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Traffic arbitrage

How to create and issue a virtual card

Arbitrators often have to spend money on supplies. This is especially true for webmasters who work with Facebook and suffer from account blocks. Sometimes they have to change accounts multiple times a day because Facebook shuts down the entire network at once.

In addition to Facebook accounts, arbitrators spend money on purchasing promo codes, prepaid cards, services, and other tools. It is possible to partially manage without supplies, but it is easier to buy an account without VAT and save on budget replenishment in advertising networks.

What are virtual cards used for

Arbitrators who heavily work with Facebook and other networks extensively use virtual cards that are practically indistinguishable from physical cards. They can be linked to advertising accounts, used to pay for services, reissued if necessary, and have payment limits set.

If you are simultaneously running dozens of campaigns across different accounts, chances are you are already using virtual cards. Some webmasters set a daily spending limit with the bank or service, ensuring that Facebook doesn't deduct excessive amounts.

Facebook often rejects cards for various reasons, making virtual cards almost the only way to keep a valuable traffic source. Dealing with Facebook can be a hassle, but with the right approach, the costs will undoubtedly pay off, allowing you to generate profit.
Virtual cards are not only suitable for advertising networks. They can be used to pay for hosting, SPY services, website builders, subscriptions, and more. For services, there is no difference in payment processing, and the card owner receives a standard SMS confirmation or push notification on their phone. In fact, it is possible to completely hide from all systems and use online SMS reception with a disposable number.

Arbitrators have their own ways of obtaining new cards. Some use virtual cards from electronic payment systems that are issued under favorable conditions. Other webmasters pay thousands of dollars for the ability to issue dozens of cards without verification.

Practical experience shows that virtual cards quickly get flagged in advertising networks. Facebook, for example, follows its own principles. It may reject a physical plastic card due to insufficient funds, even if there are much more funds available. Conversely, it willingly "consumes" a virtual card.

An alternative to virtual cards from banks and services are prepaid cards with a balance, which are sold on platforms like Plati.ru and other digital marketplaces. They are suitable for one-time top-ups, but the commission fees often make them less advantageous to purchase.
For example, a €100 prepaid card costs $142, but in reality, the buyer receives $120.65 at the current exchange rate. Over $20 will have to be paid to the seller for the opportunity to obtain a prepaid card and make a payment without documents. The cost of such "plastic" depends on the seller's preferences, but the average commission is around $5.

To help arbitrators resolve the issue of virtual cards once and for all, we have compiled a selection of banks, electronic payment systems, and services that allow for the quick issuance of virtual cards and their usage for specific tasks.

If you dislike compilations, you can use the table for a quick selection of a service based on your needs.

Rating of Virtual Cards


PST.NET is a payment service that allows the issuance of various types of virtual payment cards, including VISA and Mastercard from banks in the USA and Europe. These cards can be used for online purchases, subscriptions to online services, advertising payments, and more. The issuance of a virtual card is almost instant - simply register on the website and apply for the card. It will be immediately available for use in your account. No verification is required to obtain the first card. However, if you need more than one card, a simple KYC (Know Your Customer) process needs to be completed, which typically involves submitting a photo of your passport. USD and EUR cards are available.
There are several ways to top up your PST.NET account, including USDT TRC-20 and BTC transfers, Visa & Mastercard cards, as well as bank transfers through Swift and SEPA. You can choose the most convenient method of funding for you.

Some cards are specifically designed for topping up advertising accounts, while others are suitable for purchasing goods. The Universal Card and 3DS Universal are suitable for payment of goods. Card prices start from $1, and the fees vary depending on the functionality and range from 2%.
  • The ability to obtain the first card without undergoing KYC (identity verification);
  • Availability of cards with 3D Secure (SMS verification);
  • Fast card issuance;
  • No limits on the number of cards issued, expenses, and balance size after completing KYC;
  • Variety of card types for different purposes;
  • A large number of exclusive trusted BINs (20+);
  • Fast and responsive customer support.
  • The requirement to undergo verification in order to obtain a second card.


EPN is a service for arbitrage teams that provides Visa and Mastercard cards with BINs from 18 major US banks. These cards are perfectly suited and do not get flagged on platforms like Facebook, Google, TikTok, and others. Each card has a physical copy, which increases trustworthiness with these platforms.

• 0% on the first top-up
• $0 for card issuance
• 0% payment commission
• 0% withdrawal fee from the card
• 0% for declined payments
The service does not work with first-party billing, which allows the cards to pass moderation instantly.
Some of the notable advantages include:

  • Team access
  • High-level support.


