Ultimate Tier List of the Best Virtual Cards in 2024

What’s up, homies? 
Eager to know which virtual cards are the best in 2024 and which one can benefit you the most? You’ve come to the right place!

Welcome to the ultimate showdown of the best virtual card services for online payments, including media buying on platforms like Google Ads, Facebook Ads, TikTok Ads, and every other ad platform you can think of. Many virtual card services let you spend your digital assets at regular stores, so this article will appeal not only to online shoppers and media buyers, but also to web3 enthusiasts. 

We’ve crafted a tier list of virtual cards from the very best (S) to those best avoided (F). In our review of the best virtual cards of 2024, we have provided detailed explanations of our ratings. So, let’s get started!

1. LinkPay.io

We’re kicking off our review with the next-gen virtual cards from LinkPay. Sounds promising, right?

So, what do we know about this service? Rumor has it, it’s the brainchild of former executives from major financial corporations, which explains why the LinkPay team has managed to bring several game-changing advantages to the market that truly deserve the next-gen label.

LinkPay offers a diverse array of features and trusted solutions tailored to meet the needs of businesses and individuals. All-in-all LinkPay offers a secure platform for spending your digital currency in any store (just like regular payment cards) with a 3% cashback on all purchases!

LinkPay Review

To get started with LinkPay, you don’t even need personal documents (in other words, no KYC required). The process takes just a minute, and you’re ready to go:

1. Sign-up to linkpay.io;
2. Deposit your account with a without fees (withdrawals are also fees-free btw);
3. Issue and top-up your virtual card;
4. Now you can spend your assets at any store with a 3% cashback on all purchases.

Thanks to their subscription model, this service offers the most favorable fees. 

We have started with Plus plan and ended up with Ultra plan as it was so profitable (up to 100 free virtual cards, much better rates, bigger cashback, etc). 

To put it simply, all the plans paid off within 1-2 days for us.

User-Friendly Interface

LinkPay has an intuitive and user-friendly interface that simplifies the payment process, and makes it easy for users to complete transactions efficiently. 

Global Reach and Scalability

One of the next-gen features of this service is called Merchant – its ability to not just make payments, but also accept them – in both digital currency (with a choice of over 700 types) and fiat currencies, including Visa/Mastercard in any currency. This feature is even available on the free plan.

It seems that LinkPay offers one of the quickest and most efficient ways to start accepting online payments in 2024.

Customer-Centric Approach

Upon reviewing LinkPay’s approach, it appears to us that they genuinely consider their customers as the most valuable asset in their business: they have helped me with a small bug with my sign-up process (turned out it was from my email app). You can expect customer-centric features that will satisfy even the most hardcoded media-buying freaks! 

User Experience and Feedback

In 2024, LinkPay cards have been recognized as the top choice by Payments Cards and Mobile, one of the most respected publishers in the PayTech industry. 

Internet users praise the LinkPay service for its favorable conditions, convenience, and prompt support, highlighting these as its main advantages.

Key Features and Services:

Pay for Any Goods and Services with Ease

LinkPay enables users to pay for a wide range of goods and services, including popular platforms such as:

• Google Ads;
• Facebook Ads;
• Twitter Ads;
• Bing Ads;
• TikTok Ads;
• Taboola;
• Amazon;
• Airbnb;
• OpenAI;
• DigitalOcean;
• Midjourney;
• Netflix;
• Spotify;
• World of Warcraft;
• Steam;
• and many others. 

Best Virtual Cards for Seamless Transactions

The LinkPay service hits all the right notes with its sweet 3% cashback offer on every purchase.  

Meanwhile, buying with a virtual card follows the same steps as using a regular one: you input the card details when they are needed. If 3D-S code confirmation is needed, it’s sent to the user’s email or personal account.

LinkPay allows to avoid those pesky decline fees, and deposit charges. Moreover, they’ve set a low-key withdrawal threshold of a mere $10. Juggling your expenses between digital assets, USD and EUR accounts has never been smoother.

