Advertising on Facebook is a key tool for many companies and agencies. Its effectiveness is directly related not only to the correct setup of campaigns but also to a sound approach to payment. Virtual cards have become the standard for managing advertising accounts, especially in the context of frequent changes to Facebook’s policies and various restrictions. Let’s explore how to choose the optimal solution for your business.
Services for working with virtual cards
Today, there are numerous platforms offering virtual cards. In this article, we will examine three optimal solutions: PSTNET, Capitalist, and Spendge. These services have already established themselves among professional media buyers. We will delve into their features and practical aspects of use to help you make a choice that aligns with your objectives.
1. PSTNET
The virtual cards from this service are specifically designed for media buyers and are already configured for advertising platforms. You can issue cards for Facebook Ads within minutes through your personal account. They can be issued in unlimited quantities. They operate on the Visa/Mastercard payment systems and are well accepted by the platform’s security systems. Among the main advantages of all PSTNET virtual cards are the absence of fees for transactions, withdrawals, and operations with blocked or frozen cards.
For media buyers, there is a special program called PST Private. It allows you to receive a 3% cashback on advertising expenses, top up cards with a 3% fee, and issue up to 100 cards per month for free.
Features:
- BINs: 25+ trusted BINs from banks in the USA and Europe
- Team workflows: setting limits on cards, task distribution, and role assignment for team members
- Budget management: users have access to financial operation reports
- Top-up methods: supports 18 cryptocurrencies (BTC, USDT TRC 20, ERC 20, and others), SWIFT/SEPA bank transfers, other Visa/Mastercard cards
- Free BIN checker: helps obtain detailed information about PSTNET cards, including billing thresholds, average spend, and decline rates
- Registration: can use Apple ID, Google accounts, Telegram, WhatsApp, or email
- User support: available 24/7 via Telegram, WhatsApp, or live chat
2. Capitalist
The Capitalist platform offers virtual cards called CardsPro for paying for advertising campaigns. These cards are issued by Visa and Mastercard systems, linked to banks in the USA, Europe, and the UK. The cards are not tied to specific advertising platforms, so they need to be selected manually. To apply, you must undergo additional registration on the platform and complete a short interview with a manager.
Features:
- BINs: 9 unique numbers from banks in the USA, Europe, and the UK
- Team workflows: ability to distribute tasks, create sub-accounts, and set usage limits on cards
- Budget management: access to detailed financial reports in the personal account
- Top-up methods: cryptos, SWIFT and SEPA bank transfers, Visa/Mastercard cards, as well as internal transfers within the Capitalist system
- Registration: requires filling out a standard form on the website, verifying your email address, applying for CardsPro through the personal account, completing a business activity questionnaire, and undergoing a brief interview
- User support: available 24/7 via Telegram
3. Spendge
Spendge is a platform for creating and managing virtual cards. All cards are issued through the Visa payment system and are adapted for use on advertising platforms. Users can issue an unlimited number of cards, but this requires completing the registration process and awaiting data verification.
One of Spendge’s key advantages is the transparency of its fee system. Internal transfers between accounts are free. The transaction fee is 1% + $0.30, and top-ups are available with a fee starting from 3%.
Features:
- BINs: 10 BINs available from banks in the USA and Europe
- Team workflows: ability to create team accounts and distribute cards among team members
- Budget management: all financial operations are reflected in the personal account
- Top-up methods: USDT (TRC20, ERC20), BTC, SWIFT/SEPA transfers, Visa/Mastercard cards, payments via Capitalist, as well as transfers from partner service balances
- Registration: requires providing personal details and awaiting system confirmation. The registration process is transparent, and the status can be tracked in real-time through the personal account
- User support: specialists available via Telegram or live chat
What parameters to consider when choosing a card
To select the right service, it’s important to understand the tasks you want to accomplish. Here are a few key factors to consider:
- Currency and geo support: if your advertising campaigns target different countries, ensure that the card supports the currencies you need. For example, working with the European market will be convenient if the card operates in euros.
- Limits and top-ups: large monthly budgets require cards with high limits, and the ability to top up instantly with minimal fees is an important aspect for active operations.
- Integration with CRM and other tools: some services offer APIs, simplifying the automation of card management.
- Reliable support: unforeseen situations happen to everyone. Quick access to technical support 24/7 is not an extra option but a necessity for professionals.
Practical tips for working with virtual cards
To make the most of virtual cards, you can use several proven approaches:
- Create cards for specific advertising accounts: this helps track expenses and prevents issues if one of the accounts is blocked.
- Plan top-ups in advance: if you know you have a large campaign coming up, arrange for backup cards or top up the balance beforehand. This will save you from needing urgent actions during peak advertising activity.
- Use cards with different BINs for testing: for example, if Facebook starts declining payments from one card, you can switch to a card with a different BIN to continue operations.
- Have backup cards for emergencies: this is especially important if you’re running a major campaign with a tight deadline. If one card stops working, you’ll have an immediate solution ready.
In conclusion
Choosing a virtual card is not just a matter of convenience but a strategic decision that impacts the success of your advertising campaigns. Using services like PSTNET, Capitalist, and Spendge allows you to minimise risks, control expenses, and respond swiftly to changes.