Last year, the payment service Qiwi launched the "QIWI Master" package, which is essentially a unique offering in the market. No other payment system has similar tools. For 2,999 ₽ per year, webmasters get the opportunity to issue up to 50 prepaid or debit cards, which are well-suited for Facebook, Google, and other social networks.

According to feedback from arbitrageurs, there are occasional issues with Qiwi cards on Facebook. Although they have unused BINs and meet the requirements of international advertising networks, some webmasters reported that the card does not become the primary payment method due to GEO mismatch.

The first 5 cards are issued for free, and for each subsequent card, they charge 99 or 199 ₽ depending on the type. By simple math, we get a total of 13,000 ₽ that webmasters will have to pay for 50 debit cards and annual maintenance.

The only downside is that the cards are issued for a year. This means they will need to be reissued after 12 months. Qiwi offers an almost perfect option in the market - there is no need to undergo identity verification to order the package. It is only necessary to enter personal information, and uploading scans is not mandatory.

Qiwi promises that in the near future, the number of cards per account will be increased to 100, and the ability to set transaction limits will be introduced. This is great news for those who used to maintain multiple wallets simultaneously.
  • Instant issuance
  • Free servicing
  • API for automated issuance
  • First 5 cards are free
  • Card statements
  • 259 ₽ per year per card when issuing 50 virtual cards
  • Currency conversion at the Qiwi rate for payments in foreign services
  • Responsive customer support.
  • Required to fill out an application form
  • Lack of ability to set payment limits
  • Unable to test QIWI Master

Please note that the translation "→" is not applicable in this context.


In the middle of last year, there was information that Yandex virtual cards were officially discontinued for arbitration. If there are many unsettled accounts on the card, it cannot be used to pay for subscriptions in foreign services.

Restrictions were applied to all cards on the account, even if only one virtual card was affected. According to the support team, these sanctions last for 3 months and then are lifted. However, the limitations do not apply to standard online payments. Later, it was discovered that the card cannot be used for payments in foreign services.
If you want to issue 10-20 cards simultaneously, YooMoney is not suitable for you. Currently, you can only have a maximum of 3 virtual cards on your account. When attempting to issue new cards, you will receive a notification saying, "It seems that you change virtual cards too often. Please try again tomorrow."

For Facebook, you cannot use YooMoney cards, but they can be used for VK (a Russian social media platform) and local advertising systems. Moreover, nothing prevents you from depositing funds into your advertising account through intermediaries. For example, eLama readily accepts virtual cards.

  • Visa and Mastercard cards
  • Free service
  • Free issuance
  • Temporary card blocking
  • Responsive customer support.

  • Limit of 3 cards per account
  • Inability to set payment limits
  • Cannot be linked to international services
  • Requires identification
  • Test YooMoney →


Many webmasters like Tinkoff Bank for its convenient mobile application and user-friendly service. In addition to physical cards, you can issue virtual cards within the app and use them for platforms like Facebook. However, initially, you will need to obtain a debit or credit card because the virtual card is linked to the main account.

A few months ago, arbitrators discovered a bug in the application that allows for almost automatic issuance of virtual cards. To do this, you need to order a Tinkoff Black card, activate it, and issue debit cards until the limit is reached. Typically, restrictions are imposed after 5-10 reissues.

Not everyone experiences this bug, so it's not possible to predict the outcome in advance. However, there have been successful cases where webmasters reissued up to 10 cards and used them sequentially to fund accounts and make online payments.

  • Free service
  • Free issuance
  • Responsive customer support.

  • Limit of 5 cards per account
  • Inability to set payment limits based on transaction volume
  • Requires identification
  • Test Tinkoff →

Megafon Bank

Megafon Bank is not a bank but rather a service for conducting payments, ordering cards, and paying for mobile services. Megafon allows you to issue 5 digital Mastercard cards under a single account. The payment balance is equivalent to the phone balance.

The cost of service on the most budget-friendly tariff is 49 RUB. The first two months are free. If you spend more than 3,000 RUB per month, no fees will be deducted for the service.

  • Customizable payment limits based on transaction volume
  • High limits: 60,000 RUB per day
  • Cashback
  • Responsive customer support.

  • Requires identification
  • Periodic errors occur when issuing more than one card
  • Only supports Mastercard

Test Megafon Bank →


In 2020, the payment system announced the launch of virtual cards for users who work with Facebook and other advertising networks or frequently make online purchases.

While not the most advantageous option, these cards have good trust due to being issued by an organization with jurisdiction in Lithuania. Russian citizens can issue up to 5 cards per individual, but only Visa cards are available. Mastercard and mass issuance of virtual cards are available to citizens of EU countries.

