Welcome to BeerMoneyForum.com - BIGGEST MAKE MONEY FORUM ONLINE

[PSTNET]

Virtual payment cards (VCC) from PST.NET provide affiliate marketers with the best protection against risk payment bans.
Our cards are being issued by US banks in virtual format for the convenience of instant access, but also have physical equivalents as an additional tool for Facebook compliance checks.
Trusted BINs let traffic specialists successfully pass any verifications to operate on all advertising platforms like Google Ads, Facebook Ads, TikTok Ads, etc. That's why we think that our cards are the best payment option for online advertising.

PST.NET Advantages

• Exclusive BIN – the best way to protect your advertising accounts from risk payment bans
• Depositing with USDT and BTC, commission fees from 2.9%
• Unlimited number of cards, no spending limits, instant issuance
• Cards with 3-D Secure
• Withdrawals with USDT
• Generous referral program: 50% from referral's first card issuance cost and 10% from all services fees
• Telegram bot for service notifications, spend management control features, constant updates and much more!

Why Are BINs So Important?

Each bank has one or more unique BINs (Bank Identification Number). Any card from any bank contains that number among other digits on the front side, and it is the first thing that draws attention of the automatic verification systems on major advertising platforms like Google Ads, Facebook Ads and Tiktok Ads.
To estimate the BIN quality, verification systems use various statistical data, like percentage of first-time billings, number of unpaid invoices and ratio of aggressive (black hat/gray hat) to regular (white hat) advertising content. The more negative factors associated with a certain BIN, the lower the total trust rating of that BIN, which means higher risk of advertising accounts getting suspended or banned.

There are two ways to work in such conditions:
1. To use cards issued by the major banks in order to decrease the percentage of the affiliate marketers in relation to all other clients
2. To use cards with exclusive BINs which are not in blacklists.
PST.NET offers both virtual payment cards from major US banks as well as VCCs with completely exclusive BINs. Thanks to this, our cards help to pass all the checks on advertising platforms.

Get Free VCC From PST.NET
Forum users can get the fifth payment card for free – just type BEERMONEYFORUM code in the support chat on the PST.NETwebsite.

 

[PSTNET]

Always looking for the highest paying CPA offers?
Or maybe you are more into generous RevShare programs?
Now you don't even have to choose with the best offer (CPA + RevShare) on VCC market!


We Will Pay You For Honest Thoughts!

Up to $250 CPA + RevShare for a review
Up to $50 CPA for a comment
Unlimited income from our affiliate program


How Does It Works?

🖋 Sign up to PST.NET and get your affiliate link

🖋 Write an article or make a video review (you can even make a song) about PST.NET on your website or personal blog and place your affiliate link to get up to $250 flat fee and additional revshare payouts

🖋 Write a meaningful comment on any affiliate related forum, chat or any other media platform to get up to $50 flat fee. You need to have a reputable profile to join our feedback program

Send a link to your opinion to our support chat on pst.net website


FAQ

What determines the amount of payout?
Our support team will evaluate the style and presentation of the materials, as well as audience size and profile level (i.e. senior forum members will get higher rating than junior members). Don't worry, we have only good and kind people in our support team. Plus, you can always ask our support team to evaluate your materials before the posting

How will I get my payout?
Your rewards will be transferred to the USDT balance in your PST.NET account. You can always withdraw your rewards using crypto or spend it on your VCC needs. Withdrawals are processed automatically

What are the terms of RevShare program?
Affiliates will get 50% from referral's first card issuance cost and 10% from all referral's services fees

Can I make multiple posts?
Sure, there is only one condition for multi-posting: each material should be posted on different media platforms and fit all requirements of the affiliate program

Can I get a bigger payout?
We have special offers for key opinion leaders. Drop us a message if your audience size is more than 100k followers

Start spreading your word to get the most profit from our affiliate program!

Visit PST.NET

 

[PSTnett]

Need a free card with trusted BIN?

PST.NET, virtual payment card service, promotional campaign «Test at our expense»:

$0 for the first card!

0% commission on the first deposit!

No documents required!

PST.NET cards are issued by US banks, have exclusive BINs and provide the best protection against risk payment.

First card at no cost and first deposit without commission (for any amount up to $500) are available for all new users.

Number of free cards is limited (1000), don't be late for your free VCC!

 

[PSTnett]

Don't be late for your free virtual card!

"Test at our expense" promotional campaign by PST.NET is still on!