LinkPay isn’t just another run-of-the-mill payment service; it’s all about bringing you those extra-cool features that others often miss out on. Here’s a sneak peek at just a few:

• Manage your team’s expenditures effortlessly with LinkPay. The service enables you to issue countless virtual credit cards and oversee business expenses with ease;
• LinkPay provides a sophisticated access control system that regulates functions like card issuance, sets spending limits for different users, and grants access to transaction history;
• Dive into LinkPay’s Merchant feature. Easily pay and receive payments on your website, whether in fiat or not, through a simple frame. No special skills required (e.g. software programming), as well as bank visits. Installation takes approx an hour;
• The best part? LinkPay run their own affiliate program, so you can easily score $100+ for every user you bring in;
• The service regularly run social media contests. Stay tuned for their social media accounts if you want a freebie. They run different contests on different platforms so it will be a smart move to subscribe to all their socials. 😂 

Telegram;

X;

Facebook;

Instagram;

LinkedIn.

Our Verdict

2. MyBroCard aka Brocard

MyBrocard is your go-to payment card service tailor-made for media buying activities. This platform dishes out cutting-edge financial solutions to streamline your advertising campaigns.

With a whopping 30,000+ clientele under its belt (unverifiable data), comprising media buying maestros and web gurus from every nook and cranny of the globe, this company has clinched some serious trust.

MyBroCard Review

The service prides itself on its user-centric approach. A truly intriguing feature, however, its integration with various advertising platforms and affiliate networks could prove beneficial for some users.

Key Features of MyBroCard 

• First 50 cards are for free, and new cards will cost you;
• Dedicated customer support team;
• Teamwork tools;
• Instant card issue;
• USA BIN.

Our Verdict

3. Capitalist CardsPRO

CardsPro is a service orchestrating the issuance and orchestration of virtual cards hailing from the illustrious Capitalist payment system. With a decade of mastery under its belt in the affiliate marketing realm, this company stands as a beacon of expertise.

Crafted for media-buying teams navigating the labyrinth of advertising crusades and web-tool transactions across a myriad of platforms, users can breathe life into their balance using both fiat and other currencies.

Capitalist CardsPro Review:

Unlimited Card Issuance

Users can create an unlimited number of cards within a single CardsPro account, choosing to issue them individually or in bulk as per their requirements.

Flexible Balance Options

Topped up individually for each card.

Common Balance

Shared among multiple cards, linked to a single balance for streamlined management.

Account Replenishment

Users can fund their CardsPro accounts by topping up the associated Capitalist account.

Diverse Funding Methods

You can replenish your balance in your Capitalist account through various means, including bank transfers (SWIFT/SEPA), digital currencies (BTC, USDT, ETH, USDC), or affiliate network payouts, with minimum deposit amounts starting at $10 for the US and $25 for HK and the UK.

Fee Structure

While CardsPro does not charge a monthly service fee, there are fees associated with transactions, account replenishment, and card issuance, varying based on the chosen BIN. 

For instance, transaction fees can start from $0.5, while card issuance costs remain consistent across all BINs, which is $2.5. Yeah, it sounds confusing.

Solutions for VIP Clients

Bigwig clients get the royal treatment with tailored conditions and one-of-a-kind goodies, all thanks to the CardsPro squad, who are on standby to hash out those special terms (that’s what the commercial said).

Key Features of CardsPro

• Support for multiple BINs;
• Swift setup process with rapid card issuance;
• Personalized conditions for VIP clients (in fact all those services do that);
• Flexibility in balance replenishment with fiat and other options;
• Team collaboration through the Team mode feature;
• Dedicated support from experts in affiliate marketing;
• Access to detailed work statistics within the personal account, enhancing performance tracking and optimization opportunities.

Our Verdict

4. PST.NET

If you’re diving deep into the realms of online advertising, affiliate marketing, or shopping, then the goodies from PST.NET are definitely worth a peek!

PSTNET Review:

While the company boasts about having the most extensive array of BINs, this claim remains unsubstantiated, given that only 5 BINs are currently available to the average user.

BIN, an acronym for Bank Identification Number, represents the initial six digits of a credit or debit card, pinpointing the issuing bank or institution along with other pertinent payment details.

