Top 10 Virtual Cards for Media Buying in 2026

When buying traffic on Facebook, Google, or TikTok, a reliable payment service is just as important as the other resources you use. Ad platforms routinely suspend accounts because of overused or low-quality BINs. If a provider’s cards cannot be added to your ad accounts, you will not be able to launch your campaigns.

There are plenty of payment services to choose from, which makes finding the right one difficult. Some offer free card issuance but charge high, undisclosed transaction or currency conversion fees. Others offer European or US virtual cards that ad platforms trust, but require a complicated registration process.

In this article, we explain what to look for in a payment service and review the top providers of virtual cards for media buying across ad platforms.

IMPORTANT. This information is accurate as of publication and is updated periodically. However, the terms described here may change at any time.

HowHow to Choose a Payment Service

Start with the number of BINs a platform offers. When a provider has only a few BINs, they quickly end up on ad platforms’ blocklists because of the volume of transactions from hundreds of other affiliates.

The more unique BINs a platform offers, and the more often it adds new ones, the higher the success rate when adding cards to ad accounts.

Also check whether the cards work with your chosen ad platform. Facebook, Google Ads, and TikTok use different payment verification algorithms and can treat the same BIN differently.

A card that is easy to add to Facebook may immediately raise suspicions at Google and trigger account reviews. The service should offer BINs suited to your traffic source.

Before buying cards, check the supplied BINs with third-party tools such as BinCodes or FreeBINChecker to confirm that the provider’s claims match the results.

A platform might promise a trusted European BIN while a checker identifies it as belonging to an African bank. Ad platforms detect these discrepancies immediately. Use 2–3 different checking services, since their databases are updated at different times.

The second consideration is the true cost of using the service. Media buyers often focus on low issuance fees and lose substantial amounts to hidden charges over time. Calculate the total fees in advance:

• Account funding fee: the charge for adding funds to the platform balance;
• Card funding fee: the charge for transferring money from the account balance to a specific card;
• Maintenance fee: the monthly charge for each active card;
• Transaction and currency conversion fees;
• Decline fee: the charge for a declined payment.

Decline fees matter especially on Facebook. If the platform starts collecting small charges at scale, or billing instability causes repeated payment declines, a provider with high decline fees will drive up your costs unnecessarily.

Customer support also matters. It is the main source of information about BIN acceptance rates. Before buying, ask which BINs currently have the lowest decline rates for your GEO and traffic source, and when the pools were last updated.

If support gives scripted answers and cannot provide current statistics, working with the platform will be difficult.

For account funding, the most convenient option is an instant USDT deposit without extra exchange services or lengthy checks.

Top Payment Services

To avoid payment-risk flags caused by unsuitable cards and keep spending under control, understand each provider’s terms, from actual funding fees to hidden decline charges.

Below, we review the current rates, limits, and features of the most popular payment services.

ThThe cards can pay for AI services such as OpenAI, Midjourney, and Claude, as well as renew Apple Developer and Google Play Developer accounts.

The service offers more than 20 BINs across GEOs including the US, UK, Estonia, Spain, and Brazil.

Benefits:

• Quick start without KYC: registration and activation require only an email address. You do not need to submit passport details or a selfie.
• 10 free cards: new users receive free issuance of their first 10 ADS cards immediately after registration.
• Apple Pay and Google Pay support: add cards to mobile wallets for contactless payments.
• Full 3D Secure support: transaction verification codes arrive directly in the dashboard, improving payment acceptance on ad platforms with strict checks.
• Shared BIN balance: all cards issued under a particular BIN draw from the same balance. There is no need to allocate money to each card or fund them individually.
• Funding fee refunds: when you transfer money from a BIN balance back to the main account balance, the funding fee is refunded in proportion to the amount returned.
• Unlimited issuance: there is no limit on the number of active virtual cards.

Pricing:

• Card issuance: $2–4, depending on the BIN and currency. USD and EUR are available.
• Maintenance: $0; no monthly card maintenance fee.
• Funding fee: 3–4%. Each BIN has a fixed rate, which may decrease with higher spending volumes.
• Minimum deposit: 50 USDT for cryptocurrency deposits.
• Funding methods: USDT on TRC-20 and ERC-20, plus USD and EUR bank wire transfers. The minimum wire transfer is $100.
• Hidden fees: none. Transaction terms and fees are disclosed in each BIN’s details before card issuance.

Multicards

Multicards has operated since 2021, offering USD and EUR virtual cards and agency accounts for media buying. It provides more than 80 BINs across 5 GEOs.