First card at no cost and first deposit without commission (for any amount up to $500) are available for all new users.

The number of cards is limited, so do not miss the opportunity to be one of 1000 users to get it!

 

[PSTnett]

Facebook Ads vs Affiliate Marketing. Who is winning?

BigTech giants like Meta, Google and TikTok collect huge amounts of information not only about their users, but also about those who are engaged in online advertising on their platforms. On the other hand, affiliate marketers are constantly discovering new ways to bypass compliance on the advertising platforms. The question arises, how affiliate marketers are able to continue their traffic activities, despite the capabilities of those corporations?

Experienced media buyers know that in order to pass verifications on main ad platforms, they need to carefully monitor their equipment, network connections and financial instruments. This is affiliate marketing checklist for the 2022/2023 season from PST.NET.

I. Account

In order to provide profitable and stable work on advertising platforms users should consistently demonstrate that they are real people, not bots or fake multi accounts. In other words, fresh profiles require special actions to normalize behavioral factors. Although no one can say for sure, many people think that there is a necessity of posting and adding as many friends as possible to simulate the actions of a real person. However, it's hard to argue with the fact that most of the users mostly consume content, not create it. Let's think about the logic of advertising verifications with the example of Facebook. Obviously, the social network collects tons of private information from multiple devices.

Experts claim Facebook is not interested only in a few personal details such as biological parameters of a user (weight, height, etc.), mother's maiden name, as well as a birthplace and state of health. First of all, the corporation is interested in financial data of its clients. By consuming miscellaneous content, users help Facebook to understand what they like and what they are ready to pay for. Corporation developed an AI for handling all the information received from accounts, discovering patterns and making decisions based on a graph theory. Facebook pays special attention to the structure of user's "contact tree". Most likely, the phones linked to a new accounts might already be contained in database. Facebook gets that data directly from the users' devices, when people allow access to their phone contacts for handy search of friends. In addition Facebook is able to detect more complex connections, for example, connection between people who are using the same Wi-Fi network, or are in the same location simultaneously.

Users with empty "contact tree" looks very suspicious for Facebook Ads. Despite the actual value of various FB verification metrics remains unknown, it seems that boost of behavioral factors is only a preparatory stage on Facebook Ads.

II. Hardware & Software

Verification systems can track multiple software & hardware characteristics, so affiliate marketers should be very careful about their equipment. Let's use one example from real life to explain this part.

It is known that the most common surname in the world is Lee, and the most popular name is Mohammed, while the number of people called Mohammed Lee is not that big. The same is true with software and hardware specifications. Affiliate marketers should not chase a combination consisting of the most popular browsers, operating systems or computer builds. Artificial intelligence knows that cases when the most famous hardware and software parameters combined simultaneously are not as common. In order to attract less attention from verification algorithms, affiliate marketers often mask themselves as Apple users, because there are considerably less models of Apple computers than the number of Windows-based variations, so it will be easier to blend in with other users.

III. Network

One of critical tools that provides network security and stable process of media buying are proxies, which can be divided into three categories:

Datacenter Proxy

The cheapest and most affordable type of proxy, which has a serious drawback – everyone can see that the traffic comes from the particular data center. This significantly increases the risk of getting blocked on some sites even before the first visit. Datacenter Proxies are not suitable for affiliate marketing as they are immediately detected.

Mobile proxies

Mobile proxies provide users with cellular IP addresses. They are better suited for running traffic, because there is a chance to hide at the subnetwork level. When people connect to the same cell tower, they may have partially or completely identical IP addresses, but this does not trigger verification mechanisms – because situations with identical IP addresses are common in telecom technologies. The problem with mobile proxies is that when using them, users need to use the smartphones, since using the proxies of a popular mobile operator from a computer will seem fishy – just like in the Mohammed Lee case.

Residential proxies

Residential proxies are the rarest, most expensive type, but also the safest for affiliate marketing. The principle of network connection of those proxies are similar to Tor Browser – users access the network through a real remote device, with an IP address assigned by a local Internet provider. Nevertheless, such proxies have disadvantages too: from time to time, they can suddenly stop functioning. The reason may be in ordinary shutdowns of the "resident's" computers. There are also so-called static resident proxies that allow users to save user specific residential IP addresses, but they are even more rare and expensive.