Enhanced Security

Just like a savvy guardian angel, PST swoops in to shield users from fraud and whisk away potential risks, much like any other virtual card services.

Key Features of PST.NET

When it’s time to juice up your PST.NET cards, the refueling stations are overflowing with options. Whether you’re plunging into the realm of currencies like Bitcoin (BTC) and Tether (USDT) or sticking to the tried-and-true classics with debit/credit cards, users are swimming in a sea of choices.

Minimum Withdrawal Threshold

When it comes to pulling out cash from PST, get ready for a wild ride. To kick things off, the minimum withdrawal sum is a hefty $500. 

On the flip side, while PST may keep you hanging for up to a fortnight before your withdrawal sees the light of day, LinkPay works like a charm, processing your cashout on the very same day.

Assistance

The PST.NET crew claims to have an experienced support team,  armed and primed to cater to the varied whims and fancies of their users.

All that would be nothing, but they couldn’t help to accelerate two-week long waiting for withdrawal of funds.

Payment Security

With the self proclaimed shield of 3D secure cards, PST.NET ensures that payment security reigns supreme, empowering users to traverse the global transaction landscape with peace of mind and confidence.

Our Verdict

5. EPN.NET

EPN.NET is a dedicated solution for affiliate teams, offering a lifeline to manage expenses and dodge the ban-hammer with finesse (hope it works).

EPNNET Review:

A Symphony of Funding Options

Just like at another three-letter service, PST.NET, you can fund your EPN.NET account with the likes of USDT or BTC, or opt for the classic elegance of wire transfers. Or you can tap into the wisdom of a support maestro for a detailed guide on securely transferring funds to your balance.

Tailored Top-Up Flexibility

EPN.NET dances to the beat of instant card issuance, beckoning users with a tantalizing minimum top-up threshold of $30 for a complimentary card. 

Once the KYC verification stars align in your favor, the gates swing open to unlimited card issuance at no additional cost. The KYC verification process, a journey that can span from minutes to days, sets the stage for your grand entrance.

Unlimited Virtual Card Issuance

Unleash the floodgates of creativity with EPN.NET’s offering of boundless virtual card issuance opportunities. Dive into the realm of blockchain-fueled online escapades, spanning advertising campaigns across illustrious platforms like Facebook Ads, Google Ads, Microsoft Ads, TikTok Ads, and more.

Key Features of EPN.NET:

• US cards tailored for media buying (bad for other user cases imho);
• Unique cards for each ad account at no cost;
• Cashback on the first deposit fee of up to $10K (you can risk it lol).

Service Highlights:

• Free card issuance without quantity restrictions;
• The minimum top-up amount is set at $30;
• Access to 22 US BINs;
• Ordinary 2.5% top-up fee with some hidden fees;
• Responsive support is available on Telegram.

Service Limitations:

Account verification is necessary for issuing subsequent cards.

Our Verdict

6. YesCard

YesCard positions itself as a tool for media buyers and marketers. across a spectrum of platforms.

YesCard Review:

YesCard simplifies the virtual card issuance process for kickstarting and overseeing ads in the realm of affiliate marketing and media buying, flaunting spending management tools.

This platform ensures a speedy card rollout and top-ups, fostering teamwork through collaborative features embedded within corporate accounts.

While YesCard’s virtual cards play nice with any ad network, they’re particularly adored for their prowess on platforms such as Facebook.

At the moment, YesCard shows only one BIN 486521 Visa US, with future plans to introduce more BINs down the line.

Upcoming developments include beefed-up functionalities for media buyers to dive into affiliate programs and B2B networks right within the platform, coupled with API integration and bulk card actions like issuance and freezing.

Replenishment and Bonuses:

YesCard simplifies the financial juggle by consolidating all card balances into one, waving goodbye to the hassle of topping up individual cards. Users can navigate their expenses through adjustable limit settings, paired with an intuitive filter system and a handy data picker for detailed report uploads.

A minimum deposit of $500 is the golden rule here, with deposits in USDT making the transaction smooth sailing. While USDT ERC20 is currently up for grabs, USDT TRC20 is on the horizon.

