How Virtual Cards Simplify Microsoft Ads Payments

Microsoft Ads, with its extensive reach and sophisticated targeting capabilities, has become a crucial platform for businesses aiming to expand their digital footprint. As of 2024, developing robust advertising campaigns on Microsoft Ads is vital for staying competitive in an increasingly digital marketplace.

Microsoft Ads offers unparalleled access to a diverse audience across various devices and platforms, including Bing, MSN, and LinkedIn. These platforms collectively capture millions of users daily, making them essential for reaching potential customers. Effective utilization of Microsoft Ads can drive significant traffic, enhance brand visibility, and ultimately lead to increased sales and conversions.

How Virtual Cards Facilitate Ad Purchases

Virtual cards function just like traditional credit or debit cards, but they exist solely in digital form. Issued by financial institutions or specialized service providers, these cards can be used for online transactions, including advertising payments. They provide enhanced security features, such as unique card numbers for each transaction, reducing the risk of fraud and unauthorized charges.

Navigating the complexities of digital advertising payments can be challenging, especially with the varied requirements and restrictions imposed by different platforms. This is where virtual cards come into play, providing a streamlined, efficient solution for managing ad spend. Virtual cards, essentially digital versions of physical credit cards, offer several advantages that make them an optimal choice for media buyers.

Overview of Top Virtual Card Providers for Microsoft Ads Payments

To help media buyers navigate the options available, we will review five leading virtual card providers: PSTNET, Multicards.io, 4×4.io, Combo Cards, and Adscard. Each of these providers offers unique features and benefits tailored to the needs of digital marketers. Our review will cover key aspects such as ease of registration, user feedback, spending limits, cashback opportunities, and the overall suitability for media buying.

  • PSTNET

PSTNET, a financial service platform, offers specialized virtual cards for Microsoft ads, designed to simplify and streamline the payment process on various advertising platforms, including Facebook Ads, Google Ads, TikTok Ads, and notably, Microsoft Ads.

PSTNET’s virtual cards are issued by banks in Europe and the USA and operate via Visa and Mastercard payment systems. This global reach ensures that PSTNET’s virtual cards can be used anywhere Visa or Mastercard is accepted, providing unparalleled flexibility and convenience for international advertising campaigns.

One of PSTNET’s standout features is its offering of over 25 unique BINs (Bank Identification Numbers). This diversity minimizes the risk of declined payments on advertising platforms, ensuring smooth and uninterrupted transactions. The platform also provides a BIN checker on its website, allowing users to input the first six digits of their card to receive detailed information, further enhancing security and transparency.

Key Features:

  • No Transaction Fees: PSTNET cards boast 0% fees for transactions, withdrawals, and declined operations, allowing media buyers to manage their budgets more effectively without worrying about hidden costs.
  • No Card Limits: There are no limits on the number of cards users can issue. This feature is particularly beneficial for media buyers, allowing them to tailor their advertising strategies to diverse market conditions, target audiences, and marketing goals without restriction.
  • Low Deposit Fees: Deposits start at just 3%, regardless of the funding method, making it cost-effective to top up your balance.
  • 3D Secure Technology: Ensuring transaction security, PSTNET employs 3D Secure technology. Users receive a special code via SMS or a confidential Telegram bot to complete transactions, protecting against unauthorized use.
  • Flexible Funding Options: Balances can be topped up through USDT TRC20, BTC (plus 15 other cryptocurrencies), SWIFT or SEPA bank transfers, or another Visa/Mastercard. This flexibility accommodates various user preferences and expands the service’s accessibility across different regions.
  • Team Collaboration Tools: The team functionality in the user’s personal account allows for assigning roles, setting spending limits, requesting balance top-ups, and obtaining detailed transaction reports. These features make it ideal for both solo and team operations.
  • Instant Card Issuance: Users can obtain active cards immediately after registration, which takes only 1-2 minutes. Registration can be completed using Google, Telegram, WhatsApp, Apple accounts, or an email address. The first card can be obtained without verification, streamlining the onboarding process.
  • Browser-based Cardholder Management: PSTNET provides a browser-based cardholder that allows users to manage a large number of cards efficiently. This feature is particularly useful for media buyers who need to oversee multiple campaigns simultaneously.
  • Special Cashback Program: PSTNET offers a special cashback program with favorable conditions. Users can issue up to 100 cards per month for free and receive 3% cashback on advertising expenses, making it a cost-effective solution for high-volume media buyers.
  • Multifunctional Telegram Bot: PSTNET’s Telegram bot enhances user convenience by providing service notifications, 3DS Codes, and a direct line to technical support.
  • 24/7 Customer Support: PSTNET offers round-the-clock customer support, with specialists available via Telegram, WhatsApp, or live chat to promptly address any issues or inquiries.
  • Multicards 

Multicards is a pioneering online payment system provider established in 1995, headquartered in the Netherlands. It supports a wide range of payment systems, including Visa, MasterCard, American Express, Discover, and several local payment methods. Multicards is designed for global usage, making it a versatile option for businesses operating in multiple geographies. The service emphasizes security through robust encryption protocols and real-time fraud monitoring to ensure safe transactions.