IV. Ad Behavior

User behavior in advertising accounts is also monitored by Facebook. In order to not get banned, affiliate marketers should not make any sudden changes. Here is a simple example. A media buyer finds a functional business model with a 500% ROI so he is very eager to upscale. He is ready to invest a six-figure budget into an ad campaign, however the system might flag such a big investment as an anomaly. In base case scenario it will label such behavior as fraudulent; most likely the newly registered ad account will be instantly banned.

There are several ways for media buyers to keep their ad accounts less suspicious. Media buyers usually start off with their personal Facebook accounts, but that usually leads to restrictions. The next step often becomes purchasing accounts online (brutes and logs).

Affiliate marketers often try to warm up their ad accounts to make it more trust-worthy. They are running traffic on their Fan Pages (innocent posts or pictures). On average they spend around $10-$100 on this process. Successful warming up of Fan Pages can be measured by achieving a billing threshold of $75 inside Facebook Ads Manager account. Warming up the account does not guarantee protection from getting banned, however experienced media buyers are confident this will significantly lower the probability. Subsequently, warmed up Facebook ad accounts guarantee higher spend limits from the start.

V. Payments

One of the key factors to succeed on advertising platforms is the quality of the payment solutions. The first thing media buyer should factor in when choosing a payment solution (VCC) is the quality of the BIN. You might ask what is a BIN? BIN – Bank Identification Number, it's the first 6 digits on the card. With this code you can find all the necessary information: type of card (i.e. debit, credit, prepaid, etc), bank, country.

This information is crucial to better understand the type of accounts (in terms of geo and quality) affiliate marketer should run your traffic with. It's a well known fact that cards from tier 1 countries usually perform better because of a higher level of trust from advertising platforms.

Platforms use different statistical data to evaluate a BIN. For example, what percentage of unpaid first bills is associated with the given BIN? Or how much aggressive advertising content is related to the particular BIN? The cleaner the BIN, the higher the probability of avoiding risk payments (restrictions due to untrustworthy payment solutions).

To avoid restrictions, media buyers have to be careful in choosing their card provider, because overused BINs will most likely get restricted on all major media platforms. Professional payment solution platforms rotate their BINs and also are constantly updating them.

Final Thoughts

It seems, all gray/black hat activity on the major advertising platforms can be easily stopped by a "press of a button", because they have all the necessary AI, machine learning and other Big Data capabilities. "Then why isn't this happening?", – any reasonable person will ask.

It's all about the money, as always. Media buyers bring in huge profits to ad services due to willingness to overpay for traffic. Affiliate marketers use multiple accounts and run millions of dollars of traffic per day which significantly increases the price via auction. It is worth stating that as long as media buyers do not cross the "red line" by promoting overly "black hat" ads, advertising platforms will continue to profit on "gray hat" media buyers. Nothing personal, just business.

We have been providing a payment solution to affiliate marketing companies worldwide, and here is what we have to say: today it has become quite simple to buy VCCs for media buying, but the question remains about their quality and overuse on a particular platform. Speaking from experience we have found that the only way for payment solutions to overcome the constantly changing algoringfm of media platforms is to have a large quantity of quality BINs from different banks and to constantly monitor their performance. That's the path we have chosen and we feel it will continue to benefit us as a platform and media buyers as clients.

PST.NET
Analytics Department

 

[PSTnett]

View attachment 213560
Don't be late for your free virtual card!

"Test at our expense" promotional campaign by PST.NET is still on!

First card at no cost and first deposit without commission (for any amount up to $500) are available for all new users.

The number of cards is limited, so do not miss the opportunity to be one of 1000 users to get it!

The campaign is still running! Do not miss out!

 

[PSTnett]

Got your own media buying team?
Virtual payment card service PST.NET is offering 50 free cards for you and your team!


Working solo?
Need a card to pay online?
PST.NET has a promo for all new clients: get your first card for free with no fee on your first deposit.
What is PST.NET?


Exclusive BINs from US banks (20+)
Low fees
Instant deposits and withdrawals with crypto

The number of promo cards is limited!

Just type BEERMONEYFORUM code in the support chat on the PST.NET website.

 

[PSTnett]

PST.NET provides virtual payment cards (VCC) from US and European banks with instant deposit and withdrawal operations, now offers the best conditions on the market (literally).

Up to 100 free cards for media buying teams – for testing
$1 for additional cards – more than 25 BINs from 5 US & EU banks
2% card deposit fee – lowest on the market


Visa Platinum Credit cards, 3D-Secure and BIN quality monitoring system from PST.NET will provide unsurpassed level of protection against problems with financial verification on all advertising platforms.


