Choosing the right virtual cards for your business starts with understanding the problems these cards aim to solve. In media buying, companies often face several challenges that can be addressed through appropriate payment solutions.
First, advertising platforms may decline transactions they consider suspicious, potentially disrupting campaigns. Second, effective budget management requires the ability to allocate funds across different team members or campaigns. This makes it essential to issue multiple cards and maintain control over expenditures online. Lastly, advertising costs must remain within set limits. Overspending is a frequent issue when working with platforms like Google Ads and Facebook Ads, making cost control a key priority.
To address these challenges, businesses need virtual cards that meet specific operational and financial criteria. This article explores how to select virtual cards tailored for media buying and examines key options, including PSTNET, Mybrocard, and CardsPro (Capitalist), focusing on their features, strengths, and usability for advertising payments.
How to choose virtual cards for business advertising
One of the key factors to consider when choosing virtual cards is BIN codes, which indicate the country and bank that issued the card. Advertising platforms may block transactions if the BIN code does not align with the region of the ad account. For instance, when targeting the U.S., selecting cards with U.S. BINs can reduce the likelihood of payment rejections.
Another critical aspect is transparency in fees. Businesses need a clear understanding of the costs associated with virtual cards. Hidden fees for top-ups, transactions, or currency exchange can significantly affect the overall budget. Choosing platforms with clearly stated terms and straightforward pricing helps to avoid unexpected expenses and simplifies budget planning.
Virtual cards should also facilitate managing multiple budgets and issuing separate cards for different team members or advertising platforms. For example, if one team member oversees Facebook Ads while another handles Google Ads, allocating individual cards with spending limits for each platform can enhance control and transparency.
Additionally, collaboration tools are valuable for teams managing shared budgets. Features like assigning roles and access rights to team members can streamline expense management while maintaining oversight of corporate funds. Detailed reporting tools that track transactions and analyse spending by campaign are particularly useful for optimising budgets and evaluating the efficiency of advertising efforts.
1. PSTNET
PSTNET, a financial provider specialising in digital financial products, caters primarily to media buyers, large corporations, and businesses. All cards are virtual and suitable for any online payments, including cryptocurrency transactions.
According to users, the platform issues some of the best credit cards for ads. These cards, available through a special programme, help minimise advertising costs.
Key features of PSTNET’s virtual cards include their use of Visa and Mastercard payment systems. Users can choose from over 25 trusted BINs from U.S. and European banks, reducing the risk of transaction declines. Additionally, the cards feature 3D Secure technology, which is well-regarded by Google’s anti-fraud systems.
PST Private is a dedicated programme for media buyers and marketers, offering exclusive benefits. These include 3% cashback and the ability to issue up to 100 free cards per month.
Participation doesn’t require proof of advertising budgets – users simply select a suitable plan on the website. Packages range from Large to Extra Small, accommodating varying needs.
Additional Features:
- Three Funding Options: Support for 18 cryptocurrencies (BTC, USDT TRC20, ERC20, and more), SWIFT/SEPA bank transfers, and Visa/Mastercard funding
- Team Collaboration Tools: Assign roles, distribute tasks, and set spending limits on cards, ideal for media buying teams managing multiple projects
- 3D Secure Technology: Protects transactions with enhanced security
- Telegram Bot: Provides 3D Secure codes and service updates
- One-Step Registration: Use Apple ID, Google, Telegram, WhatsApp, or email to sign up
- 24/7 Customer Support: Instant assistance via Telegram, WhatsApp, or live chat
2. Mybrocard
The Mybrocard service issues virtual cards for advertising payments on popular platforms. All of the service’s cards work with Visa/Mastercard payment systems and have trusted BINs from banks in the USA, Europe, and the UK.
In the user’s personal account, cards can be managed within teams and expenses can be analysed. All transactions are displayed as a transaction history. Reports can also be requested through the service’s managers.
Mybrocard has a commission system. For example, the commission for a declined transaction depends on the transaction amount and the overall percentage of declined payments. If the decline rate exceeds 25%, the service will block the cards. The commission for top-ups does not exceed 4.5%. Additionally, there is a minimum deposit requirement.
To issue cards, the user must deposit at least $500 into their balance. The first 50 cards can be issued for free. A key benefit is also the ability to earn up to 2% cashback if the decline rate does not exceed 10%.
Additional Features:
- Three Funding Options: USDT (TRC20 and ERC20), Capitalist, Marketcall
- Team Collaboration Tools: Assign roles, distribute tasks, and set spending limits on cards
- 3D Secure Technology: Protects transactions with enhanced security
- Multi-Step Registration: Fill out a standard form on the website, undergo an interview with a manager, and complete the KYC process (upload a selfie with your passport), then wait for account approval by the system
- 24/7 Customer Support: Available via live chat on the service’s website
3. CardsPro from Capitalist
The Capitalist platform issues virtual cards for advertising payments, called CardsPro. These are Visa/Mastercard cards from banks in the USA, Europe, and the UK. A total of 9 BINs are available. The cards are not segmented by platform, so they need to be selected manually. To obtain these cards, users must complete an additional registration process on the platform.
Regardless of the card type, there are no transaction fees, and the decline fee is no more than $0.30.
Additional Features:
- Four Funding Options: Cryptocurrency, SWIFT/SEPA bank transfers, other Visa/Mastercard cards, and internal transfers from the Capitalist platform
- Team Collaboration Tools: Task distribution, subaccount setup, and card limit configuration
- 3D Secure Technology: Protects transactions with enhanced security
- Multi-Step Registration: Fill out a standard form on the website, confirm your email, submit a request for a CardsPro card via the personal account, complete an activity questionnaire, and have a brief interview with a service manager
- 24/7 Customer Support: Available on Telegram, with responses within 1 minute
To sum up
Choosing the right virtual cards for your business involves focusing on geo-compatibility, fee transparency, budget management capabilities, and security. PSTNET, Mybrocard, CardsPro simplifies advertising payments, enhances expense visibility, and reduces costs with cashback and free card options.