For larger teams seeking tailor-made solutions, personalized terms are just a request away, coupled with a tempting deal of snagging the first 50 cards for free. Post the initial 50, each subsequent card comes at a modest price of $0.50.

To dive into this enticing offer, users are urged to hop on board, register, and kick off their first top-up within 1–2 days of account activation.

Key Features of YesCard:

• Centralized balance management eliminates manual card recharges;
• Unlimited card issuance for advertising payments;
• Adaptable limit settings for enhanced control;
• User-friendly filter system within the account interface;
• Access to comprehensive financial reports;
• Collaborative features for team-based operations;
• Compatibility with various GEO locations for expanded reach.

Our Verdict

7. Adpos

Tailored for the niche clientele within the affiliate marketing and advertising domains, Adpos flaunts a web of partnerships spanning over 20 affiliate networks.

Refueling card balances is a breeze with a menu of options including USDT (TRC20, ERC20), wire transfers, and Capitalist (yes, with the help of the competitor).

But wait, there’s more! Adpos elevates the art of card management efficiency through a tapestry of features like teamwork functions, platform roles, and subaccounts, all designed to cater to the whims and fancies of media buying teams.

Adpos Review:

Adpos’ cards are finely tuned for the Facebook Ads arena, with the platform custom-crafted for seamless integration with Facebook Ads right from the get-go (however, no one will guarantee that you won’t get banned for a risk payment.).

There are rumors that these cards play nice with major native ad networks such as Taboola, Outbrain, and Dable. Although this could have been said by the service representatives themselves, lol.

The service dishes out robust collaborative functions, platform roles, and subaccounts, all geared towards smoothing out card management within affiliate teams.

Team leaders can revel in nifty features like Card Alias tags, billing reports, and a slew of tools to supercharge management efficiency.

Customer support clocks in from Monday to Friday. For queries or a helping hand, users can ping their account manager on Telegram or drop a line on Salesmartly.

Key Features of Adpos:

• BINs sourced from Hong Kong and the USA, ensuring quality and reliability;
• Competitive rates with Card CAPs starting from just $1, offering cost-effective solutions;
• Easy replenishment of ad network payments through partnerships with 20+ leading ad networks;
• Efficient card management capabilities, designed to handle multiple ad accounts with ease;
• Team management and budget plan setting features enable effortless management of numerous cards across various ad accounts, facilitating allocation and budget planning for team members;
• Real-time billing reports are accessible through direct integration with payment processing networks, ensuring swift access to transaction records.

Our Verdict

8. Volet

Volet is an updated version of the former AdvCash payment system, which is now in the vast graveyard of virtual card services

Volet Review:

Volet is all about that blockchain  life, backing a lineup of digital currencies like Bitcoin, Litecoin, Ethereum, Ripple, Bitcoin Cash, and ZCash, with a promise to roll out more digital assets down the road. When it comes to traditional fiat currencies, Volet’s got your back with EUR, BRL, KZT, RUB, UAH, and USD.

A standout perk of Volet is its slick funding process and knack for juggling multiple currencies under one roof, making it a hit among virtual debit card aficionados.

Just a heads-up: users from USA are currently out of luck when it comes to tapping into Volet.

Key Features of Volet:

While various cards are available, specific fees may vary. The fees outlined below have been provided by Volet representatives and are card-specific. It is essential to verify the fees associated with the card you are applying for before proceeding.

Volet cards do not have a direct link to digital assets. To use the card, users must transfer fiat money from their Volet account’s fiat wallets. 

Volet recently introduced wallets, enabling users to hold BTC, ETH, USDT, and USDC directly within their Volet account, expanding the platform’s functionality.

An issuance fee of USD 29.95 applies to the plastic card.

In addition to core fees, there are specific charges that users are likely to encounter, including withdrawal fees, chargeback fees, re-issuance fees, ATM decline fees, and inactivity fees for both plastic and virtual cards.

Notably, purchases in most fiat currencies incur a 2.95% FX-conversion fee.

Volet aims to introduce the Volet Global card, offering Plastic UnionPay and Mastercard cards in USD to customers across supported countries.

