Paying for advertising campaigns on Facebook, Google Ads, and TikTok requires reliable and convenient bank cards. To successfully manage campaigns in media buying, it’s important to consider not only the basic features of a card, such as top-up or transaction fees, but also specific characteristics like declined transactions, trusted BINs, team functionality, and other unique benefits. This card ranking is based on an analysis of various factors that impact their effectiveness in advertising.
The main evaluation criteria include top-up fees, transaction fees, and fees for declined transactions. Cards with low fees help reduce financial transaction costs, which is especially important for large-scale advertising campaigns. Additionally, trusted BINs increase the chances of successful payment processing on major advertising platforms, while team functionality allows for efficient budget management and expense control within a team.
Let’s explore the top 5 cards that have shown the best performance based on these criteria.
- PSTNET
The financial service PSTNET offers various types of virtual cards. The service provides an unlimited purchase card called Ultima, as well as special cards designed for media buying. They are compatible with all popular advertising platforms, including Facebook, Google, TikTok, and Microsoft.
All cards from the service work with Visa/Mastercard payment systems and come as debit or credit cards. They have no fees for transactions, withdrawals, or operations with frozen or blocked cards.
In this review, we will explore the key features and advantages of the best card for ad spend, using the example of PSTNET’s virtual cards for advertising.
Features:
- Low top-up fees: starting from 3%
- 25+ Unique BINs with European and US geo-locations: Minimizes the risk of declined payments
- Free Online BIN checker: Quick access to detailed card information
- Top-up with cryptocurrencies: Supports 17 cryptocurrencies (BTC, USDT TRC 20, ERC 20, etc.)
- Standard top-up methods: Bank transfers SWIFT/SEPA, other Visa/Mastercard cards
- Team Collaboration Tools: Allows task delegation, role assignment for team members, and setting card limits
- Expense Analytics: Users have access to financial transaction reports
- One-step registration on the platform: Can use Apple ID, Google account, Telegram, WhatsApp, or email
- 24/7 Customer Support Service: Support specialists respond instantly via Telegram, WhatsApp, or live chat
- Telegram bot: Allows users to receive 3D Secure Codes and service update notifications
Additionally, for media buyers, the service offers a special program called PST Private. Its users can issue up to 100 cards per month for free and receive 3% cashback on ad spend.
2. Combo Cards
Combo Cards is a service for issuing virtual cards specifically designed for media buying and advertising campaigns. They support major advertising platforms, including Facebook, Google, TikTok, and many more.
Combo Cards also offers pilot-phase services that include receiving payments from affiliate programs and other partners, renting cards and accounts for developer consoles in the Apple Store and Google Play, and international bank transfers.
Features:
- Low top-up fees: starting from 3%
- 12 Unique BINs: from the UK, Hong Kong, the USA, Estonia, and Switzerland
- Team functionality: Allows adding new users, assigning roles, and managing budgets
- Additional features: Options for auto top-ups and bulk card top-ups
- Expense analytics: Financial transaction reports available on the dashboard
- Telegram bot: Notifications for transactions, low balance alerts, and receiving 3DS codes
- Cashback for declined payments: Up to $0,5 can be fully refunded as cashback if the decline rate is reduced
- Free cards: Earn 5 free cards for every $5,000 spent
- Withdrawal of funds: Supports withdrawals from affiliate programs using wire-crypto to cards through customer support
3. Abcard (AnyBill)
Abcard.io, also known as AnyBill, is a popular financial platform that allows users to issue virtual cards for paying for ads on Facebook, Google, TikTok, and several other platforms. All cards provided by the service are compatible with Visa/Mastercard payment systems. Users can issue almost an unlimited number of cards through this service.
Features:
- Top-up fee: Starts from 4.5%
- 6 BINs from US and Estonian banks: Trusted BINs ensure quick payments on advertising platforms
- Top-up with cryptocurrencies: The service supports card top-ups using USDT TRC20 and USDT ERC20
- Minimum deposit: At least $500 is required to load onto the cards
- Transaction fee rates: Fees depend on the monthly top-up volume and apply to the following month:
- 4.5% for top-ups up to €25,000
- 4% for top-ups between €25,000 and €100,000
- 3.5% for top-ups over €100,000
- Fees for declined payments: Fees depend on the overall decline rate and do not exceed €0.30 per decline
- Team management tools: The service allows users to view all team cards, assign roles, and receive detailed expense reports for all transactions, including declined payments
- Expense analytics: The service provides analytical reports on financial transactions
- Platform registration: The registration process involves filling out a standard form (name, surname, email, company name, Telegram nickname, country) and account verification via a Telegram bot
- 24/7 Customer Support Service: Support can be reached through the website chat or by email
4. Capitalist
Capitalist is a financial platform that issues special cards for advertising accounts, known as Cards Pro. These cards are available to all platform users through a manager and are compatible with Visa and Mastercard payment systems. They can be issued in unlimited quantities.
Features:
- Top-up fee: Does not exceed 7%
- 9 BINs: from banks in the UK, the USA, and Estonia
- Top-up with cryptocurrencies: Supports Bitcoin (BTC), USDT Tether (ERC20 and TRC20), Ethereum (ETH), USDC (ERC20)
- Standard top-up methods: International bank transfers (SWIFT/SEPA), other Visa/Mastercard cards
- Transaction fees: No more than 2% for USD transactions
- Fees for declined payments: $0.30 per decline
- Team management tools: Ability to assign tasks, designate team roles, and set limits on cards
- Platform registration: Requires filling out a standard form on the website, confirming the email, and requesting access to Cards Pro via the personal account. An additional registration step includes completing a questionnaire and a short interview
- 24/7 Customer Support Service: Responds to users within minutes via Telegram
5. Pyypl
Fintech startup Pyypl issues prepaid cards supported by the Visa payment system. These cards can be used for any online payments, including advertising payments on popular platforms. However, the service does not offer team management tools and has limits and restrictions. Overall, it is suitable for one-time payments to advertising accounts.
Features:
- Top-up fee: Starts from 1%
- Transaction fee: Starts from 2.99%
- Top-up with cryptocurrencies: 10 cryptocurrencies are available for balance top-up, including BTC, ETH, and others
- Standard top-up methods: Debit cards, mobile money, bill payment terminals
- 3D Secure: Ensures payment protection
- Limit restrictions: No more than $1,000 can be withdrawn from the card at one time, and no more than $5,000 can be spent from the card per month
- Registration via mobile app: Instant issuance of a virtual card through the mobile app; however, identity verification with a passport or ID is required
- 24/7 Customer Support Service: Available via the app and email
Conclusion
Choosing the right card for advertising payments on platforms like Facebook, Google Ads, and TikTok plays a crucial role in budget management and minimizing expenses in media buying. Each card discussed has unique advantages and features. Depending on priorities, whether low top-up fees, availability of trusted BINs, ease of team collaboration, or flexibility in top-up methods — media buyers can select the most suitable option for their needs.
PSTNET stands out with the lowest fees and a wide range of team collaboration tools, making it a universal solution for large teams, along with an additional special program for those managing advertising expenses. Combo Cards offers free cards for high spending volumes, which could be a profitable choice for companies with large turnovers. Abcard (AnyBill) and Capitalist provide trusted BINs and analytical tools, which can be useful for optimizing advertising expenses. Pyypl, in turn, offers ease of use and low fees, making it suitable for one-time and small transactions.
Therefore, the optimal card choice depends on the needs and budget of a specific media buying team or specialist. Each of the options presented can provide reliable and effective support for advertising campaigns on popular platforms, helping to achieve marketing goals.
