Top 10 Virtual Cards for Media Buying in 2026

When running traffic from Facebook, Google, or TikTok, a reliable payment service is just as important as your other resources. Ad networks constantly block accounts due to overused or low-quality BINs. If the service’s cards can’t be linked to your accounts, you simply won’t be able to launch your ads.

There are many payment services on the market now, so choosing the right one is tough. Some offer free card issuance but then charge high fees for hidden transactions or currency conversion. Others provide trusted European or US virtual cards but require a complicated registration process.

In this article, we break down what to look for when choosing a payment system and list the top services where you can open virtual cards for traffic arbitrage with any ad source.

IMPORTANT. The information is current as of publication and is updated periodically. But be careful — the terms described in this article can change at any time.

How to Choose a Payment Service?

The number of available BINs on the platform is crucial. If a service has few BINs, they quickly end up on ad networks’ blacklists due to the huge volume of transactions from hundreds of other arbitrageurs.

The more unique BINs a platform offers and the more frequently it adds new ones, the higher your card approval rate will be when linking them.

It’s also important to check card compatibility with specific ad networks. Sources like Facebook, Google Ads, or TikTok use different algorithms to verify payment data and react differently to the same BINs.

Some cards may link perfectly to FB, but in Google they might immediately raise suspicions and trigger account checks. The service should provide specialized BINs for your chosen traffic source.

Before buying cards, always check the issued BINs through third-party checkers (such as BinCodes or FreeBINChecker) to make sure the information claimed by the payment service matches reality.

Sometimes a platform promises a trusted European BIN, but the checker shows the GEO of an African bank. Ad platforms spot such discrepancies instantly. It’s best to use 2–3 different services for verification, since all databases update at different times.

The second key factor is the real cost of service. Media buyers often focus only on the low price of card issuance and end up losing a lot on hidden fees. You need to calculate the total commission in advance:

Deposit fee for topping up the platform balance;
Transfer fee for moving funds within the dashboard to a specific card;
Maintenance fee (monthly service fee for each active card);
Transaction fee and currency conversion fee;
Decline fee for rejected payments.

The last point is especially important when working with Facebook. If the social network starts charging micro-spends en masse or your accounts get a lot of declines due to platform turbulence, a payment service with a high Decline Fee will increase your costs for no reason.

The work of customer support also plays a huge role. In such services, support is the main source of information about BIN approval rates. Before making a purchase, you should ask the manager directly which BINs currently have the lowest decline rate for your GEO and traffic source, and when the pools were last updated.

If support responds with template scripts and cannot provide up-to-date statistics, working with such a platform will be difficult.

When it comes to topping up your account, it’s most convenient when you can instantly fund your balance via USDT without extra exchangers or long verifications.

Top Payment Services on the Market

To avoid Risk Payment issues due to poorly chosen payment solutions and to control your budget spend, you need to clearly understand each service’s terms: from actual top-up fees to hidden penalties for declines.

In this section, we’ve gathered current rates, limits, and features of the most popular payment services.

FlexCard

FlexCard is a virtual Visa and MasterCard service designed for media buying and paying for international digital products.

The cards are suitable for paying for AI services (OpenAI, Midjourney, Claude), as well as renewing Apple Developer and Google Play Developer accounts.

The service offers more than 20 BINs from various GEOs, including the USA, UK, Estonia, Spain, and Brazil.

Advantages:

Fast start without KYC: registration and account activation only require an email; you don’t need to send passport data or selfies.
10 free cards: new users receive a welcome bonus of 10 free ADS cards immediately after creating an account.
Apple Pay and Google Pay support: the service’s cards can be linked to mobile wallets for contactless payments.
Full 3D-Secure: confirmation codes for transactions are sent directly to your account, increasing payment approval rates in strict ad networks.
Unified balance: funds are tied to a shared balance for a specific BIN. You don’t need to allocate funds and top up each card separately — all virtual cards issued from this BIN use the same budget.
Fee refund: if you decide to transfer money from a BIN back to the main service balance, the top-up fee is refunded proportionally to the withdrawal amount.
Unlimited issuance: there are no restrictions on the number of simultaneously active virtual cards.

