Finding the right virtual card for paying for Instagram Ads is easier than it seems. Today, many financial providers offer pre-configured solutions tailored to media buying. These providers select trusted BINs, set the appropriate billing currency, optimize funding methods, and equip their cards with team management features and expense tracking tools.

This article highlights five financial services that issue virtual cards specifically designed for Instagram Ads: PSTNET, Abcard, Spendge, Funcwallet, and Multicards.

PSTNET

PSTNET’s virtual cards are specifically designed for media buyers, offering pre-configured settings for advertising campaigns. The platform provides some of the best virtual credit cards for Instagram Ads, and users can issue an unlimited number of cards.

Key benefits include zero transaction fees, free balance withdrawals, and no charges for operations on blocked or frozen cards.

Additionally, Pstnet offers a membership program called PST Private, which provides a 3% cashback on ad spend. Available as a subscription, this program also includes perks like up to 100 free cards per month and a low 3% funding fee.

Key Features:

  • Payment Systems: Visa/Mastercard
  • BINs: 25+ trusted BINs from banks in the U.S. and Europe
  • BIN Checker: Free BIN verification tool on the platform’s website
  • Team Tools: Set card limits, assign tasks, and manage team roles
  • Expense Analytics: Detailed financial operation reports
  • Funding Methods: Support for 18 cryptocurrencies (e.g., BTC, USDT TRC20, ERC20), SWIFT/SEPA transfers, and Visa/Mastercard top-ups
  • Registration: 1-minute signup via Apple ID, Google, Telegram, WhatsApp, or email
  • Customer Support: Available 24/7 via Telegram, WhatsApp, or live chat

Abcard

Abcard.io (also known as AnyBill) is a financial service offering virtual debit cards for advertising payments, including Instagram Ads. These cards support Visa/Mastercard/UnionPay and are backed by five trusted BINs from banks in the U.K., U.S., and Europe.

Abcard allows users to issue an unlimited number of cards. However, each card requires a minimum deposit of $500. While there are no transaction fees, the platform charges a 4.5% funding fee.

Key Features:

  • Payment Systems: Visa/Mastercard/UnionPay
  • BINs: 5 trusted BINs from banks in the U.S., U.K., and Europe
  • Team Tools: Task delegation and role assignments
  • Expense Analytics: Detailed transaction reports in the user dashboard
  • Funding Methods: USDT (TRC20, ERC20)
  • Registration: Standard form with quick account verification via Telegram bot; takes about an hour
  • Customer Support: 24/7 via website chat or email

Spendge

Spendge is a robust system for issuing and managing virtual cards. All cards run on the Visa payment network and are optimized for advertising platforms. Users can issue an unlimited number of cards, making them a great option for Instagram Ads payments.

One of Spendge’s standout features is its transparent fee structure. Internal transfers between accounts are free, while transaction fees are 1% + $0.30, and funding fees start at 3%.

Key Features:

  • Payment Systems: Visa
  • BINs: 10 BINs from U.S. and European banks
  • Team Tools: Create team accounts and allocate cards among team members
  • Expense Analytics: Full transaction history available in the dashboard
  • Funding Methods: USDT (TRC20, ERC20), BTC, SWIFT/SEPA bank transfers, Visa/Mastercard, Capitalist, and partner service balance transfers
  • Registration: Takes up to 24 hours; users need to provide basic details and await system approval. The process is transparent, with real-time updates available in the dashboard.
  • Customer Support: Available via Telegram or live chat

Funcwallet

Funcwallet is a digital finance management platform that includes a cryptocurrency wallet and virtual cards tailored for media buying. While the platform supports Instagram Ads, users need to manually select the right card for their campaigns.

Fees are adjusted based on transaction volume and the number of declines. Funding fees start at 3% when using a crypto wallet, while transaction fees begin at 1.5%, depending on the operation size.

Key Features:

  • Payment Systems: Visa/Mastercard
  • BINs: 3 BINs from European banks
  • Team Tools: Not supported
  • Expense Analytics: Operation history displayed in the user dashboard
  • Funding Methods: USDT (TRC20, ERC20), Visa/Mastercard, and internal wallet transfers
  • Registration: A 72-hour process involving a simple form, data verification, and final account approval by the system
  • Customer Support: Available via a website contact form, but responses may take time

Multicards

Multicards specializes in virtual cards for managing advertising expenses. All cards operate on the Visa/Mastercard payment network and can be issued in unlimited quantities.

Users have full control over daily and total spending limits, with a minimum limit of $10. Funding fees are capped at 5%, and strict policies ensure security: accounts are immediately blocked if used for unapproved services. It’s recommended to consult with service managers for any payment-related queries.

Key Features:

  • Payment Systems: Visa/Mastercard
  • BINs: 5 BINs from banks in Europe and Turkey
  • Team Tools: Set card limits, fund group cards, and enable internal transfers
  • Expense Analytics: Track transaction history across all cards, including new card issuance
  • Funding Methods: USDT TRC20, WIRE transfers, Capitalist
  • Registration: Fill out a website form and wait for account approval
  • Customer Support: Managers available 24/7 via Telegram or email

The digital cards from PSTNET, Abcard, Spendge, Funcwallet, and Multicards come equipped with advanced features for team management. They are easy to set up online and can be issued in bulk, offering BINs suitable for Instagram Ads.

These options help minimize declines by aligning with platform requirements. However, always ensure that the card’s region matches the ad account’s geo-location. Instagram’s anti-fraud systems flag mismatches in geolocation as potential fraud, which may result in payment rejections.

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