In 2025, Snapchat remains one of the most popular platforms for advertising due to its young audience and creative ad formats. However, to effectively work Social Media, it is essential to manage budgets properly and ensure timely payments for ad campaigns.
Virtual cards help media buyers and marketers solve several tasks at once. First, they simplify the process of topping up advertising accounts, eliminating delays that might occur when using bank transfers or other payment methods. Second, they allow for control over the budget of each individual ad campaign, which is particularly important when managing multiple accounts or clients.
Each virtual card can be customized for specific tasks. For example, one card might be used for topping up the main advertising account, while another could be reserved for testing new creatives or smaller campaigns. This helps avoid confusion in expenses and optimizes advertising budget management.
In our article, we take a look at the top 5 virtual cards for paying for Snapchat Ads. However, all the virtual providers in our ranking issue cards that are suitable for payments across all popular advertising platforms.
1. PSTNET
PSTNET is a financial service offering virtual cards for advertising. All cards are specially adapted for popular advertising platforms, including Snapchat Ads Card.
The cards are issued based on Visa and Mastercard payment systems and come in both debit and credit forms. All cards can be issued in unlimited quantities, with no transaction fees, no charges for frozen or blocked cards, and no withdrawal fees.
Additionally, the service offers a special BIN check tool. This provides data on card issuance geography, billing thresholds, average card expenditure, and the percentage of approved and declined transactions. This makes financial management more predictable and convenient for media buyers.
Features:
- BINs: Over 25 unique BINs are available with issuance in Europe and the US, minimizing payment rejection risks
- Online BIN checker: Quick access to card information
- Cryptocurrency card funding support: Over 18 cryptocurrencies, including BTC, USDT (TRC20, ERC20), and others
- Standard funding methods: Bank transfers (SWIFT/SEPA), Visa/Mastercard
- Zero fees: No transaction fees, withdrawal fees, or fees for operations with frozen cards
- Low top-up fees: Starting from 2%
- Team collaboration tools: Assign tasks, set roles, and set limits on cards
- Advanced expense analytics: access to financial reports
- Registration:Takes no more than 1 minute, and you can use Apple ID, Google, Telegram, WhatsApp, or email
- 24/7 customer support:Available via Telegram, WhatsApp, and live chat
PSTNET also offers a special program called PST Private for media buyers. With this program, you can issue up to 100 cards per month for free and receive 3% cashback on advertising expenses. PST Private users can top up cards with just a 3% fee. The program is available without the need to verify advertising expenses, making it especially convenient for media buyers working across various platforms.
2. Brocard
Brocard is a service that provides virtual cards for media buying, focusing on supporting advertising expenses across platforms. The service’s virtual cards work with the main payment systems, Visa and Mastercard. This ensures the cards’ compatibility with most advertising platforms and their broad geographic usage.
One of the key aspects of the service is the ability to issue an unlimited number of cards. New users are given a bonus: the first 50 cards can be issued for free. The cost of subsequent cards depends on the BIN used.
Features:
- BINs: Over 20 BINs, including the US, Estonia, UK, and Colombia
- Cryptocurrency card funding support: USDT (TRC20 and ERC20)
- Standard card funding methods:Bank transfers (available only for legal entities), Capitalist, Marketcall
- Funding fees:
- USDT: 4.5%
- Wire: 3%
- Team Collaboration Tools: Assign tasks, set roles for team members, and set limits on cards
- Expense analytics: Analyze expenses using tools on the dashboard
- Registration: Requires filling out a standard form on the website and completing the KYC process (uploading a selfie with a passport and waiting for verification, which takes about 24 hours). Cards are issued instantly after topping up the account with a minimum of $500
- 24/7 customer support:Available via live chat.
The service offers an additional benefit in the form of a cashback program, which applies as long as the rejection rate does not exceed 10%. If this figure rises above 25%, all company cards are blocked within 24 hours. This encourages users to maintain the quality of their transactions and ensure a high level of payment discipline.
3. EPN
EPN.net is a platform for media buyers and marketers, offering international virtual cards for ad campaigns. EPN’s main goal is to provide convenient and secure tools for working with popular advertising platforms like Snapchat. EPN.net’s virtual cards are suitable for paying for international traffic; however, the service recommends not linking them directly to ad accounts due to potential restrictions from platforms.
The service issues virtual Visa and Mastercard cards, which are issued by US banks. To enhance transaction security, users can select cards with 3D Secure support.