Our Verdict

9. Karta.io

Karta.io zeroes in on dishing out budget automation solutions to companies. Their repertoire includes an all-in-one payments hub and virtual cards, paving the way for streamlined operations and freeing up bandwidth for growth and expansion.

Karta.io Review

Born out of an in-house solution to tackle their team’s hurdles, Karta.io morphed into a service catering to a broader business audience.

Geared towards finance squads, Karta.io jazzes up spend management by serving up a platter of consistency, accessibility, and adaptability, opening up fresh avenues for your company’s financial maneuvers.

With Karta.io cards in your arsenal, you can whip up virtual cards, set limits, grease the wheels for payments, and reign supreme over your expenses.

Our Verdict

10. Getsby

Getsby is a virtual Mastercard gift card provider, opening doors to spots that welcome the MasterCard stamp. Their forte lies in reloadable cards tailored for both personal and business ventures.

Getsby rolls out an array of virtual cards, from the reloadable Getsby Virtual Green Card to the one-time anonymous debit Getsby Virtual Black Card, and the business-centric Getsby Virtual Gift Card, each designed to cater to distinct customer needs.

Getsby Review:

The Virtual Green Card comes with a monthly fee of €0.99, applicable after the 2nd month and subject to fund availability. It offers 0% transaction fee, a 3.0% top-up fee with a minimum of €2.00, and an FX fee of 2%.

On the other hand, the Virtual Black Card has no monthly fee, transaction fee, and a 2.0% FX fee.

For the Virtual Business Gift Card EUR and GBP, both have no monthly fee, transaction fee, and a 2.0% FX fee.

Getsby provides three distinct virtual cards: the reloadable prepaid Getsby Virtual Green Card, the one-time usable anonymous debit Getsby Virtual Black Card, and the Getsby Virtual Gift Card tailored for business customers.

Key Features of Getsby:

In terms of pricing, the Virtual Green Card activation fee is €3.99 plus 3%, while the Virtual Black Card activation fee is €2.99 plus 3%. 

The Virtual Business Gift Card EUR activation fee is €3.99 plus 2.0%, and the Virtual Business Gift Card GBP activation fee is £3.99 plus 2.0%.

Regarding ATM withdrawal fees, the Virtual Green Card incurs €2.00 for withdrawals, €0.50 for balance inquiries, and €0.50 for changing the PIN at an ATM. 

The Virtual Black Card does not support ATM withdrawals but charges €0.50 for changing the PIN at an ATM. ATM withdrawals are not available for the Virtual Business Gift Card EUR and GBP.

Card limits vary: the Virtual Green Card allows up to €9,000 per day and €30,000 per month, with ATM withdrawal limits of €600 per day and €3,500 per month. 

The Virtual Black Card has load limits ranging from a minimum of €5.00 to a maximum of €500, and spend limits of €2,500 per day and €30,000 per month. 

The Virtual Business Gift Card EUR has load limits from a minimum of €5.00 to a maximum of €1,000, while the Virtual Business Gift Card GBP has load limits from a minimum of £5.00 to a maximum of £750.

Our Verdict

11. Lamanche Payments

Lamance Payments stands tall, safeguarding the sanctity of BINs while offering a bottomless pit of card issuance sans any pesky issuance or upkeep fees, making it a good alternative to pay for advertising expenses

Lamanche Payments Review:

Lamanche Payments struts its stuff sans any upfront bills, flaunting a dazzling array of 7 BINs spread across three heavyweight payment systems (Visa, Mastercard, UnionPay), making it a cakewalk to mesh with advertising platforms.

Key Features of Lamanche Payments:

• 100% return of funds on the tenth day (bad, very long);
• Provision of a dedicated wallet;
• Availability of three payment systems and 7 BINs;

Our Verdict

12. FlexCard

FlexCard is a relatively new service with decent terms for Facebook, Google Ads, TikTok, and greasing the wheels for affiliate service payments.

FlexCard Review:

FlexCard offers several top-up options for your cards:

• You can reload your cards using USDT;
• Transfer funds via bank transfer with no extra fees;
• Utilize your affiliate balance for card top-ups without facing any additional charges. 

