In the dynamic world of digital advertising, staying ahead of the curve requires leveraging the most effective and secure payment solutions. This article aims to inform advertisers and media buyers about the top 10 virtual card services that are leading the industry in 2024.
As the advertising landscape becomes increasingly complex, the need for transparent and secure financial operations has never been more critical. Lack of transparency in media buying is another significant hurdle for advertisers. This guide provides a comprehensive overview of the best virtual card services available, detailing their unique features and benefits to help you make informed decisions and optimize your advertising expenditures on major platforms like Facebook, Google, TikTok, and Microsoft.
In 2024, services like PSTNET, 4×4.io, Abcard.io, and others stand out due to their innovative solutions tailored for media buying. They offer features such as unique BINs, cryptocurrency top-ups, zero transaction fees, and extensive team collaboration tools. Each service provides unique advantages that cater to different aspects of advertising payments, ensuring security, transparency, and efficiency.
Stay tuned as we delve into detailed reviews of these top 10 virtual card services, highlighting their strengths and how they can help you streamline your advertising payments.
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1. PSTNET
PSTNET, a financial service, offers virtual cards specifically designed for media buying. These cards cater to popular platforms such as Facebook, Google, TikTok, and Microsoft. They operate with Visa/Mastercard payment systems and are available as debit or credit cards. According to user reviews, the service issues the best credit card for ads, offering all the benefits of the service along with additional perks like cashback.
All PSTNET virtual cards can be issued without any limit on their number. The entire process of working with the cards is made as comfortable as possible. For instance, the service includes its own BIN number checker, which allows users to determine not only the type of card and its issuing location but also billing thresholds, average monthly spend per card, and the percentage of approved and declined transactions.
Features:
- 22+ Unique BINs with European and US Geo: Minimizing the chance of encountering risk payments.
- Online BIN Checker “Pulse”: Quick access to comprehensive card information.
- Cryptocurrency Card Top-Up: Supports 17 cryptocurrencies (BTC, USDT TRC 20, ERC 20, and others).
- Standard Card Top-Up Methods: SWIFT/SEPA bank transfers, other Visa/Mastercard cards.
- Zero Transaction Fees: No charges for transactions, withdrawals, or operations on blocked or frozen cards.
- Low Top-Up Fees: Starting from 3%.
- Team Collaboration Tools: Assign tasks, designate team member roles, and set card limits.
- Expense Analytics: Financial operation reports available to users.
- One-Step Platform Registration: Use Apple ID, Google accounts, Telegram, WhatsApp, or email.
- 24/7 User Support: Immediate assistance through Telegram, WhatsApp, or live chat.
- Telegram Bot: Receive 3D Secure Codes and service update notifications.
For media buyers, the service offers a special program called PST Private. Participants can issue up to 100 cards per month for free and enjoy exclusive, advantageous conditions:
- 3% Cashback on Advertising Expenditure
- 3% Card Top-Up Fee
No need to verify advertising expenses to join the program.
2. 4×4.io
The 4×4 service offers virtual debit cards issued by Ukrainian and European banks, specifically designed for use in media buying on popular advertising platforms like Google Ads, Facebook Ads, TikTok Ads and Microsoft Ads. These cards operate with Visa and Mastercard payment systems.
All cards from the service can be issued in unlimited quantities. The budget management and team collaboration tools make working with the service’s virtual cards quite convenient.
Features:
- Unique BINs: The service allows users to select BINs tailored to their specific needs.
- Cryptocurrency Card Top-Up: Supports USDT (TRC 20, ERC 20).
- Standard Card Top-Up Methods: SEPA bank transfers and Visa/Mastercard top-ups are available.
- Fee Structure:
- Card Issuance: $2
- Card Top-Up: Starting from 5%
- Transaction and Withdrawal Fees: 5% on all card operations
- Fees for Blocked Cards: Cards automatically close if not used within a month, incurring no costs.
- Team Collaboration Tools: Enables task allocation, setting card limits, and shared card usage.
- Expense Analytics: Users have access to financial operation reports.
- Platform Registration: The registration process includes quick account creation, entering data (name, email, password, phone), and the ability to test cards for free.
- 24/7 User Support: Support is available around the clock via Telegram.
- Additional Benefits: The service offers cashback and a referral program. Cashback can be earned by using 4×4 cards for advertising expenses on Facebook, Google, TikTok, Microsoft and others.
3. Abcard (AnyBill)
Abcard.io, also known as AnyBill, offers virtual cards specifically designed for media buying on popular platforms such as Facebook, Google, TikTok, and Microsoft. These cards are compatible with Visa and Mastercard payment systems and can be issued in virtually unlimited quantities.
Features
- BIN Type: The service offers a single BIN type with geolocation in the United Kingdom.