Pricing:

Card issuance: from $2 to $4 depending on the selected BIN and currency (USD and EUR available).
Maintenance: $0 (no monthly card maintenance fee).
Top-up fee: from 3% to 4% (the percentage is fixed for each BIN but may decrease with higher spend volumes).
Minimum deposit: from 50 USDT when topping up with crypto.
Top-up methods: USDT (TRC-20 and ERC-20), as well as Wire bank transfers in USD and EUR (minimum amount for Wire is $100).
Hidden fees: none, all transaction terms and fees are clearly stated in each BIN’s card before issuance.

Multicards

Multicards is a payment service operating since 2021, providing virtual cards in USD and EUR, as well as agency accounts for traffic arbitrage. More than 80 BINs are available across 5 GEOs.

The cards are suitable for linking to Facebook, Google Ads, TikTok, and other ad networks, as well as for paying for hosting, trackers, AI services, and purchases via Apple Pay and Google Pay. The service targets both solo buyers and large media buying teams.

Advantages:

Wide selection of BINs: over 80 private BINs reduce overlap with other webmasters, helping you consistently pass Risk Payment checks.
No Decline Fee: the service does not charge penalties for declined payments, which significantly saves your budget during Facebook storms.
Access to agency accounts: in addition to virtual cards, the service allows you to open agency accounts for various traffic sources with rates starting from 2%.
Favorable test conditions: new clients can top up their balance up to $5,000 with no commission and receive a package of free cards to test BIN acceptance.
Advanced analytics and team setup: in the dashboard, you can assign roles such as owner, team lead, buyer, and finance manager, set daily or overall spend limits, and export detailed transaction history in CSV and XLSX formats.

Pricing:

Top-up fee: up to 3% (the rate decreases as your spend volume grows).
Transaction fee: 0%.
Decline penalty (Decline Fee): $0.
Card maintenance: free.
Top-up methods: cryptocurrency and WIRE bank transfers.
Issuance terms: there are no fixed public rates for card issuance. Initial terms and commission structure are revealed in your personal account after a short verification via Telegram bot, and VIP teams with large volumes can get custom conditions from managers.

Adpos

Adpos is a payment service operating since 2020 and registered in Hong Kong, specializing exclusively in issuing virtual Visa and Mastercard cards for ad payments (Facebook, Google Ads, TikTok, Taboola, Moloco).

The service provides premium US and Hong Kong BINs with high trust, reducing the risk of holds when linking cards.

Advantages:

Blocking of non-target transactions: the system automatically declines any third-party charges, protecting your balance from hidden subscriptions and unauthorized services.
Unified balance: cards operate from a single account balance, so you don’t need to top up each virtual card manually, making it easier to manage a large number of cards.
Mass issuance and API: unlimited card pools can be created with no caps, plus full workflow automation and data tracking via API integration.
Advanced team setup: support for subaccounts with 5 roles (administrator, leader, manager, finance, user) allows for precise control over budgets and spend for individual buyers.
Transparent payment tracking: bank statements are updated in real time with detailed breakdown of transaction statuses (Pending — hold, Processed — debited, Released — returned to balance).

Pricing:

Card issuance: $1 per card.
Maintenance: $0 (no monthly card maintenance fee).
Top-up fee: from 3.5% to 5% depending on the chosen method. Bank transfers via Wire and Capitalist have a 3.5% rate, crypto top-ups — 5%. For monthly spend over $1M, terms are revised to lower the percentage.
Minimum deposit: $100.
Top-up methods: USDT (TRC-20, ERC-20), USDC, Capitalist, and Bank Wire.
Withdrawals: a fixed $20 fee is charged when refunding and withdrawing unused funds from the platform.

ABcard

ABcard is a virtual card service launched in 2022 for working with traffic in Facebook, Google Ads, TikTok, Taboola, and Bing.

The platform offers BINs from the USA, Estonia, Hong Kong, and the UK from three independent banking providers, making the BINs less likely to end up on ad network blacklists.