With a minimum deposit requirement of just 50 USD, you can recharge your cards using USDT or funds from your affiliate account. The minimum deposit amount starts at 100 USD when it comes to bank transfers.

Each BIN category entails distinct replenishment commissions:

• BINs Sophia and Barcelona: 3.5%;
• BINs Edinburgh, Delhi, Tokyo, Monaco, and Paris: 4%;
• BIN Washington: 4%.

Key Features of FlexCard:

• Card pricing starts at 2 EUR;
• Only three BINs we could access;
• No issuance limits, ensuring swift card issuance;
• 3.5%+ commission for replenishment;
• Minimum replenishment amount of 50 EUR;

Our Verdict

13. Stellar Card

Stellar Card rolls out the red carpet with sweet deals and many BINs for b2b users.

Stellar Card Review:

To kickstart your journey with Stellar Card, you need to register on the platform, engage in a brief interview with the support manager, and activate your account.

During the activation process, you’ll be required to provide details on your intended traffic sources, your business purposes, and your planned budget. While additional queries may arise, these initial responses typically suffice for activation.

Key Features of Stellar Card:

Once your account is activated, here’re benefits you can expect:

• Extensive array of BINs;
• Unified balance overview for all cards;
• Customizable card and user limits;

Upon activation, a 14-day trial period commences, during which you can fund your account with a 3% commission. Subsequently, you can opt for one of the subscription plans:

• $100/month with a 4% commission;
• $200/month with a 3% commission.

Noteworthy is Stellar Card’s team functionality, distinguishing between administrator and employee roles. Administrators enjoy full access to all features and management tools, while users have limited access to their cards, transactions, and profile settings.

The initial section visible to new users, especially administrators or account owners, is the Cash (Account) section, showcasing the current balance and holdings, with a convenient option for quick balance top-ups immediately post-account activation.

Our Verdict

14. YeezyPay

YeezyPay is a service specializing in renting and replenishing agency accounts within popular advertising networks, particularly optimized for Google Ads campaigns.

YeezyPay prides itself on offering a user experience with a minimal withdrawal fee of 5%, rapid account replenishment, and round-the-clock customer support.

Key Features of YeezyPay:

• Intuitive interface;
• Compatibility with Google advertising platforms;
• Wire/Sepa replenishment for companies without extra fees;
• Real-time monitoring of advertising expenditures.

Things To Keep in Mind While Working With YeezyPay:

• Agency account require an email with no history of Google Ads bans;
• Only one advertising account can be linked to a single email;
• A 1% commission applies when exchanging USDT to USD;
• A 5% commission is levied on advertising account replenishment;
• In case of an agency account ban, the deposit amount is refunded to the YeezyPay account minus the 5% commission;
• Utilize a Google account with a verified phone number;
• Recommended to register emails from Europe, Turkey, and the CIS (excluding Russia and Belarus);
• When connecting multiple cabinets on one device, anti-detect browsers and proxies under the Gmail GEO account are advised;
• For agent cabinets, new accounts in the advertising network are preferred; connecting existing ones requires consultation with a YeezyPay manager.

Google Ads accounts are seamlessly linked up, while the setup for Facebook Ads accounts and Unity Ads is handled manually by the YeezyPay crew.

YeezyPay Review:

Account Replenishment Options: Bank Wire and USDT

Minimum Deposit (including commission): 104 USD In the event of account bans, funds are fully reimbursed to the YeezyPay account (minus a 5% commission)

Our Verdict

15. Webscard

Webscard is another service with virtual cards designed to elevate your media buying adventures.

Webscard Review:

Webscard’s solutions are custom-crafted to tackle the business hurdles and demands of media buying squads. Webscard takes pride in its lineup of virtual cards sourced from several banks, although no one knows if this is true.

Webscard’s services and solutions are categorized into three main areas:

• Service for issuing international virtual Visa and Mastercard cards with several BINs from European banks for advertising payments, online store purchases, and SaaS services such as Facebook Ads, Instagram Ads, Google Ads, TikTok Ads, DigitalOcean, Heroku, Canva, Adobe, Steam, and PSN;
• White Label solutions tailored for affiliate networks and teams;
• API integration designed for business clients.

