Kimi K3 Without a Credit Card — Pay with USDC or Alipay
Use Kimi K3 without a credit card through 97AI.PRO. Top up with USDC on Arbitrum, Alipay, WeChat Pay, or card if you have one, then call Kimi K3 with one API key. Pricing is $15.75 per per million tokens, failed chat completions cost $0, and no direct Moonshot billing account is required.
Payment options
| Option | BestFor | Setup | Cost |
|---|---|---|---|
| USDC on Arbitrum | Developers without card access | Connect wallet or send USDC to the deposit address | $15.75 per per million tokens |
| Alipay / WeChat Pay | China-based users and teams | Top up from the billing page | $15.75 per per million tokens |
| Credit card | US, EU, and global SaaS teams | Stripe checkout | $15.75 per per million tokens |
| Moonshot official | Direct vendor contract requirements | Provider account, approved billing, native SDK | $15 official reference |
3-step setup without a card
- Create a 97AI.PRO account with email and password.
- Open billing and choose USDC on Arbitrum, Alipay, or WeChat Pay. The minimum top-up is $5.
- Use the model page or API endpoint `https://97ai.97claude.com/api/chat` with `model: "chat/kimi-k3"`.
When this is better than Moonshot official billing
Choose 97AI.PRO when you do not have a US or EU credit card, when Moonshot's direct billing is not available in your region, or when you want one wallet for Kimi K3 plus chat, image, video, audio, and embedding models. Official billing is still best when your company requires a direct vendor contract.
Frequently asked questions
Can I use Kimi K3 without a credit card?+
Yes. 97AI.PRO supports USDC on Arbitrum, Alipay, and WeChat Pay, so you can use Kimi K3 without a traditional credit card.
Do I need a Moonshot account?+
No. 97AI.PRO issues its own API keys and routes the model request through its upstream infrastructure.
What is the minimum top-up?+
The minimum top-up is $5, enough to run a practical test batch before moving to production.
Can teams in China use Kimi K3 this way?+
Yes. 97AI.PRO is accessible from mainland China without a VPN and supports Alipay and WeChat Pay.
What if a request fails after I paid with USDC or Alipay?+
Failed chat completions cost $0. Credits are only deducted after a successful result.
Ready to try Kimi K3?
Sign up on 97AI.PRO, top up with credit card / USDC / Alipay, and get an API key in under 60 seconds.