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

DreamStudio is Stability AI's image and video generation platform. As of October 2026, dreamstudio.ai redirects to the renamed product, Brand Studio (formerly Dream Studio), so you may see either name during sign-up and checkout. This guide walks you through creating an account, choosing a paid tier and paying with a Coinepay virtual card, and it covers the common reasons a card is declined at checkout.

Coinepay issues virtual cards with an instant card number, expiry date and CVV that you can use for AI subscriptions like this one. Before you start, complete registration and identity verification (KYC), because card services are only available to verified users.

What you need before you start

A verified Coinepay account with a virtual card created in the iOS or Android app, or the web dashboard. If you don't have one yet, register here first.
Your card number, expiry date and CVV, which appear in the Coinepay app once the card is issued.
Enough balance on the card to cover the first subscription charge plus any amount the merchant may authorize to verify the card.
The exact billing details attached to your card (name, address, postcode/ZIP and country). Use your real identity and real billing information.
A valid email address you can verify, and you must be at least 18 (or the higher minimum age that applies where you live).

DreamStudio / Brand Studio plans and pricing

Stability AI's help center lists these tiers: Trial, Creator, Core and Enterprise. The Trial tier is free; Enterprise uses custom pricing arranged with Stability AI. At the time of writing (October 2026), the dollar prices shown were Creator at $19/month and Core at $50/month. Prices in other currencies and markets vary by region, so always confirm the exact total on the official Stability AI pricing page before you pay.

Plans include a monthly credit allowance for generations. The published figures have changed recently — Stability AI's billing FAQ notes Core moved to 6,000 monthly credits without changing its $50 price — and different pages have shown different numbers, so treat the credit amount shown at your checkout as the authoritative one. Monthly Creator and Core allowances do not roll over, and paid users can buy top-up credits from the dashboard.

Step 1: Create and verify your account

Go to the official site (dreamstudio.ai, which redirects to Brand Studio) in your browser.
Create an account with your email address.
Verify your email before your first generation, as the getting-started guide requires.
Sign in and confirm you can reach the main studio dashboard.

Step 2: Prepare your Coinepay card

Open the Coinepay app or dashboard and select the virtual card you want to use.
Check the available balance and top it up so it comfortably covers the plan's recurring price.
Note the billing address on file for the card. You'll enter this exact address at checkout so the details match.

Step 3: Choose a paid tier and check out

In Brand Studio, open Plans & Settings (the subscription area is reached from your avatar, labelled Plans & Credits).
Select the tier you want — Creator or Core for most individual users, or contact Stability AI for Enterprise.
When the payment form appears, enter your Coinepay card number, expiry date and CVV.
Enter the cardholder name and billing address exactly as they appear in Coinepay.
Review the total shown on screen, then confirm. Remember that paid subscriptions renew automatically until you cancel.

Stability AI processes payments through partners including Stripe. A Brand Studio-specific list confirming which card brands, debit cards or wallets are accepted was not available at the time of writing, so if your payment doesn't go through, review the troubleshooting steps below and, if needed, contact Coinepay support to confirm your card details before trying again.

Troubleshooting a declined card

Exact DreamStudio/Brand Studio decline messages were not documented at the time of writing, so work through the common causes below rather than relying on a specific error code.

Insufficient balance

The most frequent cause. Confirm the card holds enough for the full monthly price plus any temporary authorization hold the merchant places to validate the card. Top up in the Coinepay app and retry. Keep a small buffer, because the local-currency total may differ slightly from the dollar price shown.

Billing address mismatch

Many checkouts verify the billing address and postcode against the card record. If they don't match, the payment can fail. Re-enter the address exactly as it appears in your Coinepay profile, including country and postcode/ZIP.

3-D Secure / verification step

Some transactions trigger an extra authentication step. Make sure your Coinepay app is installed and you can receive the confirmation prompt, then approve the charge promptly so it doesn't time out. If you didn't see a prompt, check the app's notifications.

Merchant or region checks

Stability AI's terms prohibit providing access in US-embargoed countries or territories and to listed restricted parties, and some services are not available in every jurisdiction. If a payment is blocked for a location reason, do not try to disguise your location — use your real details. A full, country-by-country card-acceptance list for Brand Studio wasn't confirmed, so if everything else checks out and the card is still declined, contact Coinepay support to confirm your card meets any requirement before you buy, and consider reaching out to Stability AI support (log in with the email you used at checkout).

General retries

If a charge fails, wait a moment before retrying so repeated attempts don't stack up authorization holds. Confirm the card is active in Coinepay and that no per-card spending limit would block the amount.

After you subscribe: managing and cancelling

Your subscription and credit balance live under your avatar in Plans & Credits. To cancel, go to avatar → Plans & Credits → Cancel Subscription → Confirm Cancellation. Cancellation takes effect at the end of the current billing cycle, and you keep access to your subscription credits until then.

Note Stability AI's refund policy: subscription payments and service credits are generally non-refundable except where the law requires otherwise, per the terms effective September 30, 2026. Unused purchased or issued credits may expire after one year unless otherwise specified, so check the terms at the time of each top-up. To request a review, use Stability AI's support form.

Tip for businesses

If several people or teams use AI tools, Coinepay lets you issue a dedicated virtual card per purpose and set custom spending limits on each one. That makes it easier to keep the DreamStudio subscription separate from other costs and to track renewals.

Need help?

For card issuance, balances, verification or billing questions on the Coinepay side, reach out any time through the support center or on Telegram. For questions about plans, credits or refunds, contact Stability AI directly.

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

FAQ

Is DreamStudio the same as Brand Studio?

Yes. Stability AI renamed the product; dreamstudio.ai now redirects to Brand Studio (formerly Dream Studio), so you may see both names during sign-up and checkout.

How much does a DreamStudio subscription cost?

The tiers are Trial (free), Creator, Core and Enterprise (custom). At the time of writing in October 2026, the listed dollar prices were Creator $19/month and Core $50/month. Prices vary by region, so confirm the total on Stability AI's official pricing page before paying.

Why was my Coinepay card declined at checkout?

Common causes are insufficient balance, a billing address that doesn't match your card record, an unanswered 3-D Secure prompt, or a region/merchant check. Fix the matching cause in the Coinepay app and retry; if it still fails, contact Coinepay support.

Will my DreamStudio subscription renew automatically?

Yes. Paid subscriptions renew automatically until you cancel. To stop renewal, go to avatar → Plans & Credits → Cancel Subscription → Confirm Cancellation; it takes effect at the end of the billing cycle.

Can I get a refund after subscribing?

Refunds are generally not issued. Stability AI's terms state payments and service credits are non-refundable except where law requires otherwise. You can request a review through Stability AI's support form.

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