When making payments for ads on various social platforms, you must pick the payment process that minimizes extra expenses like transaction fee charges or foreign currency exchange costs.
According to research, companies that use a credit card that does not have an international transaction fee can save about 3% for each international transaction (Source: Forbes, 2024).
There are also some other cards that offer other forms of earning as reward points or cashback that in turn reduce the cost of advertisement.
Now, moving to the guide, we have provided the top seven digital card providers for Facebook, Instagram (Meta), TikTok, LinkedIn, and Twitter.
Every card in our selection has trusted BINs and transparent fees, so let’s go through all.
PSTNET
PSTNET provides digital Visa/Mastercard cards with trusted BINs from US and European banks.
Users have the option to open segmented cards for each platform or go for universal cards to pay for advertising, and there’s no limit to the number you can create through this service.
These come with no spending limits or transaction fees, and funds withdrawals or operations on frozen or blocked cards don’t incur extra charges.
Key Features:
- BINs: 25+ trusted BINs from US and European banks.
- BIN Checker: Access detailed card information, including billing thresholds and average spending.
- Special Terms: A media-buying program, PST Private, offers a 3% cashback and up to 100 free cards monthly, plus a referral program.
- Team Tools: Set card limits, delegate tasks, and assign roles within a team.
- Spending Analytics: Access to reports on financial transactions.
- Balance Top-Up: Supports 18 cryptocurrencies (BTC, USDT TRC 20, ERC 20, and more), SWIFT/SEPA bank transfers, and other Visa/Mastercard cards.
- Registration: Options include Apple ID, Google accounts, Telegram, WhatsApp, or email.
- Support: 24/7 support via Telegram, WhatsApp, or live chat.
Spendge
Spendge is a system for issuing and managing cards, optimized for ad platforms and powered by Visa that allows you to create an unlimited number.
One of Spendge’s standout features is its transparent fee structure, and also the transformation within the platform between accounts is free; there’s a 1% + $0.30 transaction fee, and top-up fees start from 3%.
Key Features:
- BINs: 10 BINs from US and European banks.
- Special Terms: Crypto invoicing and spending stats tools are being developed.
- Team Tools: Team accounts for distributing cards among team members.
- Spending Analytics: All transactions are tracked in your dashboard.
- Balance Top-Up: USDT (TRC20, ERC20), BTC, SWIFT/SEPA bank transfers, Visa/Mastercard, Capitalist, and partner service balance transfers.
- Registration: Simply provide your details and wait for registration status approval, which you can track in real time.
- Support: Customer support is available via Telegram and live chat.
Capitalist
Capitalist offers CardsPro, special Visa and Mastercard options from banks in the US, Europe, and the UK, specifically for ad payments.
These cards aren’t platform-specific, so you’ll need to pick the right ones based on your ad needs.
With all CardsPro options, transaction fees are zero, and the fee for declined payments is capped at $0.30.
Key Features:
- BINs: 9 BINs from banks in the US, Europe, and the UK
- Special Terms: None
- Team Tools: Task assignment, sub-account setup, and card limit settings
- Spending Analytics: Financial transaction reports available
- Balance Top-Up: Supports five cryptocurrencies, SWIFT/SEPA bank transfers, other Visa/Mastercard cards, and internal Capitalist transfers.
- Registration: The steps for the registration process include:
- Fill out the standard form on the website >> confirm your email
- Submit a request for CardsPro issuance through your account dashboard.
- Fill in a short business activity questionnaire, and complete a brief interview with a service manager.
- Support: 24/7 support available through Telegram
ComboCards
ComboCards is another payment service that provides virtual cards specifically for ad payments, and like any other card, it also works with Visa, Mastercard, and UnionPay payment systems.
Though new to the scene, the service has already made a strong impression within the professional community.
They work seamlessly with Facebook, Google, TikTok, Instagram, and other platforms, with no transaction or decline fees.