Features:
- BINs:Up to 42 trusted BINs from US banks
- Cryptocurrency card funding support: USDT (TRC20) and BTC
- Standard funding methods:Bank transfers (SWIFT/SEPA), Visa/Mastercard
- Card top-up fees: Starting at 2.5%
- Team collaboration tools: Assign tasks, set roles, and set limits on cards
- Registration:Via Google account or email
- 24/7 customer support: Available through Telegram or the ticket system on the website. Every EPN.net customer is assigned a personal manager for prompt resolution of issues
4. Flexcard
Flexcard is a financial platform where users can create Visa/Mastercard virtual cards for media buying. This service is known for its flexibility in card customization and management, making it a suitable option for paying for Snapchat Ads.
Virtual cards can be issued in unlimited quantities.
Features:
- BINs:3 types of BINs are available with GEOs in Sofia, Bulgaria, and Estonia
- Cryptocurrency card funding support:USDT (TRC20)
- Standard funding methods: Bank transfers, Capitalist platform, and transfers from partner services
- Funding fees:Starting at 3.5%
- Team collaboration tools: Includes the ability to assign tasks, set roles for team members, and set limits on cards
- Expense analytics: Users can receive reports on financial transactions related to cards
- Registration: The registration process on the Flexcards platform takes no more than a day. To activate the account, a form needs to be completed and submitted to the service manager
- User support: Flexcards’ support team is available from 10:00 to 22:00 (GMT +3) to assist with any questions
5. Yeezypay
The Yeezypay financial service was launched relatively recently. It issues virtual cards with Visa, Mastercard, and UnionPay support for paying for advertising accounts. The service’s cards are suitable for paying for Snapchat Ads.
They are issued with support from banks in Europe and the US and provide seamless ad payments. Cards can be issued in unlimited numbers, and the process takes little time. Cards can be issued within a maximum of 5 minutes.
Features:
- BINs: 5+ trusted BINs from European GEOs ensure reliable transactions
- Zero fees: no transaction or withdrawal fees
- Withdrawals:Processed through customer support
- Balance top-up: Only USDT (TRC20) is supported
- Expense analysis: Not provided, but spending reports can be requested via the Telegram bot
- Registration on the platform: Done via the Telegram bot, a link to the personal account is sent
- 24/7 tech support: Available via Telegram
How Virtual Cards Help Reduce Advertising Costs
One of the key factors influencing the success of an ad campaign is cost management. Virtual cards offer several opportunities for reducing Snapchat ad expenses:
- Minimizing budget overspending.With virtual cards, it’s possible to set spending limits for each campaign or account, eliminating unexpected expenses.
- Optimizing fees. Some virtual card providers offer favorable exchange rates, helping reduce conversion costs when paying for ads on international platforms. This is particularly relevant for companies working with clients in different countries.
- Managing refunds and chargebacks. In the case of incorrect charges or canceled campaigns, refunds can be processed back to the same virtual card, simplifying accounting and handling such transactions.
- Avoiding fund freezes.In some cases, ad platforms, including Snapchat, may temporarily freeze funds during ad campaign reviews. Using virtual cards helps avoid locking up the company’s main account since each card is linked to a separate account or campaign.
- Integration with other advertising platforms.Virtual cards can be used not only for paying for ads on Snapchat but also on other platforms such as Google Ads or Facebook Ads. This allows for centralized expense management and avoids the need to open separate bank accounts for each advertising platform.
Prospects for Using Virtual Cards in 2024
Virtual cards are steadily gaining popularity among marketers and media buyers. In the coming years, their usage is expected to grow further due to the convenience of management, enhanced security, and the ability to integrate with various advertising platforms.
With new financial providers entering the virtual card market, companies will have the flexibility to choose solutions that best meet their needs, focusing on factors such as fees, limits, and additional features like integration with analytics systems or the option to work with cryptocurrencies.
Thus, virtual cards are becoming an essential tool for those who want to manage their advertising budgets efficiently, reduce costs, and ensure maximum security when running ad campaigns on platforms like Snapchat.
Using virtual cards to pay for ads on Snapchat offers marketers and media buyers numerous opportunities to cut costs and optimize budget management. These cards provide flexibility in controlling expenses, minimizing risks, and quickly responding to changes in advertising campaigns.
With features like setting spending limits, optimizing fees, and centralizing expense control, they help avoid overspending and issues like frozen funds. In our review, we covered five leading virtual card providers — PSTNET, Brocard, EPN, Flexcards, and Yeezypay. These providers offer reliable and flexible solutions that can greatly simplify the process of paying for ads on various platforms.
Their popularity is expected to grow with the emergence of new financial providers and the integration of cryptocurrency capabilities.