Fill out the form to get 100 free cards: @Ann_PST_Private

 

[hghtwwwr]

myBrocard, PST.NET, Capitalist: The Most Detailed Review of Virtual Payment Cards, Comparison and Reviews

Which virtual cards are better? The eternal question that all media buyers ask themselves. In this article our team has tried to give a comprehensive answer to it. Few words about our team: we have extensive and successful experience with gambling vertical in Google Ads and now we are actively running traffic in Facebook Ads. That's why we decided to refresh our knowledge of the best payment solutions for media buying.
We collected data on the most popular virtual payment card services (we are using one of them already), found all hidden fees and actually checked whether they work so well with advertising platforms.

In the course of our research, we have studied the key stages of working with payment services:

• Account creation
• Card issuance
• Linking cards to advertising accounts
• Running the traffic
• Calculating actual fees for virtual cards

Our article contains several comparison tables for maximum clarity plus there are final thoughts in the end. So let's begin!

1. Sign-up and log-in

As every journey starts from the first step, working with a payment service starts from registration. Let's compare what data is needed for access to the chosen payment services:

Topics asked	Brocard	PST.NET	Capitalist
E-mail	+	+	+
Password	+	+	+
Name	+	Not required	Not required
Nickname	Not required	Not required	+
Country	+	Not required	Not required
Company	+	Not required	Not required
Monthly spend	+	Not required	Not required
Number of cards needed	+	Not required	Not required
Target services	+	Not required	Not required
Type of account	Not required	Not required	+
Field of activity	Not required	Not required	+
Website	Not required	Not required	+
Telegram	+	+	Optional
Skype	Not required	Optional	Optional
Phone number	Not required	Not required	Optional
Google authentication	+	+	–
Telegram authentication	–	+	–
Facebook authentication	+	–	–
Time to get a card	1-3 days	Instantly	2-3 hours

Brocard (mybrocard.com) sign up and reviews
Sign-up process at Mybrocard is complicated by the necessity for an interview to get access to the service. After filling out the questionnaire, potential clients will have to wait. It is promised to consider the application within 24 hours (on weekdays). There is an invite system as well. You'll need to show your documents to the camera for verification.
De facto it took us about three working days to set up the call and pass KYC at Brocard. Perhaps there was some kind of technical issue, but we had to remind Brocard support about our verification request, they just forgot about us. During the interview, we were asked about the size of our team, traffic sources, plans for spends and cards, preferences for top-up methods and partner networks. In addition we were asked to provide screenshots of statistics from our ad accounts as well. A little bit more waiting and now we have access to virtual cards from Brocard.

There are no Trustpilot reviews. There are reviews from some John, Alex, Mike и Rob on the website, they assure us that Brocard is the best service worth the long registration process.

Log in is available through either login and password or with Facebook and Google accounts.

PST.NET (pst.net) sign up and reviews
Sign up process on PST (short for pay, store, transfer) turned out to be much easier. There was no need for KYC for the first card and spendings less than $500. We were counting on a bigger spend, so we verified our account. Verification at PST (which is just sending the document photo) took us an hour, plus we were given the opportunity to test the plan for teams ($1 per card and 2% top-up commission).
The overall service rating on Trustpilot is 4.3 (Excellent).
Customers can sign-in to the service with login-password or using Telegram and Google accounts.


Capitalist (capitalist.net) sign up and reviews
The Capitalist payment system greets us with extensive data fields for registration (6 entries for individuals or 7 entries for business representatives). It takes several hours to verify the documents (we spent around 2-3 hours).
The service rating on Trustpilot is 4.2 (Great).
Login to the service is available only by traditional login-password pair, no innovations here.

2. Cards and BIN

What is the most important part of a virtual card service? Sure, the quality of the cards. We are keen on what BIN, payment processing and card types these services offer.

Cards	Brocard	PST.NET	Capitalist
Country of BIN	USA	USA, EU	UK
Payment processing	Mastercard	Visa, Mastercard	Mastercard
Number of BIN	3 (4?)	10 (25?)	1
3DS Support	Yes, with conditions	Yes	Yes
Apple Pay / Google Pay Support	No	Private	No
Currencies	USD	USD, EUR (GBP)	EUR

Cards from Brocard
There are 3 BIN (USA) and 3 card types (USD only) available:

• 531367 Mastercard Credit Prepaid USD – for all permitted payments
• 539406 Mastercard Credit USD – same as above
• 555608 Mastercard Credit USD – cards with their own balance which are only suitable for paying for advertising services such as Google and Facebook Ads.