Key Features of Webscard:

• In-house card preprocessing capabilities enabling MCC (Merchant Category Code) restrictions management;
• Versatile card functionalities allowing payments for services, online store purchases, and wallet top-ups like PayPal;
• Gold and Platinum card programs ensuring heightened acceptance rates in advertising networks;
• All conversions are executed at Visa and Mastercard payment system rates;

Our Verdict

16. Multicards 

Multicards strides in as a service that empowers users to whip up virtual cards for online payments, including the nifty ability to settle advertising account bills.

Multicards Review:

Post-signup, users can swiftly conjure up a virtual card right within the Multicards arena. Customize the card type, set limits, and link it up with your advertising accounts to grease the wheels for campaign payments in a secure and hassle-free manner.

Moreover, Multicards dishes out detailed transaction insights, giving users the power to dissect and handle finances with a touch of finesse. Dive into comprehensive data on payment sums, transaction timestamps, and receive transaction alerts, empowering savvy financial decision-making.

Key Features of Multicards:

• Access trust cards through Multicards, ensuring secure payments in advertising accounts with additional protective measures, simplifying cabinet operations.
• Set usage limits on virtual cards to control expenses effectively. Establish a maximum payment threshold to prevent unauthorized transactions and manage spending.
• Multicards offers round-the-clock support to users. Reach out to the support team for prompt assistance at any time, addressing queries or issues promptly.
• Safeguarding user data integrity, Multicards ensures transaction and payment information remains confidential and secure. Access all pertinent data conveniently within your account for swift reference.
• Multicards prioritizes the safety and security of payments and user data. Employing two-factor authentication for payment data access enhances security measures. All operations undergo monitoring not just by users but also by the dedicated team.

Our Verdict

17. Сardgen 

What about Сardgen, a fresh-faced platform dishing out virtual card solutions finely tuned for the world of media buying. The only toll you’ll encounter is a harsh 4% fee for card top-ups, guaranteeing a seamless and almost budget-friendly journey.

Сardgen Review:

Elevate your squad’s prowess by doling out cards and keeping tabs on expenditures and transactions with live stats right at your fingertips within your personal account.

To obtain a Сardgen virtual card, follow these steps:

• Register on the platform;
• Fund your account with digital currency;
• Request a card issuance;
• Replenish your card balance;
• Once completed, you are free to utilize the funds as needed.

A crucial requirement for Cardgen is the initial card top-up of at least 1000 euros.

Key Features of Сardgen:

• Instant card issuance;
• Customizable spending limits;
• Team card issuance capabilities;
• CSV import functionality;
• Over 25 card designs available.

Our Verdict

18. Spendge 

Spendge is the go-to service for affiliate marketers, offering up virtual cards solely for shelling out those advertising office bills.rfrj

With fresh BINs up for grabs at a strange rate of 5 euros per card and the freedom to churn out cards endlessly, Spendge cannot offer the market anything new.

Spendge Review:

Spendge caters to both teams and solo media buyers, offering account types: Individual or Team.

Team accounts feature an administrator who can create sub-accounts for team members.

Virtual Visa/MasterCard cards with UK, Ireland, and Bulgaria BINs are provided by Spendge, with card currencies aligned as follows:

• UK: GBP;
• Bulgaria: EUR and USD;
• Ireland: EUR.

Pricing entails a 5 EUR issuance fee per card and a 5 EUR monthly maintenance charge, automatically debited as a service fee.

Replenishment options include USDT and wire transfer, with a minimum deposit requirement of 300 USDT for digital currencies, subject to a 1.5% deposit commission.

For balance top-ups, users can contact support, with a minimum deposit of 1000 EUR/USD/GBP. A 25 EUR + 0.5% commission applies to replenishments via wire transfer.

