Virtual cards for TikTok ads: top 3 reliable services for your budget

Media buying for TikTok Ads is a multifaceted task with many variables. Competition is increasing, budgets are expanding, and platforms frequently update their rules. To navigate this dynamic environment effectively, it’s essential to streamline the payment process. Virtual cards are a convenient tool for managing expenses, avoiding account blocks, and optimising budgets.

Why use virtual cards for TikTok ads?

Virtual cards make it easy to separate budgets and track spending. Imagine you have 10 advertising accounts, each testing several campaigns. If all expenses flow through a single card, it becomes challenging to monitor them effectively. Virtual cards help you organise your finances: each campaign gets its own card, and each client has a dedicated budget.

Additionally, TikTok Ads often processes payments in US dollars. If you’re using a card in another currency, conversion fees can eat into your budget. With virtual cards, you can pay in the required currency and avoid unnecessary costs.

The market today offers a variety of services for creating virtual cards. It’s crucial to choose the one that meets your needs. In this article, we’ll explore three trusted platforms: PSTNET, ComboCards, and Wellcards. These services are favoured by professional media buyers for their convenience, security, and ability to provide complete control over expenses.

PSTNET

PSTNET offers virtual cards specifically designed for use on advertising platforms. Their range includes cards for TikTok advertising and more, as well as universal credit cards with 3% cashback through their PST Private programme.

All PSTNET cards are equipped with features essential for media buying and can be issued in unlimited quantities. Key benefits include no transaction fees, no charges for fund withdrawals, and the ability to handle operations with blocked or frozen cards.

Key features:

• BINs: Access to over 25 trusted BINs linked to banks in the US and Europe
• BIN checker "Pulse": A free tool with a database of over 500,000 BINs for card verification
• Card funding: Supports 18 types of cryptocurrencies, including BTC and USDT (TRC20 and ERC20), as well as SWIFT and SEPA bank transfers and Visa/Mastercard payments
• Team tools: Set card limits, assign tasks, and manage team roles
• Budget analytics: Access detailed reports on all financial transactions
• Registration options: Sign up using Apple ID, Google account, Telegram, WhatsApp, or email
• Customer support: Available 24/7 via Telegram, WhatsApp, or live chat

ComboCards

ComboCards provides virtual cards for advertising payments, supporting Visa, Mastercard, and UnionPay. Transactions are free of fees and failures. Despite being a newcomer to the market, ComboCards has earned a solid reputation among professionals. New features are being developed to expand user capabilities further.

Key features:

• BINs: 12 options tied to banks in the US, Europe, the UK, and Hong Kong
• Team tools: Add team members and assign roles
• Budget analytics: View transaction history with ease
• Card funding: Supports USDT (TRC20) transfers, bank transfers, and partner service payments
• Registration process: Complete a website form, verify your email, and wait for system approval. The process takes less than a day
• Customer support: 24/7 assistance via live chat or email

Wellcards

Wellcards is a platform for creating virtual debit cards equipped with 3D Secure technology. Their cards come with no fees for declined transactions or withdrawals. A 3% fee applies to account top-ups, and new users receive 5 free cards upon registration. The minimum deposit to open a card is just $50.

Key features:

• BINs: Five BINs issued by US banks
• Security technology: 3D Secure support for safe payments
• Card funding: Accepts USDT (TRC20 and ERC20) transfers
• Registration process: Complete a standard form, pass KYC verification, and wait for account approval
• Customer support: Available 24/7 via live chat

How to optimise your virtual card usage

• Create cards for each campaign: If you have multiple clients or campaigns, assign a dedicated card for each. For instance, if a client pauses their ads, you can simply disable their card without any confusion about expenses.
• Set spending limits: Some services allow you to set limits on cards, which is useful for testing new strategies. For example, if you allocate a $300 budget to a campaign, the card will stop working once the limit is reached, preventing overspending.
• Keep spare cards ready: TikTok occasionally declines payments without explanation. Having a backup card ensures your ads continue running seamlessly if your primary card is blocked.
• Use separate cards for different accounts: If one advertising account is flagged, TikTok may block associated accounts. Using a unique card for each account reduces this risk.
• Monitor real-time spending: Many services send alerts when spending nears the card limit. For instance, if your daily budget is $50, you’ll receive a notification as you approach this amount, allowing you to adjust settings in time.

Managing TikTok Ads requires precision. The more campaigns and accounts you handle, the harder it becomes to track expenses. One misstep can lead to overspending, losing a client, or halting a campaign.

Virtual cards from PSTNET, ComboCards, and Wellcards help minimise these risks. Each card acts as a dedicated tool for expense management, giving you clear insights into where and how your money is spent.

When selecting a virtual card service, remember that it’s more than just a payment tool — it’s your partner in advertising. Choose solutions that simplify processes, save time, and give you confidence in your results.