Top 10 Virtual Mastercard Services for Affiliate Marketing and Advertising

When it comes to paying for advertising, stability is worth its weight in gold. And Mastercard cards are today considered the most versatile tool for affiliate marketing and marketers. They are accepted by almost all advertising platforms - from Google Ads and Meta to TikTok and in-app networks. And they are also less likely to be blocked and better moderated in accounts where banking solutions often fail. But even more important is what kind of card should be. And here virtual cards give a head start to conventional ones:

• they can be created in a few minutes;
• manage expenses simply and transparently;
• scale - even for 10, even for 100 accounts.

This becomes especially valuable for arbitrageurs who work with dynamic budgets, change offers, test dozens of connections - and do not have time to explain to the bank why they pay in Trinidad for Facebook Ads.

In this article you will find:

• a selection of services that really work for paying for advertising;
• comparison of conditions, commissions, convenience;
• and tips on where it is better to take cards for Google, Meta, TikTok and more.

Why does an arbitrageur need a virtual Mastercard

If you have ever tried to pay for advertising with a personal bank card, you have probably already encountered blocking, limits or suspicious activity that the bank could not "explain". This is especially true when advertising is in a high-risk geo or in several accounts at the same time. Bank cards are not designed for arbitrage tasks. They have:

• restrictions on the number of simultaneous transactions;
• complex communication during blocking;
• inability to flexibly configure costs;
• and, most importantly, a high probability of refusal when trying to pay for Facebook or Google Ads.

What does a virtual Mastercard give?

Mass

You can issue several dozen cards at once - for each account, project or geo. No need to open separate accounts or undergo complex verification.

Control and limits

Set limits for each card: daily, monthly or by transaction. If the account is hacked or someone writes off the funds, the risks are minimal.

Reports and analytics

In normal services, you immediately see where the money goes, what worked successfully, and where the card did not pass - all in one account.

Why is BIN important

BIN (the first 6 digits of the card) is a key factor in passing moderation. Platforms such as Google or Meta evaluate the country of issue and card type based on these digits. If the BIN is “incorrect” or has a history of fraudulent transactions, the card will not pass linking, and the account may be banned. That is why it is so important to use proven services that:

• have up-to-date BINs for advertising needs;
• are stably linked to accounts;
• allow you to replace your card in seconds.

You can find a detailed overview of such platforms in our selection of services for international virtual cards.

Key criteria for choosing a service

There are dozens, if not hundreds, of virtual card services now. But when it comes to advertising, especially affiliate marketing, not only “price and convenience” are important, but also specific technical and operational parameters. Here is what you should pay attention to before choosing a platform for a virtual Mastercard.

1. Support for Mastercard Mastercard is the most universal option: it is accepted by most advertising platforms, and moderation is more stable than for cards of lesser-known schemes. Choose services that clearly state that they issue cards of this particular payment system.

2. Issue speed and number of available cards affiliate marketing is about pace. The faster you can issue a new card, the more tests you will do. Ideally, if the platform allows mass generation: at least 10, at least 100 cards at once.

3. Commissions Pay attention to:

• card issuance cost;
• top-up (in % or fixed);
• transaction fees;
• fee for refusal or return.

The ideal option is a transparent structure, without hidden fees. In this regard, services with API for integration and automation of finances have shown themselves well, where you immediately see the entire economy.

4. Limits and cost control The ability to flexibly limit budgets is critically important. It is good if there are:

• daily/monthly limits;
• auto-stop when exceeded;
• real-time display of costs;
• and push notifications for transactions.

This is especially convenient when working in a team - to control each advertising account.

5. Compatibility with advertising platforms Not all cards are suitable for Google Ads, Meta or TikTok. Check reviews, tests, mentions in guides. Some services directly indicate: “our cards pass moderation in Google Ads in 96% of cases” - and this is already an indicator. When choosing a platform, you should not chase only the price - the main thing is that the card works exactly where you need it. Then both budgets will be safe and tests will be effective.

Top 10 Virtual Mastercard Card Services

1. FuncCards

One of the most convenient services for arbitrageurs working with large volumes of traffic.

• Instant issuance of Mastercard-cards
• Simple registration without unnecessary bureaucracy
• Single balance for dozens of cards — convenient budget allocation
• Support for Facebook, Google Ads, TikTok
• Ideal for scaling and teamwork

More details: FuncCards – convenient cards for affiliate marketing

2. PST.NET

A service popular among professional affiliators.

• Mass generation of cards in a few seconds
• Works with Meta (Facebook, Instagram) and TikTok Ads
• Available cashback, volume bonuses
• Possibility of free issuance of up to 100 cards

3. Wallester

• Powerful solution for corporate media buying.
• Up to 300 free cards per account
• Flexible access settings for the team
• Built-in analytics and real-time expense control

4. Revolut Business

• Ideal for small agencies and freelance teams.
• Up to 200 cards per account
• Quick limit settings
• Simple interface, convenient for teamwork

5. Karta.io

• A service tailored to the needs of marketing agencies
• Unlimited number of cards
• Real-time balance updates
• Automatic budget management

6. Marqeta

• A modern payment solution with analytics
• Each card is for a separate campaign
• Linking expenses to specific projects
• Integration with accounting and financial accounting

7. LinkPay

• A basic but stable solution.
• Supports Mastercard
• Minimalistic interface — suitable for freelancers
• Simple card creation procedure

8. EPN Cards

• Solution for working in Tier-3 geo.
• Flexible tariff plans
• Possibility of replenishment in different currencies
• Minimum entry threshold

9. Spend.net

• Platform with a focus on stability.
• High transaction throughput
• Adequate customer support
• Possibility of replenishment with cryptocurrency

10. Grey

• Platform for freelancers and small projects.
• Suitable for paying for advertising on social networks
• Simple replenishment and transparent reporting

See also: Virtual cards for Facebook/Instagram Ads

Which card should you choose for yourself?

There is no single ideal service for everyone — the choice of a card depends on how and in what volumes you work with advertising. Below is a short guide to help you navigate.

If you work with large budgets Choose platforms that support API, detailed analytics and flexible limit management. This will simplify automation, allow you to delegate processes and keep full control over costs. For example, FuncCards or Marqeta are perfect for this.

If you run a lot of tests The key parameter is the speed of card creation and the number of available units. The fewer clicks, the faster you fill in new connections. Ideally, if the service allows you to create dozens of cards per minute and immediately connect them to advertising accounts.

If the budget is limited In this case, it is important to avoid hidden fees. Look for services with transparent fees for replenishment, transactions and maintenance, where you know exactly what you are paying for. FuncCards and Grey are good options for starting without overpayments.

More tips — in our guide to choosing cards for media buying, which considers various scenarios of work: from solo testing to scalable advertising systems.

If your work is related to paying for advertising on international platforms, Mastercard is probably the most reliable option. It is accepted without any problems by Google, Meta, TikTok and most other advertising services. And most importantly — such cards are blocked less often and are better moderated, which is especially important for affiliators who work for speed and scale.

Among the services that deserve attention, FuncCards stands out for its ease of connection and the ability to scale without unnecessary delays. This solution is suitable for those who are just starting out and for teams that launch dozens of campaigns every day. However, you should not limit yourself to just one tool. The combination of several platforms allows you to flexibly respond to the requirements of advertising accounts, work in different geos and avoid risks.

If you are looking for cards specifically for Google or Meta Ads, we recommend that you refer to our selection of the best solutions for traffic affiliate marketing.