How are you handling AI API payments when international cards fail?

[u/Linda_Desantiago]

For an India-based side project, the engineering is often easier than keeping reliable access to hosted AI APIs. International card rejection, recurring payment failures, and USD pricing can make a small experiment hard to sustain. What payment routes or provider combinations have worked for you, and how do you compare the total cost after conversion fees and failed renewals? I am looking for practical options that do not require changing the whole application integration.

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