  • Fast card reissuance
  • High limits based on transaction volume: starting from 2,500 € per day
  • Responsive customer support.

  • Fees for card issuance, service, owner identity verification, and account top-up
  • Requires identification

Test Capitalist →


The payment service offers ePayService Mastercard® Virtual cards with high limits and free service. These virtual cards can be linked to services or used for online payments.

There are two types of cards available in the service: Single, which can be topped up once, and Multi, which can be topped up multiple times. The validity period is very short compared to other services - 2 and 6 months respectively. However, there are no fees for top-ups, and the service is free.

  • High limits based on transaction volume: $3,500-5,000
  • No commission for top-ups
  • Free service
  • Responsive customer support.

  • Short card validity period
  • Requires identification, including video verification.

Test ePayService →


A service for mass issuance of virtual cards that are perfectly suited for platforms like Facebook, Google Adwords, Yandex.Direct, TikTok, and other advertising networks. It was created with a focus on arbitrage specialists and webmasters working in high volume.

The promotional landing page appears to be hastily made, but the concept of the service is intriguing. We spoke with the owner and received a brief comment from him.
The service was launched in the autumn of 2020. Currently, we have a shared balance and a rich set of features for working with traffic. As arbitrage specialists ourselves, we prioritize developing the features that we find lacking. Currently, we are working with one bank, but in the near future, we plan to allow users to work with multiple banks. We also plan to introduce dollar and euro cards.

As you can see, the service is relatively new and in the near future, euro and dollar cards should become available. The absence of fees for top-ups, card statements, and statistics is very pleasing, but the tool still appears to be somewhat raw. To register for the service, a promo code is required, which the owner provides during a personal conversation with a new client.

It makes sense to closely work with the service once the product is further developed and the advantages are clearly explained. For now, it's worth creating a couple of cards and seeing how well they perform on platforms like Facebook and other services.

  • Free service
  • Unlimited number of cards
  • Low issuance cost
  • No top-up fees
  • Card reissuance available

  • Top-up available only through Webmoney
  • Cards issued by a single bank
  • Limited to Russian Rubles only
  • Occasional 500 error

To test AdsCard →


Another service focused on the needs of arbitrage specialists and webmasters. It issues premium MasterCard Platinum BIN cards for advertising payments and online purchases. It positions itself as a reliable tool for issuing virtual cards that are 100% suitable for FB. They can also be linked to Google and other advertising networks, but there are no guarantees of functionality.

The account can be topped up using five methods: BTC, Webmoney, Payoneer, Wire transfer, and bank transfer. The most cost-effective option is to make payments through Webmoney with a 1% commission. The cost of issuing a single card is 6,900 ₽. There is a subscription model that offers reduced costs for issuing 10 or more cards.
What we offer are cards from a prestigious Russian bank, genuine MasterCard Platinum cards (not virtual, we simply don't transform them into physical plastic), and they work for all countries on Facebook. This is possible thanks to their premium status and the fact that Facebook perceives the card as a physical plastic card, which instills more trust. This level of trust cannot be achieved with virtual cards. Our focus is specifically on working with Facebook, and we provide a guarantee for that. From our experience, we know that the cards can also be successfully linked to Russian Google accounts. As for other platforms, their usage is at your own risk, and we do not provide guarantees. However, we are aware of successful usage on platforms like TikTok, Twitter, and others.

Extracard support

The personal account of the service is well-designed, operates smoothly, and provides useful tools. However, the high cost and fees may not be appealing to everyone, but established arbitrageurs who can effectively offset the expenses may find this product suitable for their needs.

  • No need for identification.
  • Unlimited number of cards.
  • 5 methods of account replenishment.
  • Comprehensive statistics for all cards.
  • 3DS codes available within the service interface.
  • Unique BIN (Bank Identification Number).
  • Guarantee against Facebook blocking upon initial linkage.
  • Commission on account replenishment can be reduced to 6% for large volumes.
  • No limits on payment volume.
  • Responsive technical support with prompt responses within minutes via Telegram.

  • High commission for account replenishment.
  • High cost of card issuance.
  • Inability to reissue cards.

Advanced Cash

  • Card Issuance Cost: $95
  • Service Fee: $30-60 per year
  • Number of Cards: 2 per account
  • Free Issuance: No
  • Payment System: VISA
The payment system allows you to issue 2 cards. The first one is suitable for working with cryptocurrencies, while the second one can be used for online advertising and other internet purchases. The card issuance cost is relatively high, but having an unused BIN in Facebook can be beneficial.