The cards work with Facebook, Google Ads, TikTok, and other ad platforms. They can also pay for hosting, trackers, AI services, and purchases through Apple Pay and Google Pay. The service caters to solo media buyers and large teams.

Benefits:

• Wide BIN selection: more than 80 private BINs reduce overlap with other affiliates, helping cards consistently pass payment-risk checks.
• No decline fees: the service does not charge for declined payments, saving money during periods of Facebook billing instability.
• Agency accounts: open agency ad accounts for different traffic sources at rates starting at 2%.
• Trial terms: new customers can deposit up to $5,000 without a funding fee and receive a pack of free cards to test BIN acceptance.
• Analytics and team management: assign owner, team lead, media buyer, and finance manager roles; set daily or total spending limits; and export detailed transaction histories in CSV or XLSX format.

Pricing:

• Funding fee: up to 3%, with lower rates at higher spending volumes.
• Transaction fee: 0%.
• Decline fee: $0.
• Card maintenance: free.
• Funding methods: cryptocurrency and bank wire transfers.
• Issuance terms: there is no fixed public issuance fee. Initial terms and the fee schedule appear in the dashboard after a brief verification through a Telegram bot. Managers arrange custom terms for high-volume VIP teams.

Adpos

Adpos has operated since 2020 and is registered in Hong Kong. It specializes exclusively in virtual Visa and Mastercard cards for advertising on Facebook, Google Ads, TikTok, Taboola, and Moloco.

ThThe service offers premium US and Hong Kong BINs that ad platforms trust, reducing the risk of holds when adding cards.

Benefits:

• Unrelated charges blocked: the system automatically declines third-party charges to protect the balance from hidden subscriptions and unrelated services.
• Shared balance: cards draw from one account balance, eliminating the need to fund them individually and simplifying large-scale card management.
• Bulk issuance and API: create an unlimited pool of cards and automate workflows and data tracking through API integration.
• Team controls: subaccounts support 5 roles — administrator, leader, manager, finance specialist, and user — for precise control over budgets and individual buyers’ spending.
• Payment tracking: bank statements update in real time with detailed transaction statuses: Pending means funds are on hold, Processed means the payment has been charged, and Released means funds have returned to the balance.

Pricing:

• Card issuance: $1 per card.
• Maintenance: $0; no monthly card maintenance fee.
• Funding fee: 3.5–5%, depending on the method: 3.5% for bank wires and Capitalist, and 5% for cryptocurrency. Monthly spend of at least $1 million qualifies for a review of terms to reduce fees.
• Minimum deposit: $100.
• Funding methods: USDT on TRC-20 and ERC-20, USDC, Capitalist, and bank wire transfers.
• Withdrawals: a fixed $20 fee applies when returning and withdrawing unused funds from the platform.

ABcard

ABcard launched in 2022, providing virtual cards for advertising on Facebook, Google Ads, TikTok, Taboola, and Bing.

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The platform offers US, Estonian, Hong Kong, and UK BINs from three independent banking providers, making its BINs less likely to end up on ad platforms’ blocklists.

Benefits:

• Free bulk issuance: create up to 100 cards in one click, with no issuance or closure fees.
• Direct Keitaro integration: an API connection automatically sends spending data to active campaigns in the tracker.
• Full 3D Secure support: transaction verification codes are sent to the email address specified during card creation, making ad account checks easier.
• Team management: Owner, Team Lead, and Buyer roles support individual daily or weekly limits and real-time spending monitoring for each media buyer.

Pricing:

• Card issuance and maintenance: $0, except for certain private BINs.
• Funding fee: 2.5–4.5%, based on the team’s monthly volume. Higher ad spend means a lower funding rate.
• Currency conversion fee: 2%, charged only when the card currency differs from the ad account’s payment currency. For example, paying in euros or lira with a US dollar card adds a 2% conversion fee, using the card network’s exchange rate.
• Decline fee: $0 when the overall decline rate is 10% or lower. Above that threshold, a graduated fee of EUR 0.5–0.8 applies to each failed payment.
• Minimum deposit: $150 for the initial cryptocurrency deposit and $500 for subsequent deposits. The minimum bank wire transfer is $3,000.
• Funding methods: USDT on TRC-20 and ERC-20, USDC, SWIFT, and SEPA transfers.

Pay2.House

Pay2.House belongs to the House.Group ecosystem, alongside Push.House and Cloaking.House. It issues virtual cards for advertising on Facebook, Google Ads, and TikTok Ads.

The service offers an API for automation. Full access requires standard KYC, including identity and address verification.

