Coinepay | How to Pay for iHeartRadio All Access with a Virtual Card (Guide)

iHeartRadio All Access unlocks on-demand music, playlists and offline listening on top of the free iHeartRadio service. If you want to pay for it with a Coinepay virtual card, this guide walks through what you need, how checkout works on the web and in the app, and what to check when a payment is declined.

Before you start: plans and where to buy

iHeartRadio's subscription terms list four tiers: the free iHeartRadio Free-of-Charge Service, iHeartRadio Plus, iHeartRadio All Access, and the iHeartRadio All Access Family Plan. All Access is the tier that adds full on-demand streaming. The Family plan lets the paying account holder add up to five non-paying household members who live in the same household and are at least 13.

At the time of writing (October 2026), the U.S. direct-purchase page at account.iheart.com/subscribe displays Plus at US$5.99/month, All Access at US$11.99/month, and Family at US$14.99/month. In-app prices through Apple or Google can differ (Apple's U.S. listing has shown higher in-app amounts), so always confirm the plan name, billing interval and final total on the actual checkout screen. Prices and availability vary, so check the official iHeartRadio page for the current amount in your region.

Important eligibility note: iHeartRadio's subscription terms restrict paid subscriptions to U.S. residents. A separate help page says the broader iHeartRadio service is available in the U.S., Canada, Mexico, Australia and New Zealand, but that does not establish paid-subscription eligibility outside the U.S. Use your real identity and real billing details, and do not try to work around a region check.

What you need to pay with a Coinepay virtual card

A Coinepay virtual card comes with an instant card number, expiry date and CVV that you can use for online subscriptions like this one. Before you subscribe, make sure you have:

A registered, KYC-verified Coinepay account. If you don't have one yet, create your account and complete identity verification first.
A Coinepay virtual card created in the Coinepay dashboard or mobile app, with its number, expiry and CVV ready to copy.
Enough balance on the card to cover the plan price plus any applicable taxes. iHeart's terms note that an overdue payment or incorrect card information can cause billing problems, and that a past-due account may be deactivated without notice.
Your real billing address, including the ZIP/postal code. iHeart's payment form asks for a billing ZIP/postal code, so it must match the details on your card record.

iHeart's terms require a valid credit card for direct checkout, and the specific card networks and card types it accepts are not publicly confirmed. Because of that, it's worth confirming your card works before you rely on it — contact Coinepay support if you want to check your card details meet a merchant's requirements before you buy.

Subscribe on the iHeartRadio website

Go to account.iheart.com/subscribe and sign in to (or create) your iHeartRadio account.
Choose All Access (or the Family plan). The page may offer a 30-day free trial button for Plus and All Access; a trial still requires card information, and unless you cancel before it ends, the paid service begins and charges automatically, including applicable taxes.
On the payment screen, enter your Coinepay virtual card number, expiry date and CVV.
Enter the billing details and ZIP/postal code that match your card record.
Review the plan name, billing interval and total, then confirm. Direct web purchases may be processed by a third-party merchant of record, so the charge descriptor may show that processor's name.

After buying, you can review or change your payment method at iheart.com/my/settings → Subscription → Update Payment → enter the new details → Update & Save. Your Billing History appears under Subscriptions at the same settings page for web-billed subscriptions.

Subscribe in the iHeartRadio app

On iOS or Android, open the iHeartRadio app, tap the settings gear, then tap Upgrade to start an All Access trial or subscription. iHeart permits one trial per iHeart account, credit card, Apple ID or Google Play account.

Keep in mind that in-app purchases are billed by the app store, not by iHeart directly. Apple and Google each manage their own payment methods and checkout, and the accepted methods can vary at checkout. If you want to pay with your Coinepay card specifically, buying on the website gives you the most control over which card is charged. For app-store purchases, you would need to add your card to your Apple Account or Google Play payment settings, and whether it is accepted there is handled by the store.

Troubleshooting: card declined or payment failed

There is no reliable public list of iHeart-specific decline messages, so treat any "payment failed" wording you see as a prompt to check the basics below rather than a verified iHeart error code. iHeart does state that incorrect card information or an overdue payment can cause billing problems.

Insufficient balance

Confirm your Coinepay card holds enough to cover the plan price and any tax. Recurring subscriptions retry on the renewal date, so leave a buffer for the next billing cycle. You can top up and view the balance in the Coinepay app.

Billing address or ZIP mismatch

iHeart's form asks for a billing ZIP/postal code. If the address or ZIP you enter doesn't match what's on your card record, the charge can be refused. Re-enter the exact billing details tied to your Coinepay card.

3-D Secure or verification prompt

If an extra confirmation step appears, approve it promptly through the Coinepay app so the authentication isn't abandoned. An unconfirmed verification will usually cancel the payment.

Card details entered incorrectly

Double-check the card number, expiry and CVV. Copy them directly from the Coinepay dashboard to avoid typos, and make sure the card hasn't expired.

Merchant region or card-type checks

Because paid iHeartRadio subscriptions are limited to U.S. residents and iHeart hasn't publicly confirmed which card types it accepts for direct checkout, a payment can be refused on those grounds rather than for anything on Coinepay's side. Don't try to disguise your location or use details that aren't yours. If you believe your card should work, reach out to Coinepay support to confirm your card meets the requirement before you try again.

Managing, canceling and refunds

For a web-billed subscription, cancel at iheart.com/my/settings → Subscriptions → Change Plan → Cancel Subscription, then confirm; the confirmation tells you when access expires. If you subscribed in-app, cancel through the store where you bought it — iHeart identifies Apple, Google Play, Amazon and Roku routes. Paid service continues through the current paid period, then reverts to the free service. If you started a trial, cancel before it ends to avoid the first paid charge. iHeart says it does not refund unused portions of a canceled paid period unless applicable law requires it; in-app purchases follow the app store's terms.

Get help

For anything about your Coinepay virtual card — balance, billing details, 3-D Secure or confirming your card meets a merchant requirement — use the 24/7 self-service dashboard, the Coinepay app on iOS or Google Play, or contact Coinepay support. For subscription questions specific to iHeartRadio, use iHeartRadio's own help center.

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

FAQ

Which iHeartRadio plan gives on-demand streaming?

iHeartRadio All Access is the tier that adds full on-demand music and offline listening. There is also an All Access Family Plan that lets the paying account holder add up to five non-paying household members aged 13 or older in the same household.

Can I pay for All Access with a Coinepay virtual card outside the U.S.?

iHeartRadio's subscription terms limit paid subscriptions to U.S. residents, so eligibility depends on iHeart's checks, not your card. Use your real identity and billing details, and don't try to bypass a region check.

Why was my Coinepay card declined at iHeartRadio checkout?

Common causes are insufficient card balance, a billing ZIP/address that doesn't match your card record, an unconfirmed 3-D Secure prompt, or mistyped card details. iHeart hasn't published which card types it accepts, so check these first and contact Coinepay support if needed.

Should I subscribe on the website or in the app?

Buying on account.iheart.com/subscribe lets you enter your Coinepay card directly. In-app purchases are billed by Apple or Google, which manage their own payment methods and checkout.

How do I cancel and will I get a refund?

For web billing, go to iheart.com/my/settings, open Subscriptions, choose Change Plan, then Cancel Subscription. Cancel in-app purchases through the store you bought them from. iHeart does not refund unused portions of a canceled paid period unless law requires it.

How to Pay for iHeartRadio All Access with a Virtual Card (Guide)