Additionally, Spendge imposes a 2.5% commission on deposit amounts, along with a specific commission for BINs starting with the number 4,

Key Features of Spendge:

• Individual card cost: 5 EUR;
• BINs available in USD, GBP, and EUR;
• Instant card issuance;
• Deposit options in USDT and via wire transfer;
• 1.5% commission for USDT deposits;
• 25 EUR + 0.5% commission for wire transfer deposits;
• 2.5% commission for internal service replenishment

Our Verdict

19. AdsCard 

The virtual cards from AdsCard harmonize effortlessly with a plethora of international advertising platforms and networks, ensuring a seamless ride for users across the globe.

AdsCard Review:

Users can effortlessly top up their virtual cards from AdsCard in dollars via TRC, ERC, Capitalist, or the classic bank transfer, with the freedom to splurge those funds in dollars, euros, and pounds.

Committed to bespoke tailoring, AdsCard serves up a smorgasbord of customized features and settings, both at the account and platform levels. For those craving a taste of teamwork, AdsCard allows users to craft team accounts, empowering captains to steer the ship, manage expenses, set limits, and more. Teams can snag personal BINs for a touch of flair and control, with a modest fee in tow.

Teams can sync AdsCard’s banking service with their platform, ushering in a new era of efficient expense management tailored specifically for the Republic of Kazakhstan within their very own system. Have you watched Borat?

Key Features of AdsCard:

• Unified account balance without card-specific limits;
• Marketplace with pre-linked FB accounts;
• Custom card grouping for streamlined organization.

Our Verdict

Which Types of Virtual Cards are There?

Generated Virtual Cards

Randomly generated virtual cards are numbers of non-existent cards created by an algorithm. They are useful if you don’t need a transaction on the card, or if you are engaged in threshold accounts usage (we don’t approve of this!).

Single-Use Virtual Cards

Single-Use Virtual Cards are temporary, randomly generated card numbers designed for one transaction or a limited time period to enhance security and prevent fraud in online purchases.

Reloadable Virtual Cards

Reloadable Virtual Cards are digital payment cards that can be topped up with funds multiple times, offering flexibility and convenience for online transactions without the need for a physical card.

Prepaid Virtual Cards

Prepaid Virtual Cards are digital payment cards that are preloaded with a specific amount of funds, allowing users to make online purchases without linking to a traditional bank account.

Gift Virtual Cards

Gift Virtual Cards are digital cards preloaded with a specific monetary value that can be given as gifts for online purchases or used for personal transactions.

Virtual Debit Cards

Virtual Debit Cards are digital versions of physical debit cards that can be used for online purchases, with transactions debited directly from the linked bank account.

Virtual Credit Cards

Virtual credit cards are digital representations of physical credit cards that can be used for online transactions, with charges applied to the user’s credit card account.

Business Virtual Cards

Business Virtual Cards are digital payment solutions issued by companies to employees for business-related expenses, offering control, tracking, and security for corporate transactions.

Affiliate Marketing Virtual Cards

Affiliate Marketing Virtual Cards are digital payment methods provided to affiliates for receiving commissions or payments from affiliate marketing programs.

How Virtual Cards Work

Virtual Cards function by converting digital currency into a fiat currency, like USD or EUR, at the point of transaction. This allows users to make purchases or withdrawals from any online merchant or ATM that accepts regular debit or credit cards.

When a user wants to make a purchase, they select the virtual card as their payment method. The virtual card providers then convert an equivalent amount of the user’s assets into the fiat currency required for the transaction.

Benefits of Virtual Cards

Virtual cards open up a world of perks for their wielders.

For consumers, it’s all about effortless access to their funds, enabling seamless spending of their  reserves sans the hassle of exchanges or convoluted transactions.

These cards pack a punch with top-notch security measures, from encryption to multi-factor authentication, ensuring a robust shield against fraudsters and unauthorized intruders.

On the flip side, merchants stand to gain big by hopping on the virtual card bandwagon, tapping into the ever-expanding pool of digital currency aficionados.

By embracing digital asset payments, merchants not only attract the tech-savvy crowd but also carve out a unique niche in the market.

Moreover, virtual cards act as a shield against the perils of chargebacks and fraud often associated with traditional payment methods, offering merchants a layer of fortified financial security.

Each flavor of virtual card brings its own blend of features, perks, and constraints, catering to a diverse spectrum of financial cravings.

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