Virtual Card Services in 2026 — A Selection of Reliable Companies

Virtual card issuance services have become an indispensable tool when working in most areas of online business. They allow you to scale workflows in tasks related to multi-accounting, as well as bypass regional restrictions of services. With no limits on the number of cards, the volume of funds passing through them, and the ability to choose the BIN of a bank in the country you need — today, the client only has to choose the best conditions.

In this article, we review the current virtual card issuance services for 2026.

How to choose the best virtual card issuance service?

First, you need to understand the needs that the service must cover. If you have an arbitrage team with hundreds of thousands of dollars in turnover, the priority when choosing will be the reliability, reputation of the service, and the final percentage of the service's commissions. On a large volume, even an additional 1% can play a significant role. Next comes functionality, interface, reporting, and API.

If you need virtual cards for some one-off specific tasks, the priority will likely be the ease of registration in the service, a low minimum deposit, and the ability to choose a bank card of the required country.

And for those who need to keep the card active for regular payments of services, it will be more profitable to work with a service that does not charge a monthly maintenance fee.

In addition to obvious commissions in the form of a percentage for top-ups or transaction fees, there are parameters that are not obvious to beginners but are important: the percentage of canceled payments, fees for canceled payments, card maintenance fees, currency conversion within the service — it is better to clarify the details to immediately understand the total amount when using the service in your case.

It is worth noting separately the element of reliability, which mostly represents the holding company that owns the service. Recently, there have been several situations where banks revoked the license of intermediary services that provided services to card issuance services, and clients' money remained frozen. And here there are 2 scenarios: the holding returns funds to clients from its budget, changes the partner and continues working, freezing its own money until the situation is resolved, or clients lose their money, getting a cash gap for several months with frozen working capital.

All services from the article are focused on issuing cards to pay for advertising on Facebook, TikTok, Google Ads, and other advertising networks, but also offer solutions for paying for subscriptions and various services.

Anybill

Anybill is a payment service for media buyers. Here you can issue cards with verified BINs, including European and American ones, which are well accepted by advertising platforms. With such a payment system, you can be sure that you will not have any problems linking to sources.

Key features:

• No hidden fees — you pay exclusively for topping up the card.
• Convenient personal account where you can set limits, invite team members, set roles, and manage cards.
• The service has 8 US BINs, 4 EU BINs, and 16 BINs from different countries of the world.
• You can issue private BINs.
• No limit on expenses and the number of issued cards.
• The balance is topped up using Wire and USDT, and funds can be distributed between accounts.
• Cards are optimized for advertising on Google, as well as social networks TikTok, Facebook, and Instagram.
• There is an opportunity to get 1% cashback on US accounts.
• Fast support response. Also, the guys can help with unblocking accounts if you face such a problem.

AdPos

AdPos is a payment system for paying for advertising. The service provides reliable BINs for traffic arbitrage and perfectly handles a large number of cards. It works with advertising accounts of Google Ads, TikTok, Meta, Taboola, Microsoft, Digital Ocean, RevContent, Dable, MGID, and Rumble.

Key features:

• They cooperate with 20 advertising platforms. Wherever you drive traffic, you can easily top up your advertising accounts.
• The minimum card limit is $1.
• Seamless data synchronization via API.
• There are no fees for monthly payments needed to keep cards.
• Cards can be used exclusively for advertising. Third-party transactions will be declined.
• Teamwork is well optimized — it is possible to distribute cards among employees, set budget limits, and manage payments simultaneously from several accounts.
• Integration with banks makes it possible to monitor transactions in real time.

Leading Cards

A service with trusted cards for working with leading advertising platforms. It works with Bing Ads, Google Ads, TikTok Ads, X Ads, and Facebook Ads. Leading Cards also works with Apple Pay, allowing you to pay for subscriptions.

Key features:

• 50+ reliable BINs with 3DS.
• Instant card issuance.
• Ability to customize the personal account, set up analytics and reports.
• Personal support.

AdHunt

The service offers virtual cards for traffic arbitrage. At AdHunt, you can choose from more than 10 BINs and three GEOs — USA, Hong Kong, and Singapore. With their cards, you can top up ad accounts in Meta, X, TikTok, Google, Moloko, and Telegram.

Key features:

• No additional fees if payment is made when choosing the USA GEO and USD as the currency.
• Card issuance is free.
• Intuitive interface of the personal account. The account currency is USD.
• Top-up without time limits at any time of the day using USDT TRC20 and ERC20.
• The guys claim that in 90% of cases their cards link without risk payment (RP). The 10% risk remains on the side of your consumables and Facebook's mood.

Pay2.House

The service offers unlimited issuance both in terms of the number of cards and the volume of expenses, which will please arbitrage teams and advertising agencies. You can use them to top up advertising accounts or pay using Apple Pay and Google Play.