- Cryptocurrency Top-Up: The service supports card top-ups with cryptocurrencies, including USDT TRC20 and USDT ERC20.
- Standard Top-Up Methods: Top-ups are only possible with cryptocurrencies.
- Transaction Fee Structure: Fees depend on the monthly top-up volume and are applied to the following month:
- 4.5% for top-ups up to €25,000
- 4% for top-ups from €25,000 to €100,000
- 3.5% for top-ups over €100,000
- Declined Payment Fees: Fees depend on the total percentage of declined payments:
- €0 up to 3%
- €0.20 from 3% to 5%
- €0.30 from 5% to 7%
- Team Collaboration Tools: Users can view all team cards, assign and distribute roles among members.
- Expense Analytics: Users can generate transaction reports, including declined payments.
- Registration Process: The registration process involves completing a standard form and verifying the account through a Telegram bot.
- 24/7 User Support: Customer support is available around the clock and can be reached via website chat or email.
4. Flexcards
Flexcards is a financial platform providing access to virtual Visa/Mastercard cards for media buying. This service stands out for its flexibility in card customization and management, making it suitable for payments on Facebook, Google, TikTok, and Microsoft Ads. An unlimited number of virtual cards can be issued.
Features
- BIN Type: The service provides 3 types of BINs with geo-locations in Spain, Brazil, and Estonia. BINs are updated every 3-4 months.
- Multiple Top-Up Methods: Including USDT TRC20, bank transfers, the Capitalist platform, and transfers from partner service balances.
- Fee Structure:
- Deposit fees start at 3.5%.
- No maintenance fees for cards.
- Issuance fees range from €2 to €4 per card.
- Team Collaboration Tools: Enabling task distribution, role assignments for team members, and setting card limits.
- Expense Analytics: Users can receive reports on financial transactions made with the cards.
- Multi-Stage Registration Process: The registration on the Flexcards platform takes no more than a day. To activate a personal account, users need to fill out a form and submit it to the service manager.
- Customer Support: Available from 10:00 to 22:00 (GMT +3), the Flexcards support team is ready to promptly assist users with any queries.
5. Karta.io
Karta.io is a service designed to streamline advertising expense management through prepaid virtual Visa and Mastercard cards. These cards are tailored for precise control of advertising costs. There is a cap of 100 card issuances per month without additional fees.
Features
- Types of BINs: Users can choose cards with unique BINs from U.S. banks.
- Cryptocurrency Top-Up: Funding cards with cryptocurrencies is not supported.
- Standard Top-Up Methods: Available options include bank transfers (SWIFT/SEPA) and funding from other Visa/Mastercard cards.
- Unified Balance Management: Manage expenses through a single user dashboard.
- Fee Structure:
- A fixed fee of 3.5% is charged on all deposits.
- Team Collaboration Tools: Users can assign roles based on functional responsibilities and set spending limits for cards.
- Expense Analytics: Detailed reports on all financial transactions made with the cards are available.
- Quick Card Issuance: Cards can be issued in under 10 minutes.
- 24/7 User Support: The support team is available around the clock and can be contacted via the website chat.
6. Mybrocards
Mybrocard is a service specializing in the issuance of virtual cards for media buying. The virtual cards offered by Mybrocard support major payment systems such as Visa and Mastercard. There is no limit to the number of cards you can issue, with the first 50 cards for advertising payments available for free. Subsequent card costs vary based on their BIN.
Features
- Types of BINs: More than 20 BINs are available, including those from the USA, Estonia, the UK, and Colombia.
- Cryptocurrency Top-Up Options: USDT (TRC20 and ERC20) are accepted.
- Standard Top-Up Methods: Bank transfers (available only for legal entities), Capitalist, Marketcall.
- Top-Up Fees:
- USDT: 4.5%
- Wire Transfer: 3%
- Capitalist: 7%
- Marketcall: 2%
- Fees for Blocked or Frozen Cards: The fees depend on the transaction amount.
- Team Collaboration Tools: You can assign tasks, designate team member roles, and set card limits.
- Expense Analytics: Analyze your spending with the dashboard tools.
- Multi-Step Registration: This involves filling out a standard form on the website, followed by a KYC process (uploading a selfie with your passport and waiting for verification, which takes about 24 hours). Cards are issued instantly once the account is funded with a minimum of $500.
- 24/7 Customer Support: Available through live chat.
Additional Benefits
- Cashback: The service offers cashback provided the rate of declined payments does not exceed 10%. If the rate of declined payments exceeds 25%, all company cards will be blocked within 24 hours.
7. Adscard
AdsCard is a payment system specializing in the development of virtual Visa/Mastercard payment cards for advertising campaigns on leading platforms, including Facebook, Google, TikTok, and many others. The card issuance fee is $1, provided that advertising transactions amount to at least $500 per month. Under these conditions, card maintenance is free.