When funding the card, the service charges 2.95% of the payment amount. Residents of the EU can obtain a physical card with more favorable rates.


  • Card issuance cost: $3 / $10
  • Service fee: free
  • Number of cards: unlimited
  • Free issuance: N/A
  • Payment system: Mastercard
The service positions itself as a non-bank solution for arbitrageurs and serves as an excellent alternative to Extracard. The unique feature of this service is that it offers both virtual and physical cards.

According to feedback from webmasters, these cards integrate well with Facebook, but they may encounter issues with Google. Therefore, it is recommended to use them primarily for Facebook and consider testing them with other advertising networks. One of the standout features is that the cards are issued by an organization based in the USA, and the BIN check identifies them as being from the USA.

MajorFund allows you to top up your account using Webmoney, Capitalist, or cryptocurrencies without any fees. However, it is advisable not to deposit a large amount of funds at this stage due to the service's current raw state. For example, while you can deposit funds, withdrawing money is not yet available.
UPDATE: Recently, the service experienced significant challenges caused by malicious actors, resulting in the service being compromised. As a result, the service's management has been compelled to reassess its user policies and urgently implement updates to address the situation.
As of today, the service is gradually restoring access to clients with positive performance indicators.


  • Card issuance cost:
  • Service maintenance cost:
  • Number of cards:
  • Free issuance:
  • Payment system: Mastercard
A private service that issues prepaid virtual cards for advertising on platforms like Facebook, Google, TikTok, and others. Unlike other services, these "plastic" cards are designed for one-time use. Once the balance is depleted, a new card needs to be issued.

Previously, it was possible to bypass the invitation requirement by using the ZaleyCash service for top-ups, but that option is no longer available. The support team has not provided any specific timeline for restoring integration with these two platforms.

eCards are known for their affordable balances. You can purchase a card with a balance ranging from $10 to 10,000 rubles. All cards are issued by the Russian bank "Otkritie."

It is recommended to stay updated on the service's restoration progress since the integration with ZaleyCash allowed for fee-free funding of Facebook accounts, saving unnecessary expenses.

Source: AffTimes

Overall Rating

  1. Qiwi: 4.25%, 50 cards, 2,990 per year, 1 year, 5, 99 RUB prepaid / 199 RUB debit.
  2. YooMoney: 2.9%, 3 cards, free, 1 year, 3, free.
  3. Tinkoff: Depends on the tariff, 5 cards, free, 8 years, 5, free.
  4. Megafon Bank: 5% currency conversion fee, 5 cards, 49 per month or free with turnover from 3,000, 3 years, 5, free.
  5. Capitalist: 3% top-up fee, 0% for payments, 5 cards, 3 EUR, 5 years, 5, 3.5 EUR.
  6. ePayService: 0% top-up fee, 3 Multi or 10 Single cards, free, 2-6 months, 10, 3 EUR / $.
  7. AdsCard: 3% top-up fee, unlimited cards, free, 1 year, —, 100 RUB.
  8. Extracard: 5-9% + 1-8% top-up fee, unlimited cards, free, 2-3 years, —, 6,900 RUB.
In the article, we have gathered 8 services that offer virtual cards. They have different conditions but similar capabilities. The most appealing offer seems to be from Qiwi, but not all virtual cards can be linked to Facebook, and compatibility with other services needs to be verified in practice.

Regarding options for arbitrage tasks, Extracard appears attractive despite the high cost. It can be used if Facebook is the primary source of traffic and the turnover is not less than 2,000 RUB per day.
The situation with AdsCard is ambiguous. At first glance, everything seems great, but the service is so raw that it's not even possible to register successfully on the first attempt. Additionally, the owner doesn't disclose which bank is used for card issuance and how unique the BIN is.

For those using international payment systems, it's worth noting that virtual cards for Russians are expected to be available soon on Advcash. It's definitely worth keeping an eye out for updates to ensure you don't miss the launch of the product.

Bonus: If the service doesn't mention which bank issues the cards, you can request the BIN from customer support and check it in the PaySpace online checker. This way, you'll obtain the name of the issuing bank, card category, type, and country.


In general, there are enough services on the market for issuing virtual cards for advertising purposes across different platforms. Some of these services may require identification, but it is not a big issue if you are engaged in legitimate activities. For arbitrage purposes, Extracard offers suitable cards despite their higher cost.

It is also worth considering MajorFund once more reviews are available and they address the issues caused by early adopters. The situation with eCards is currently ambiguous, and prepaid plastic may not always be suitable for high-volume work.

Please share in the comments which card issuance services you are using. We would appreciate practical insights and experiences.