"Risk Payment"—two words that strike fear into the heart of any media buyer. You can have the perfect farmed account and the cleanest proxies, but if Facebook doesn't like your card, the entire setup will be banned instantly. In 2025, choosing the right payment solution is not just about convenience; it's a key element of risk management.
In this guide, we'll break down why virtual cards have become the standard for media buying and how to choose a service that won't let you down. We'll conduct a detailed review of four market giants—Stellar Card, BroCard, AnyBill, and FlexCard—comparing their fees, BINs, and terms to help you find the perfect payment solution for your tasks and budgets.
Table of Contents:
Why Are Virtual Cards a Must-Have for Media Buyers?
Using your personal bank card to pay for ads is a direct path to problems. Virtual cards solve several key issues at once:
- Mass Issuing: You can create dozens or hundreds of cards for each King Account or Business Manager, diversifying your risks.
- Trusted BINs: Services offer cards with BINs (the first 6 digits of a card number, indicating the bank and country) from trusted GEOs (USA, Europe), which significantly increases payment success rates.
- Security: You don't expose your main financial data. If a card is blocked, you simply issue a new one, and your personal funds remain safe.
- Team Convenience: Easily issue cards to team members, set spending limits on them, and control expenses centrally.
A Comparative Review of 4 Top Services
We've analyzed four popular services that have earned trust within the affiliate marketing community.
1. Stellar Card
A service created with a focus on media buyers. Its main advantage is the use of high-quality, trusted BINs that bind well to Facebook and other platforms.
- Key Feature: High payment success rate.
- Fees: Determined individually, depending on volume.
- Support: Fast and competent, they understand the specifics of media buying.
- Verdict: A reliable choice for those who value stability.
2. BroCard
An excellent solution for starting out and testing. BroCard offers new users up to 50 free cards, allowing you to test different setups without initial investment.
- Key Feature: Up to 50 free cards for new users.
- BINs: Over 20 verified BINs from foreign banks.
- Terms: User-friendly interface for teamwork.
- Verdict: An ideal option for those who want to test a service with minimal costs.
3. AnyBill
A service tailored for teamwork and high volumes. It allows for the creation of an unlimited number of cards with no issuance fees, which is beneficial for scaling.
- Key Feature: Unlimited and free card issuance.
- Funding: Instant crediting of funds with a deposit from $50.
- Compatibility: Works great with Facebook, TikTok, and Google Ads.
- Verdict: The best choice for affiliate teams.
4. FlexCard
A flexible and powerful service offering Visa Business debit cards with a long validity period (up to 3 years) and a wide selection of trusted BINs.
- Key Feature: 11 BINs from the USA, UK, Brazil, and Europe.
- Issuance: Instant, up to 5 minutes.
- Terms: Promo codes and bonuses available for new users.
- Promo Code: `PROAKSTORE5` — gives 5 free cards on the first deposit.
- Verdict: A universal solution for those who need a choice of card GEOs.
How to Choose the Right Service: A Checklist for Media Buyers
To avoid making a mistake, answer a few questions:
- How many cards do you need? If many and for a team, look at AnyBill. For testing, BroCard.
- Which GEO are you targeting? If you need cards from a specific country (e.g., USA), your choice is FlexCard.
- What is more important: low fees or maximum success rate? If success rate, choose Stellar Card with their trusted BINs.
- How do you fund your balance? Make sure the service supports your preferred funding methods (e.g., crypto).
FAQ: Answers to Key Questions About Cards for Facebook
1. Why does Facebook block cards (Risk Payment)?
The main reasons are: a mismatch between the card's GEO and the account/proxy's GEO, using a BIN from Facebook's "blacklist," trying to link one card to multiple banned accounts, or simply insufficient funds on the balance.
2. What is a BIN and why is it so important?
A BIN is the first 6 digits of a card number, which identify the issuing bank and its country. For Facebook, a card BIN from a trusted GEO (e.g., USA) inspires more confidence than a BIN from a country with a high fraud rate. The right BIN is key to a high payment success rate.
3. Can I use one card on multiple ad accounts?
It is strongly not recommended. If one of the accounts is banned, Facebook may "flag" the card, and all other accounts using it will be at risk. The golden rule is: 1 ad account = 1 unique card.
4. Do I need to "warm up" a new virtual card?
Yes, it's good practice. Before linking a card to Facebook, you can make a few small purchases at well-known online stores (e.g., Amazon, eBay). This shows the issuing bank that the card is "live" and being used by a real person.
5. Which service from the review is best for a beginner?
For a beginner, the ideal start would be BroCard, due to the ability to issue up to 50 cards for free. This allows you to test the mechanics of working with virtual cards without initial investment.
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