Features
- Types of BINs: A large number of BINs from banks in the USA and Europe.
- Cryptocurrency Top-Up Options: Popular cryptocurrencies are supported.
- Standard Top-Up Methods: Bank transfers (SWIFT/SEPA), other Visa/Mastercard cards.
- Top-Up Fees: 0% commission for balance top-ups.
- Team Collaboration Tools: A system for assigning roles and access levels allows for efficient team and expense management.
- Expense Analytics: The service provides tools for expense analysis and financial reporting.
- Multi-Step Registration: This involves filling out a standard form and completing the KYC process. After registration, users gain access to a personal account and can start issuing virtual cards.
- 24/7 Customer Support: Support is available around the clock and is ready to promptly respond to user inquiries both on the website and through Telegram.
Additional Benefits
- Referral Program: The service offers a referral program, allowing users to earn bonuses for attracting new clients.
8. Spendge
Spendge is a financial service specifically designed for managing advertising budgets on popular platforms such as Facebook, Google, and Microsoft. It provides convenience and efficiency in working with virtual cards. Cards can be issued in unlimited quantities.
Features
- Types of BINs: A wide variety of BINs are available and continuously updated.
- Cryptocurrency Top-Up Options: More than 30 cryptocurrencies are supported, including USDT TRC20.
- Standard Top-Up Methods: Bank transfers (SWIFT/SEPA), Visa/Mastercard cards, Capitalist, and transfers from partner service balances.
- Fees: Low fees for financial operations; internal payments have no commission, while international transactions incur a fee of 1% + $0.30.
- Expense Analytics: Detailed transaction reports are available.
- Security: Cards issued with 3D Secure protection on certain BINs.
- Team Collaboration Tools: Tasks can be assigned, roles designated, and card limits set.
- Expense Analytics: Tools are available for generating detailed financial reports.
- Registration: Fast registration within 24 hours with status tracking.
- 24/7 Customer Support: Support is available around the clock and ready to promptly respond to user inquiries.
9. Capitalist
Capitalist is a popular financial platform that also offers virtual cards. Cards Pro, special cards for media buying, are accessible to platform users through a manager. These cards are compatible with Visa and Mastercard and can be issued in unlimited quantities.
Features
- Number of BINs and Geo-BINs: There are 9 types of BINs located in the UK, USA, and Estonia.
- Cryptocurrency Top-Up Options: Supported cryptocurrencies include Bitcoin (BTC), USDT Tether (ERC20 and TRC20), Ethereum (ETH), and USDC (ERC20).
- Standard Top-Up Methods: International bank transfers (SWIFT/SEPA) and other Visa/Mastercard cards.
- Transaction Fees:
- 2% for transactions in USD.
- 2.2% for transactions in other currencies.
- $0.30 for declined payments.
- Top-Up Fees: 4% through the Capitalist service.
- Team Collaboration Tools: Tasks can be assigned, team member roles designated, and card limits set.
- Multi-Step Registration: To register on the platform, you need to fill out a standard form on the website, confirm your email, and request access to Cards Pro through your personal account. To proceed with card issuance, an additional registration step involves completing a questionnaire and a short interview.
- 24/7 Customer Support: Operates efficiently and responds to user inquiries within minutes. Support is available through Telegram.
10. Wellcards
Wellcards.co is a financial service designed for issuing virtual cards to manage financial flows in media buying. These virtual cards can be used for various advertising campaigns, offering an additional layer of security through 3DS technology.
There are no limits on the number of cards you can issue, with the first five cards available for free.
Features:
- BIN Types: Five types of BINs available with US geo.
- Minimum Deposit: $50 required to open a card.
- Billing Address: Provided upon request via customer support.
- Multi-Stage Registration: KYC is mandatory for all users.
- Card and Account Blocking: Possible if the level of declined transactions is exceeded.
- No Fees: No fees for withdrawals or transactions on blocked or frozen cards.
- Expense Analytics: Real-time reports on all financial transactions are available to users.
- Customer Support: Available for inquiries and providing Billing Address via Telegram.
To Sum Up
In 2024, the digital advertising landscape continues to evolve, demanding more secure and transparent financial operations. The top 10 virtual card services we’ve reviewed—PSTNET, 4×4.io, Abcard.io, Flexcards, Karta.io, Mybrocard, Adscard, Spendge, Capitalist, and Wellcards offer innovative solutions tailored for media buying on major platforms like Facebook, Google, TikTok, and Microsoft.
These services stand out due to their unique features, such as zero transaction fees, extensive team collaboration tools, and support for cryptocurrency top-ups. By leveraging these advanced virtual card options, advertisers and media buyers can streamline their operations, ensuring efficiency, security, and cost-effectiveness.
As the advertising world becomes more complex, choosing the right payment solution is crucial for staying competitive and achieving success.