Advantages:

Free mass issuance: create up to 100 cards in one click with no issuance or closure fees.
Direct integration with Keitaro: the service connects to the tracker via API for automatic spend data transfer directly into active ad campaigns.
Full 3D-Secure: transaction confirmation codes are sent to the email specified when creating the cards, making it easier to pass checks in ad accounts.
Team interface: role support (Owner, Team Lead, Buyer) with the ability to set personal daily or weekly limits and track each buyer’s spend in real time.

Pricing:

Card issuance and maintenance: $0 (except for certain private BINs).
Top-up fee: from 2.5% to 4.5% depending on the team’s monthly turnover (the higher the spend, the lower the top-up fee).
FX conversion (currency exchange fee): 2%. Charged only when the card currency does not match the payment currency in the account. For example, if you have a USD card but pay for ads in EUR or TRY, a 2% conversion fee will be added to the payment amount at the payment system’s rate.
Decline Fee: $0 if the overall Decline Rate is up to 10%. If the percentage of declined transactions is higher, a progressive scale from 0.5 EUR to 0.8 EUR per payment error applies.
Minimum deposit: initial crypto top-up — from $150, subsequent deposits — from $500. Minimum amount for Wire bank transfers — $3000.
Top-up methods: USDT (TRC-20, ERC-20), USDC, as well as SWIFT and SEPA transfers.

Pay2.House

Pay2.House is a payment service within the House.Group ecosystem (which also includes Push.House and Cloaking.House), issuing virtual cards for running traffic on Facebook, Google Ads, and TikTok Ads.

The service provides an API for process automation, and full functionality is unlocked after completing standard KYC with identity and address verification.

Advantages:

Internal transfers with no fees: instant balance transfers between accounts within the system, as well as to partner platforms Push.House and Cloaking.House, with no percentage losses.
First-biller filtering: the internal system tracks and blocks accounts that link cards for unpaid spends, helping maintain BIN trust in ad networks for longer.
Mass payouts and API: automate card issuance via integration with your trackers or CRM, and send mass payments to partners or buyers by uploading files with payment details.
Built-in currency exchange: fiat and crypto conversion happens right inside your dashboard at market rates.

Pricing:

Card issuance: $5 or €5 per card (20% discount for orders of 100+ cards).
Maintenance: $5 or €5 monthly for each active card.
Card top-up fee: 4% when transferring funds from the system’s internal balance to the card. The same 4% applies when returning money from the card back to the balance.
Main account top-up: 0% via USDT (TRC-20) and Capitalist wallet.
Withdrawals from the platform: to USDT (TRC-20) the fee is 8 USDT + 0.5% of the amount; to Capitalist — 1% (minimum $1/€1).

ePN

ePN is a payment service built for traffic arbitrage, with a pool of 50+ BINs from different countries (USA, UK, Brazil, Chile, and more). Cards are divided into ad cards (for Facebook, Google Ads, TikTok Ads) and universal cards. The GoAff editor personally used this service to buy domains until they requested KYC.

Management is available via web version, apps, and a Telegram bot, and tariff conditions depend on your spend volume.

Advantages:

Huge pool of rare GEOs: BINs from 12 countries let you select clean pools for specific setups that haven’t been burned out by hundreds of other media buyers.
Grading system for large volumes: the platform has 5 account levels (from Standard to Black). As your monthly spend grows, top-up fees, card issuance costs, and decline penalties decrease.
Convenient team features: create a team via quick invite links, after which the owner gets full control over budgets, card allocation, and spend statistics.
Telegram management: the bot fully mirrors the dashboard functions — you can check balances, track transactions, and get debit notifications through it.

Pricing:

Terms are fully tied to account level (Standard, Silver, Gold, Platinum, Black):

Card issuance: from $2 to $4 per card depending on your current grade.
Maintenance: $0 (no monthly card maintenance fee).
Top-up fee: from 2.5% to 5% of the amount credited to the card.
Decline Fee: from $0.2 to $0.5 for each declined payment.
Minimum deposit: from $50 for cryptocurrency.
Funding methods: USDT (TRC-20), Bitcoin (BTC).
Withdrawals from the platform: service fee is 5% of the withdrawal amount.

PST.NET

PST.NET is a payment service providing premium virtual cards (Platinum Credit) in USD and EUR for ad purchases on Facebook, Google Ads, TikTok, Taboola, and other networks.