Key Features:
- BINs: 12 BINs from banks in the US, Europe, the UK, and Hong Kong
- Special Terms: None
- Team Tools: Add team members and assign roles
- Spending Analytics: Transaction summaries available in the dashboard
- Balance Top-Up: USDT (TRC20), bank transfer, and transfers from partner services balances
- Registration: Fill out the form on the website, verify your account via email, and wait for data review by the system
- Support: Available 24/7 via website chat or email
MyBrocard
MyBrocard provides virtual Visa and Mastercard options tailored for ad payments, making it easy to run ads on Meta, TikTok Ads, Google Ads, and other platforms.
The cards are universal which means you’ll need to pick the right BINs yourself.
There’s a structured fee system: decline fees, for example, vary based on the transaction amount and your overall decline rate.
If more than 25% of payments are declined, the service will block the cards, therefore cards must be issued instantly after topping up with a minimum of $500, which then goes to a unified user balance for card funding.
Key Features:
- BINs: 20 BINs, including the US, Europe, the UK, and Colombia
- Special Conditions: First 50 cards issued for free; cashback program available if certain conditions are met
- Team Tools: Task distribution and role assignments within the team
- Spending Analytics: Tools on the dashboard; reports on financial transactions
- Balance Top-Up: Supports USDT (TRC20 and ERC20) and partner services
- Registration: Complete a standard form on the website, pass KYC (upload a selfie with ID), and wait about 24 hours for verification.
- Support: Available 24/7 through live chat
Do You Know?
Facebook has the highest conversion rates among social media platforms, with Facebook ads averaging a conversion rate of 9.21%.
Volet
Volet is an international platform that issues both virtual and physical cards, managed through the Volet app.
Virtual cards operate with Visa and are well-suited for ad accounts thanks to trusted European BINs; it’s worth noting, though, that there’s a limit on the number of virtual ones available.
Daily transaction limits are capped at $5,000, and while there are no transaction fees, repeated declines can result in card blocks.
Key Features:
- BINs: 5 trusted European BINs
- Special Conditions: None
- Team Tools: Not available
- Spending Analytics: All transactions shown in the user dashboard; track payment history in the app
- Balance Top-Up: BTC and USDT (TRC20), fiat payment systems, P2P transactions (Bybit, Binance)
- Registration: Standard form via email, then 24-hour data verification
- Support: Available 24/7 via site chat or email
Multicards
Multicards offers virtual cards to help manage ad budgets; all cards operate on Visa/Mastercard and can be issued in unlimited quantities.
When creating a card, users set daily and total limits, with a minimum requirement of $10, and balance top-up fees are capped at 5%.
It’s vital to only use the ones that are approved services; otherwise, accounts are instantly blocked, and to prevent issues, it’s recommended to confirm payments with service managers.
Key Features:
- BINs: 5 BINs from banks in Europe, the US, and Turkey.
- Special Conditions: None.
- Team Tools: Set card limits, fund all cards in a group, and internal transfers.
- Spending Analytics: Track transaction history and monitor new card issuance.
- Balance Top-Up: USDT TRC20, WIRE bank transfer, Capitalist.
- Registration: Fill out the form on the website and wait for account approval.
- Support: 24/7 availability via Telegram chat or email.
Conclusion
To avoid paying the extra charges for ads on popular platforms, choosing cards with transparent terms is the best option.
Also, always use different payment options as well as the payment features text to shop around the market for the lowest possible payment rates with no hidden taxes, so putting your advertisement money to the most efficient use is the main objective.
In this article, we have reviewed seven virtual card services that offer low-cost, transparent options.
The prices in our list don’t exceed $5, and many offer free cards with fee structures that benefit users.
Also, look out for special features, for example, PSTNET offers a media buyer program with 3% cashback, free card issuance, and low balance top-up fees.
MyBrocard also includes cashback and perks like 50 free cards, also services like Capitalist, ComboCards, Multicards, and Volet ensure minimal declines and no transaction fees.
Overall, all the services in our ranking help you avoid extra expenses through thoughtful functionality and low fees.
They’re also equipped with added tools for budget management, with spending analytics and transaction history features that help you keep your budget under control and adjust as needed.