Key Features:

  • Number of Cards Issued: Multicards allows businesses to issue multiple virtual cards, although specific limits depend on the user agreement and account type.
  • Transaction Fees: Transaction fees are competitive and vary depending on the payment method and transaction volume. Typical fees include a percentage of the transaction amount plus a fixed fee per transaction.
  • Reload Fees: The fees for reloading cards depend on the chosen method, with bank transfers generally being more cost-effective compared to other options like credit card reloads.
  • Balance Reload Methods: Users can reload their Multicards through various methods including bank transfers, credit/debit cards, and local payment systems.
  • Registration and Card Issuance: To register and issue a card, users need to create an account on the Multicards platform, complete the KYC (Know Your Customer) process, and follow the online instructions to request and activate virtual cards.
  • Customer Support: Multicards offers comprehensive customer support through email and a dedicated support hotline. The support team is available to assist with technical issues, account management, and transaction queries.
  • 4×4

4×4 provides virtual debit cards primarily from Ukrainian and European banks, supporting both Visa and MasterCard. These cards are designed to facilitate seamless transactions on major advertising platforms, including Google Ads, Facebook Ads, and TikTok Ads. The service ensures high security through its integration with reputable banking institutions and offers exclusive BINs to enhance ad network compatibility.

Key Features:

  • Limitations on Card Issuance: 4×4 allows users to issue multiple virtual cards, with the first five cards being free for new users.
  • Transaction Fees: The service charges a fee of $2 for issuing each card, along with a 5% fee on card charges.
  • Top-Up Fees: Card top-ups come with a fee starting from 5%.
  • Balance Replenishment Methods: Users can top up their cards using various methods including PAXUM, SEPA, and USDT, all of which incur a 0% fee.
  • Registration and Card Issuance: To register and issue a card, users need to sign up on the 4×4 website, after which the card will be issued within 15 minutes and available in the user’s virtual wallet.
  • Customer Support: 4×4 offers 24/7 customer support accessible via Telegram and email. The service also provides a dedicated personal manager for users spending over $30,000 monthly.
  • Combo.cards

Combo Cards is a versatile provider of virtual cards designed for global use. These cards support major payment systems, including Visa and Mastercard, making them suitable for transactions in regions such as the USA, Europe, UK, Asia Pacific, and Latin America. Combo Cards emphasize security through 3DS (3-D Secure) support and OTP (One-Time Password) codes sent via a personal Telegram bot, ensuring each transaction is verified and secure. This security protocol helps prevent unauthorized access and fraud, providing peace of mind for users.

Key Features:

  • Card Issuance Limits: Combo Cards allows users to issue an unlimited number of virtual cards, providing flexibility for businesses and individuals who need multiple cards for various purposes.
  • Transaction Fees: The service charges a transaction fee ranging from 1% to 3% for currency conversions. Additionally, there is a fee of $0.5 for each declined payment, encouraging users to manage their accounts effectively.
  • Deposit Fees: Fees for reloading cards vary depending on the method used. Reloading via USDT or partner networks incurs a 3% fee, while using USDT from exchange wallets is more cost-effective, with a fee of only 0.5%.
  • Balance Top-Up Methods: Users can replenish their card balances through several methods, including USDT (Tether), wire transfers, and partner networks. This variety of options provides convenience and flexibility for users to manage their funds.
  • Registration and Card Issuance: The registration process is straightforward. Users need to sign up on the Combo Cards platform using their email and contact details. After confirming their email, users can add a minimum of $50 to their account to issue their first virtual card. This process ensures that users are verified and ready to use their cards quickly.
  • Customer Support: Combo Cards offers robust customer support through multiple channels. Users can access support via their account settings, where they can find assistance with any issues or questions they may have. Additionally, Combo Cards provides notifications and OTPs via a personal Telegram bot, making it easy for users to stay updated on their account status and secure their transactions.
  • Adscard

Adscard is a specialized platform offering virtual cards tailored for digital advertising payments. It supports major payment systems, including Visa and Mastercard, making it suitable for global use. Adscard emphasizes security through advanced features like 3DS (3D Secure) support, two-factor authentication (2FA), and PIN settings for fund withdrawals. These security measures ensure that transactions are protected from fraud and unauthorized access, providing a reliable payment solution for businesses engaged in digital advertising.

Key Features: 

  • Card Issuance Limits: Adscard allows for the issuance of an unlimited number of virtual cards. This flexibility is particularly beneficial for businesses managing multiple advertising accounts or campaigns, as it enables easy segregation and tracking of expenses.
  • Transaction Fees: The platform charges a transaction fee of 4%, which is competitive within the industry. This fee structure is designed to be straightforward, helping users to easily calculate their costs.
  • Deposit Fees: Adscard does not impose any fees for balance top-ups. This policy makes it cost-effective for users to maintain their account balances and ensures that the full amount of deposited funds is available for use.
  • Balance Top-Up Methods: Users have multiple options to replenish their card balances, including SEPA (Single Euro Payments Area) transfers, wire transfers, USDT (Tether), ACH (Automated Clearing House) transfers, and SWIFT (Society for Worldwide Interbank Financial Telecommunication) transfers. This wide range of options provides flexibility and convenience for users to manage their funds according to their preferences and financial arrangements.
  • Registration & Card Issuance: The registration process on Adscard is user-friendly. Prospective users need to sign up on the Adscard website by providing their email and contact details. Once their account is verified, they can issue virtual cards instantly. The quick issuance process ensures that users can start managing their ad payments without delay.
  • Customer Support: Adscard offers robust customer support available 24/7/365 through their website. Users can reach out for assistance with any issues or inquiries, ensuring continuous support for their payment needs. This around-the-clock availability is crucial for businesses operating in different time zones and needing prompt resolution of any problems.

Virtual cards have become an essential tool for managing Microsoft Ads payments, offering enhanced security, flexibility, and cost-efficiency. PSTNET, Multicards.io, 4×4.io, Combo Cards, and Adscard each provide unique benefits tailored to the needs of digital marketers. From zero transaction fees and unlimited card issuance to robust security features and flexible funding options, these services simplify the complex process of ad payments. By leveraging these virtual card providers, businesses can optimize their advertising budgets, enhance security, and achieve greater success in their digital marketing efforts.

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