The platform offers over 25 BINs, segmented by specific traffic sources to increase payment approval rates. You can issue a card immediately after registration; standard KYC is required for further use.

Advantages:

BIN segmentation: cards are categorized for specific platforms (17 BINs for Facebook, 12 for Google, 3 for TikTok), which reduces the risk of blocks by the security algorithms of these ad networks.
PST Private Program: a special service format for solo buyers and teams with large volumes. Instead of standard fees, you can opt for a package plan offering up to 100 free cards per month and 3% cashback on ad spend.
No hidden fees: the service does not charge for transactions, declined payments (Decline Fee), refunds, or withdrawals from cards back to balance.
Own BIN checker (PST Pulse): a built-in tool showing real BIN approval stats, transaction approval rates, and average billing thresholds in the market.

Pricing:

Card issuance: cost depends on the plan and category (on average from $10 to $16 depending on 3DS availability).
Maintenance: from $10 to $16 monthly for each active card.
Card funding fee: depends on card type (Premium Facebook — 2.9%, Advertisement — 6%, Universal — 8%). Fees are reduced under the PST Private program.
Main balance funding: available via 18 cryptocurrencies (including USDT, BTC, ETH), SEPA/SWIFT bank transfers, and payment cards.
Withdrawals: 0% fee for withdrawals from the platform in USDT.

MyBrocard

MyBrocard is a payment platform operating since 2021, issuing virtual Visa, MasterCard, and Amex cards for ad purchases on Facebook, Google Ads, TikTok Ads, Telegram Ads, and Moloco.

The service offers 30+ BINs for 4 main GEOs (USA, Hong Kong, Colombia, Estonia) and combines card management, proxies, and agency accounts in a single interface. Verification can be completed via a referral from a partner network or a short call with a manager. Until recently, KYC was required.

Advantages:

50 free cards: new users can issue their first 50 cards free of charge to test BIN approval rates.
Cashback for low Decline Rate: the platform refunds the decline fee once a month if the overall decline rate stays below 15%. If the decline rate is below 5%, the full amount is refunded.
Payouts from affiliate networks: your account balance can be topped up directly with payouts from CPA networks (for example, Marketcall), bypassing third-party exchangers.
Team management and limits: set up 4 roles (Owner, Team Admin, Team Leader, Media Buyer) to assign personal daily or weekly limits and track detailed statistics for each buyer with export to Excel.

Pricing:

Card issuance: $2 per card (after using the first package of 50 free cards).
Maintenance: $0 (no monthly card maintenance fee).
Top-up fee: from 2% to 7% depending on the source. For affiliate network payouts — from 2%, for top-ups via Capitalist — 7%.
Decline Fee: $0.5 for each declined payment (part of the amount is returned via cashback for a low Decline Rate).
Refund and withdrawal fee: 0%.
Minimum deposit: from $500.
Top-up methods: USDT, Capitalist, affiliate network balance, WIRE bank transfers.

Stellar Card

Stellar Card is a closed payment service (invite-only), focused on large arbitrage teams with high turnover.

The platform offers 50+ BINs for ad spend in Facebook, Google Ads, TikTok, and other sources. The service is designed for large-scale operations: it features automatic 3DS without code entry, bulk card management, and sub-accounts for teams.

Advantages:

Automatic 3DS (Auto 3DS): payments are confirmed on the service side automatically, without manual OTP code entry, speeding up account linking.
Advanced team setup: in addition to setting limits for buyers, the interface supports creating sub-accounts with their own budgets and permissions for different departments.
Withdrawals without conditions: if you need to withdraw funds from the service, money is withdrawn quickly with zero commission and no minimum amount restrictions.

Pricing:

Access to the platform is paid and subscription-based, with terms depending on the selected plan:

Subscription fee: Base — $100/month, Private — $500/month, Plus — individually upon request.
Card issuance and maintenance: $0 (cards are free, no issuance or maintenance fees).
Top-up fee: crypto — 3–4%, Wire — 2–3% depending on the plan. For the Plus plan, rates are individual.
Decline Fee: $0 if the overall Decline Rate does not exceed 10%. If the percentage of declined payments rises above 10%, a $0.50 fee per decline is activated.
Minimum deposit: first time — from $500, subsequent top-ups — from $1500. For Wire transfers, the minimum is $3000.
Top-up methods: cryptocurrency and WIRE bank transfers.