Benefits:

• Fee-free internal transfers: move funds instantly between accounts within the system or to Push.House and Cloaking.House balances without percentage-based fees.
• Unpaid ad spend prevention: the internal system detects and blocks accounts that add cards to run ads without paying, helping maintain BIN trust on ad platforms for longer.
• Bulk payouts and API: automate card issuance through integrations with trackers or a CRM, and send bulk payments to partners or media buyers by uploading files with payment details.
• Built-in currency exchange: convert fiat and cryptocurrency at market rates directly in the dashboard.

Pricing:

• Card issuance: $5 or €5 per card. Orders of 100 or more cards receive a 20% discount.
• Maintenance: $5 or €5 per month for each active card.
• Card funding fee: 4% for transfers from the account balance to a card. Returning money from a card to the account balance also costs 4%.
• Account funding fee: 0% via USDT on TRC-20 or a Capitalist wallet.
• Platform withdrawals: USDT on TRC-20 — 8 USDT plus 0.5% of the amount; Capitalist — 1%, with a minimum fee of $1/€1.

ePN

ePN is a payment service built for media buying, with 50+ BINs from countries including the US, UK, Brazil, and Chile. It offers dedicated advertising cards for Facebook, Google Ads, and TikTok Ads, as well as general-purpose cards. The GoAff editor personally used the service to buy domains until it requested KYC.

Manage the account through the website, apps, or a Telegram bot. Pricing depends on ad spend.

Benefits:

• BINs from less common GEOs: coverage across 12 countries lets you choose pools for specific setups that have not been overused by hundreds of other media buyers.
• Volume-based tiers: the platform has 5 account tiers, from Standard to Black. Higher monthly ad spend reduces funding fees, issuance costs, and decline fees.
• Team tools: create a team using quick invitation links. The owner then has full control over budgets, card allocation, and spending statistics.
• Telegram management: the bot offers the same functions as the dashboard, including balance checks, transaction tracking, and payment notifications.

Pricing:

Terms depend entirely on the account tier: Standard, Silver, Gold, Platinum, or Black.

• Card issuance: $2–4 per card, depending on the tier.
• Maintenance: $0; no monthly card maintenance fee.
• Funding fee: 2.5–5% of the amount credited to the card.
• Decline fee: $0.2–0.5 per declined payment.
• Minimum deposit: $50 for cryptocurrency.
• Funding methods: USDT on TRC-20 and Bitcoin (BTC).
• Platform withdrawals: 5% of the withdrawal amount.

PST.NET

PST.NET offers premium Platinum Credit virtual cards in USD and EUR for advertising on Facebook, Google Ads, TikTok, Taboola, and other platforms.tinum Credit) in USD and EUR for ad purchases on Facebook, Google Ads, TikTok, Taboola, and other networks. 

The platform has more than 25 BINs grouped by traffic source to improve payment acceptance. You can issue a card immediately after registration; standard KYC is required for continued use.

Benefits:

• Platform-specific BINs: cards are grouped by ad platform, with 17 BINs for Facebook, 12 for Google, and 3 for TikTok, reducing the risk of security-related blocks.
• PST Private: a program for solo media buyers and high-volume teams. Instead of standard fees, a package plan provides up to 100 free cards per month and 3% cashback on ad spend.
• No hidden fees: the service does not charge for transactions, declines, refunds, or transfers from cards back to the account balance.
• PST Pulse BIN checker: a built-in tool displays actual BIN acceptance statistics, transaction approval rates, and average billing thresholds across the market.

Pricing:

• Card issuance: pricing depends on the plan and card category, typically $10–16 depending on 3DS support.
• Maintenance: $10–16 per month for each active card.
• Card funding fee: varies by card type: Premium Facebook — 2.9%, Advertisement — 6%, Universal — 8%. PST Private offers lower fees.
• Account funding methods: 18 cryptocurrencies, including USDT, BTC, and ETH; SEPA/SWIFT bank transfers; and payment cards.
• Withdrawals: 0% for platform withdrawals in USDT.

MyBrocard

MyBrocard has operated since 2021, issuing virtual Visa, Mastercard, and Amex cards for advertising on Facebook, Google Ads, TikTok Ads, Telegram Ads, and Moloco.Visa, MasterCard, and Amex cards for ad purchases on Facebook, Google Ads, TikTok Ads, Telegram Ads, and Moloco. 

The service offers 30+ BINs across 4 main GEOs: the US, Hong Kong, Colombia, and Estonia. It brings cards, proxies, and agency accounts together in one interface. Verification is available through a referral from an affiliate network or a brief call with a manager. Until recently, KYC was required.

