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How to Choose a Payment Card for Advertising on Google, Facebook, and Microsoft

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To avoid declines, simply use the right cards for advertising payments. BINs should match the platform, and limits need to comply with the policies of Google, Facebook, and Microsoft. To do this, media buyers worldwide use virtual cards — a digital equivalent of a traditional bank card without the plastic. These cards are easy to issue and designed for ad platforms. In this article, we’ve gathered the top 3 virtual cards for paying on Google Ads, Facebook Ads, and Microsoft Ads. Each service in our review offers a great selection of trusted BINs and has positive feedback from media buyers.

1. PSTNET

PSTNET issues Visa/Mastercard virtual cards of various types. With over 25 trusted BINs, these cards help minimise the chance of risk payment rejections.

Users can choose between debit or credit cards for advertising and issue an unlimited number of cards. The cards support crypto top-ups, and there are no fees for transactions, withdrawals, or blocked card operations. Additionally, the service includes a BIN checker called “Pulse,” which reveals not only the type and issuing location of the card but also billing thresholds, average monthly spending, and the percentage of approved and declined payments.

Additional Features:

  • 3% Cashback: available through the PST Private programme
  • 3 Top-Up Options: supports 18 cryptocurrencies (BTC, USDT TRC20, ERC20, and more), SWIFT/SEPA bank transfers, and other Visa/Mastercard cards
  • Team Collaboration Tools: assign tasks, set team member roles, and establish card limits—an essential feature for media buying teams handling multiple projects
  • 3D Secure Technology: for transaction protection
  • Telegram Bot: to receive 3D Secure Codes and service update alerts
  • One-Step Registration: accessible with Apple ID, Google, Telegram, WhatsApp, or email
  • 24/7 Customer Support: immediate assistance via Telegram, WhatsApp, or live chat

2. Stellarcard

StellarCard issues versatile virtual debit cards, available as Visa, Mastercard, and China UnionPay. These cards work for payments across popular ad platforms. Users can issue an unlimited number of them, with 15 trusted BINs from international banks helping ensure a low decline rate. 

The service has a transparent fee structure: no transaction fees but a required deposit system, with the initial minimum deposit at $500 and subsequent deposits of $1,500 for USDT and $3,000 for bank transfers. For certain card types, the minimum top-up is €3,000 via SEPA/SWIFT.

Additional Features:

  • 2 Balance Top-Up Options: bank transfers (WIRE) and cryptocurrencies (USDT via TRC/ERC networks)
  • Teamwork Tools: the platform allows creating individual cards for different ad campaigns and setting unique budgets for each
  • 3D Secure Technology: for enhanced transaction security
  • Registration: includes identity verification
  • Referral Programme: bonuses for bringing in new clients
  • 24/7 Customer Support: via online chat and email

3. CardsPro (Capitalist)

Capitalist, a popular online finance platform, recently added virtual cards for media buying—Cards Pro. These Visa/Mastercard debit cards have 9 BINs from banks in the UK, US, and Europe. 

The service offers a transparent fee structure, with top-up fees starting at 2% and decline fees capped at $0.30. Other costs are minimal, making it especially beneficial for users already utilising Capitalist for other transactions. There are unique terms for business accounts as well.

Additional Features:

  • 4 Card Top-Up Methods: 5 cryptocurrencies, international SWIFT/SEPA transfers, other Visa/Mastercard cards, and internal transfers within the Capitalist platform
  • Team Collaboration Tools: task distribution, sub-account setup, and card limit adjustments
  • Expense Analytics: detailed reports on financial transactions
  • 3D Secure Technology: for secure payments
  • Registration: standard form on the website, email confirmation, application submission for Cards Pro through the personal account, a brief questionnaire about business activity, and a short interview with a service manager
  • 24/7 Customer Support: available through Telegram

When choosing a virtual card for advertising, it’s essential to review each service’s terms carefully and even try a few options. In most cases, the best approach is to use multiple cards with varying limits and fees, allowing for budget distribution and reduced risk of blocks.

All financial providers in our list ensure minimal declines on Google Ads, Facebook Ads, and Microsoft Ads. PSTNET, Stellarcards, and Capitalist offer a balanced mix of pricing and quality, support for cryptocurrencies, innovative security technologies, and reliable BINs (Bank Identification Numbers) from trusted banks.

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