Spendge

Spendge is a virtual Visa and Mastercard card service operating since 2021. The platform issues cards directly through its own banking programs, not by reselling third-party BINs.

The cards are designed for paying for ads on Facebook, Google, TikTok, Microsoft Ads, and Taboola. US and European BINs are available in different currencies and with 3DS support.

Advantages:

Budget separation: you can link a card to an isolated balance (spending is limited to the amount transferred to the card) or connect it to the main account balance so funds are debited from a single pool.
Card transfer: within the system, you can move ready virtual cards between employee accounts.
Fast launch (Card Wizard): the selection tool lets you instantly filter BINs for specific platforms, choose a currency, and issue a batch of cards in a few clicks.
Team dashboard: you can add employees, allocate budgets, set limits, and view spending history in real time.

Pricing:

Terms are split into base and large volumes (for turnover from €1 million per month):

Card issuance: €5 per card (for large volumes — €1).
Maintenance: €5 per month for an active card (for large volumes — €1).
Card top-up fee: 3% of the transfer amount from the account balance to the card (for large volumes — 1.3%).
Main balance top-up: 1% via cryptocurrency (for large volumes — 1% + $2); 0% via Wire bank transfers.
Minimum deposit: from 300 USDT.
Top-up methods: cryptocurrency and Wire bank transfers.

Comparison table of payment services

Service	Card Issuance	Maintenance	Top-up	Decline Fee	Min. Deposit	Features & GEOs
FlexCard	$2 – $4	$0	3% – 4%	$0	50 USDT	5 GEOs, 80+ BINs, agency accounts from 2%
Multicards	From 5 cards free	$0	Up to 3%	$0	Individually	USA, Hong Kong. Blocks any non-targeted charges
Adpos	$1	$0	3.5% – 5%	$0	$100	4 GEOs. Direct API integration with Keitaro tracker
ABcard	$0	$0	2.5% – 4.5%	$0 (if DR up to 10%)	$150	0% transfers within House.Group ecosystem
Pay2.House	$5 / €5	$5 / €5 per month	4% (to card)	$0	$50 (to card)	12 rare GEOs (Latam, Asia), managed via TG bot
ePN	$2 – $4	$0	2.5% – 5%	$0.2 – $0.5	$50	Invite-only, automatic 3DS
PST.NET	$10 – $16	$10 – $16 per month	2.9% – 8%	$0	Not specified	USA, Europe. Direct card issuance without resellers

Conclusion

When choosing a payment service, you should immediately calculate the full cost of the infrastructure, including hidden currency conversion fees and decline penalties. Based on this review, three main services stand out for different needs.

FlexCard. The most cost-effective option for most media buyers, outperforming competitors in convenience and lack of extra expenses. The service gives 10 free cards right after registration, which only requires an email—no passport or KYC checks. There is no monthly card maintenance fee, and you don’t need to distribute funds to each virtual card separately, since all issued cards work from a shared balance for a specific BIN. A fixed fee is charged only for top-ups, and if you decide to return funds back to your account balance, this fee is fully refunded proportionally to the withdrawal amount.
ABcard. A suitable solution for those who need mass card issuance for Facebook or Google. There are no issuance or maintenance fees, and direct API integration with the Keitaro tracker allows you to automatically transfer spend data directly into active ad campaigns.
Stellar Card. An option for large media buying teams with high spend volumes. The interface offers advanced team setup with role separation, buyer limits, and automatic 3DS, which confirms transactions on the service side without manual code entry.

The main rule when testing any payment service is to choose cards for a specific ad network. If you’re running traffic on Facebook, where billing is often unstable, look for services without decline fees.

For Google Ads, the trustworthiness of BINs is crucial to prevent accounts from being flagged for payment verification immediately after linking. Carefully calculating all expenses for your specific needs will help you avoid unnecessary costs on payment solutions.

Top 10 Virtual Cards for Media Buying in 2026

How to Choose a Payment Service?