Benefits:

• 50 free cards: new users can issue their first 50 cards for free to test BIN acceptance.
• Cashback for low decline rates: the platform refunds decline fees once a month if the overall decline rate remains below 15%. Below 5%, it refunds the full amount charged.
• Affiliate network payouts: fund the account directly with payouts from CPA networks such as Marketcall, without third-party exchange services.
• Team management and limits: 4 roles — Owner, Team Admin, Team Leader, and Media Buyer — allow individual daily or weekly limits and detailed statistics for each buyer, with Excel exports.

Pricing:

• Card issuance: $2 per card after the first 50 free cards.
• Maintenance: $0; no monthly card maintenance fee.
• Funding fee: 2–7%, depending on the source: from 2% for affiliate network payouts and 7% for Capitalist deposits.
• Decline fee: $0.5 per declined payment. Part of this is refunded through cashback for a low decline rate.
• Refund and withdrawal fees: 0%.
• Minimum deposit: $500.
• Funding methods: USDT, Capitalist, affiliate network balances, and bank wire transfers.

Stellar Card

Stellar Card is an invite-only payment service for large media buying teams with high spending volumes.bitrage teams with high turnover. 

It offers 50+ BINs for advertising on Facebook, Google Ads, TikTok, and other sources. The service is designed for scale, with automatic 3DS that requires no code entry, bulk card management, and team subaccounts.

Benefits:

• Automatic 3DS (Auto 3DS): the service authenticates payments automatically, with no manual entry of one-time passcodes (OTPs), making account linking faster.
• Team controls: alongside individual spending limits, create subaccounts with separate budgets and permissions for different departments.
• Unrestricted withdrawals: withdraw working capital quickly, with no fee or minimum withdrawal amount.

Pricing:

Platform access requires a paid subscription, with terms determined by the plan:

• Subscription: Base — $100/month, Private — $500/month, Plus — custom pricing on request.
• Card issuance and maintenance: $0; no issuance or maintenance fees.
• Funding fee: 3–4% for cryptocurrency and 2–3% for bank wires, depending on the plan. Plus rates are negotiated individually.
• Decline fee: $0 if the overall decline rate is no higher than 10%. Above 10%, each decline incurs a $0.50 fee.
• Minimum deposit: $500 initially and $1,500 for subsequent deposits. The minimum bank wire transfer is $3,000.
• Funding methods: cryptocurrency and bank wire transfers.

Spendge

Spendge has operated since 2021, offering virtual Visa and Mastercard cards. It issues cards directly through its own banking programs rather than reselling third-party BINs.latform issues cards directly through its own banking programs, not by reselling third-party BINs. 

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

Benefits:

• Separate budgets: assign a card its own balance, limiting spend to the funds transferred to it, or connect it to the main account balance so all charges draw from a shared pool.
• Card transfers: move existing virtual cards between employees’ accounts within the system.
• Card Wizard: filter BINs by ad platform, choose a currency, and issue a batch of cards in a few clicks.
• Team dashboard: add employees, allocate budgets, set limits, and review spending history in real time.

Pricing:

There are standard terms and high-volume terms for monthly volume of at least €1 million:

• Card issuance: €5 per card; €1 for high volumes.
• Maintenance: €5 per active card per month; €1 for high volumes.
• Card funding fee: 3% of transfers from the account balance to a card; 1.3% for high volumes.
• Account funding fee: 1% for cryptocurrency; 1% plus $2 for high volumes. Bank wire transfers cost 0%.
• Minimum deposit: 300 USDT.
• Funding methods: cryptocurrency and bank wire 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, calculate the full cost of your setup, including hidden currency conversion fees and decline charges. Three services stand out in this review for different needs.

• FlexCard. The best-value option for most media buyers, ahead of competitors on convenience and the absence of unnecessary costs. Registration requires only an email address, with no passport checks or KYC, and immediately gives you 10 free cards. There are no monthly maintenance fees, and you do not need to fund cards individually: all cards under a particular BIN draw from a shared balance. A fixed fee applies only to funding. If you return money to the account balance, the corresponding share of the funding fee is refunded in full.
• ABcard. Suitable for bulk card issuance for Facebook or Google. There are no issuance or maintenance fees, and direct API integration with Keitaro automatically sends spending data to active campaigns in the tracker.
• Stellar Card. An option for large media buying teams with high ad spend. Its interface offers team roles, individual buyer limits, and automatic 3DS that authenticates payments without manual code entry.

The main rule when testing a payment service is to choose cards for a specific ad platform. For Facebook, where billing is often unstable, look for providers without decline fees.

For Google Ads, BIN trust matters: it helps prevent accounts from being flagged for payment verification immediately after you add a card. Calculating all costs for your setup will help you avoid unnecessary payment service expenses.