your Craft billing settings before the next charge.

Managing, cancelling and refunds

Direct subscribers cancel under Settings → My Subscriptions → Settings and Billing → Cancel Subscription; paid access continues until the end of the billing period, then the account moves to Free without deleting documents. App Store subscriptions must be cancelled through Apple and Setapp memberships through Setapp.

For direct Craft purchases, Craft's help center describes a full annual-plan refund within 30 days of the initial purchase or renewal, and a full monthly-plan refund within 14 days of the first-ever charge; monthly renewals are not refundable under that policy. Craft also says it refunds duplicate charges, charges after a confirmed cancellation, upgrades to the wrong account and its own billing errors. Direct-purchase refund requests go to [email protected], while Apple and Setapp handle their own refunds.

For anything related to your card, balance or a failed payment, the Coinepay team is available 24/7 through the dashboard and app.

Get your Coinepay virtual card: Sign up · App Store · Google Play · Customer support

FAQ

Can I use a Coinepay virtual card to pay for Craft?

You can enter a Coinepay virtual card in Craft's direct web checkout, which is processed through Stripe and accepts credit/debit cards. Craft does not publish which card networks it accepts, so if you are unsure, contact Coinepay support to confirm your card meets the requirement before you buy.

Which Craft plan should I choose?

Craft offers Free, Plus (one account), Family (2–6 accounts, personal non-commercial use only) and Team (up to 10 accounts). There is also a free Education Plan for eligible students and staff. Check the current prices and features on Craft's official pricing page before paying.

Why was my card declined at Craft checkout?

Common causes are insufficient balance, a billing address that doesn't match your card profile, an uncompleted 3-D Secure check, or regional restrictions. Top up your card, re-enter your real Coinepay billing details, approve the security prompt, and contact Coinepay support if it still fails.

How do I pay by card instead of through the App Store?

Use Craft's direct web checkout via the Get Started button on the pricing page, which is billed through Stripe. In-app purchases on Apple devices use App Store billing tied to your Apple ID rather than a card you type in.

Can I get a refund if I subscribe with my card?

For direct Craft purchases, Craft's policy allows a full annual-plan refund within 30 days of purchase or renewal and a full monthly-plan refund within 14 days of the first charge. Requests go to [email protected]; Apple and Setapp handle their own refunds.

How to Pay for Craft with a Virtual Card (Step-by-Step Guide)