Key features:

• No hidden fees.
• Minimal risks of bans in Google Ads, Facebook Ads, and TikTok Ads, as well as on other platforms.
• Ability to set limits on cards to monitor the budget.
• Instant card issuance.
• Prompt and professional support.
• Ability to open multi-currency accounts with free transfers within their system.
• There is an exchange of fiat and cryptocurrency.
• They support mass transfers.

Multicards

A service for issuing cards for virtual marketing and e-commerce. The guys offer trusted unlimited cards with more than 80 BINs with instant issuance.

Key features:

• The more you spend, the lower the fees will be.
• Unlimited cards, topped up with crypto and via Wire.
• Ability to add a team, manage budgets, cards, and get detailed statistics on them.
• Technical support is available 24/7.
• Ability to add a daily spending limit to cards so as not to exceed budgets.

AdsCard

A service for paying for advertising and online payments with reliable and diverse BINs with 3DS support. Transactions are read in real time, a single balance for all cards, and convenient account analysis. You can discuss individual conditions for large budgets.

Key features:

• The higher the spending from cards, the lower the fees will be.
• Ability to make personal BINs for the team.
• Account top-up using Wire, USDT, Swift, SEPA, and ACH.
• Availability of group cards, management of team expenses and limits.
• Round-the-clock technical support.
• Availability of two-factor authentication.
• Ability to integrate API.

Combo Cards

Combo Cards is a payment solution for business that is suitable for a large number of tasks. The service has more than 50 BINs from Asia, Europe, and the USA. Cards from Mastercard and Visa with 3DS. A payroll service is currently in beta, and crypto trading and staking are expected.

Key features:

• No hidden fees.
• Fast transfers.
• You can top up both advertising accounts and pay for subscriptions.
• Convenient personal account for managing team budgets with role distribution.
• Top-up is possible with crypto, bank transfer, or via affiliate programs.
• Detailed analytics and the ability to view expenses in real time.

eCards

A service providing virtual cards for advertising traffic with high trust. eCards has a large selection of GEOs, payment in USD and EUR. Mass operations such as closing, changing limits, and issuing up to 100 cards at a time are available.

Key features:

• There are subscriptions to individual BINs.
• Fee only for top-up.
• Fast balance top-up via Wire or USDT.
• Mastercard, Visa, and UnionPay cards with 3DS support are available.
• Account balance management and the ability to set limits.
• Teamwork with the distribution of roles, budgets, and expenses.

FlexCard

A service issuing virtual cards for media buying and advertising agencies. It is possible to link accounts to Apple Pay and Google Pay. 40+ BINs are available, payment systems Mastercard and Visa, 3 types of currency — USD, EUR, GBP.

Key features:

• No hidden fees.
• No limit on card issuance.
• Suitable for paying for subscriptions and services.
• They provide a detailed transaction history.
• Top-up using Wire and USDT (TRC20 and ERC20).
• Upon registration, they give 10 free ADS cards.

MyBrocard

The service provides virtual cards for advertising accounts and online payments. 30+ BINs are available in the USA, UK, Colombia, and Hong Kong with 3DS support, as well as payment systems Visa, Mastercard, and American Express.

Key features:

• Account top-up is possible via Wire, USDT, and Capitalist.
• A card can be opened in USD or EUR.
• Payment notifications and reporting in real time.
• Optimization of team roles and setting limits.
• Workflow optimization using API.

Cards PRO

Cards PRO is a payment system for advertising campaigns from Capitalist. The service was created for arbitrage teams and makes it possible to issue an unlimited number of cards to pay for advertising and services for media buyers.

Key features:

• Fast card issuance.
• Transactions are processed in USD.
• Reporting is provided in real time.
• Ability to mass issue cards and set up automatic top-up.
• Fast technical support.
• There are three-level subaccounts in the personal account.
• You can distribute the budget among employees and get detailed statistics on their cards.

Which virtual card service to choose?

Despite the flexibility and ease of work provided by virtual card services for payment operations, there are market rules that cannot be neglected. The most important thing is to diversify risks.

At any moment, a bank can unilaterally stop working with a service provider, or the bank itself may lose its license — in this case, your funds will be frozen for at least several months. In such moments, the reliability of the service is revealed: the ability and desire to fulfill its obligations, using its own capital to temporarily cover the frozen funds. Practice shows that most services are not ready for this.

In the article, we have provided examples of companies that have been providing virtual card issuance services for years and do not have loud scandals behind them. The conditions are similar for everyone, the market has formed a "standard" of commissions, and deviations from service to service are insignificant and are often balanced by additional fees from other types of transactions — canceled payments, card issuance fees, or maintenance.

If the foundation of your business is a constant turnover of funds, then we do not recommend saving a percentage by choosing a new, unknown, practically free solution without a reputation and reviews — there has been more than one case when, after collecting deposits from users, a service stopped its work with all the users' money in their wallets.