There are cards with 3D Secure, but they are available only after 100 payments are made, "if the percentage of rejected transactions is less than 10-15%", according to support.
There is no Apple Pay and Google Pay support for offline payments.



Cards from PST
There are 25 BIN and 6 card types available for users, at least that's what is mentioned on the website. Cards are in USD and EUR, yet GBP cards are promised to be available soon as well. However, only 10 BIN (USA) and 4 card types were available in our account, for the rest apparently you'll need to contact the customer care service.
A little bit more about the cards from PST:

• Premium Facebook Card (Mastercard/Visa) – card for Facebook Ads only, with trusted BIN and low fees, yet transaction fee are applied
• Advertisement Card (Mastercard/Visa) – for digital ads only (Facebook Ads, Google Ads, TikTok Ads, Taboola, Bing Ads, Apple Search Ads, etc)
• Universal Card (Visa) – universal card for any kind of payment
• 3DS Universal (Visa) – card for any payment operations with 3D secure support (code confirmation)
• Platinum Advertisement Card (Visa Platinum Credit) – card for digital ads only, with most trusted BIN and special conditions (according to customer support). Available through support service only, with ad spend more than 10 grand per month
• PST Black (???) – "virtual cards with Apple Pay support and ATM withdrawal, it's private option for now, available via invites only" – that's what we were told by the support after asking what type of card is this. Sounds interesting, as we have not met virtual cards with such options yet.

What are you?


Cards from Capitalist
Only one type of card (EUR) is available, yet you can issue 100 at a time, but this is not so simple. To issue a card, you will need to get the "Verified user" status and to get that status you will need to go through internal account verification (specify personal data, registration address and attach photos of documents). Support service comments: "further, when filling out an application for the issuance of a card, you can enter any cardholder data, the main thing is that the address must belong to one of the EU countries. This information will not be checked additionally in any way. When issuing each new card, it is necessary to enter completely new data in the application (name, address, mail, phone number)." It's unclear why we need to do this, but okay.
Capitalist virtual cards do not support 3D-Secure and Apple Pay / Google Pay.



3. Fees
Card issuance is just the tip of the iceberg, the most important thing begins after.
Let's compare commissions and other conditions in different payment services.

Terms	Brocard	PST.NET	Capitalist
Card issuance cost	$2.00	from $1	€8.55
Crypto top-up fee	from 4%	from 2%	8.2%
Local payment fee	None	None	€0.50
Additional fees	1% + $0.30	None	None
Declined payment fee	$0.50	None	None
Time to withdraw funds	14-21 days	Instantly	Instantly
Free cards and other bonuses	50 free cards for teams	100 free cards for teams	None
Affiliate program	None	Yes	Yes
Promo codes, coupons	None	Yes	Yes

Brocard Fees
There are several top-up options available, all with different fees applied: with Capitalist (6%), USDT (4%), WIRE (3%) and Marketcall partner network (2%). Top-ups are held through a support ticket system.

Automated USDT top-up is available for trusted accounts only (yet there is no definition of "trusted"). Automatic balance top-up through Capitalist requires the minimum amount of 500 US dollars and a commission of 7% (although it was 6% with top-up through a ticket).

At the time of the article preparation the fees were the same for all basic BINs:

• US payments without fees
• Fees for payments outside US – 1% + $0.30
• Declined payment fee – $0.50
• Card issuance – $2.00

Besides, there is a secret BIN 428816 with following commissions being promised:

• US payments more than $50 and international payments over $70 – no fees
• US payments under $50 (fee $0.29), international payments under $70 (fee $0,70). Those fees apply even in case the payment is declined (Decline) due to the low card balance.

Funds can be withdrawn from the account only upon request to the support. You will have to hand over your USDT address and wait quite a bit: support service promises to transfer money within up to three weeks, although the FAQ section indicates 14 days (temporary problems?).

We were told about the "50 free cards for new teams" promotion. There are no promo codes.


PST Fees
There are no account top-up commissions, yet there are card top-up commissions (depending on the card type) – starting from 2%.
You can deposit your account by yourself via USDT-TRC20 (deposit with ERC 20, BTC and WIRE proceed through support). It is possible to accept a direct WIRE transfer from the affiliate network to the PST account.
Top-ups with USDT are credited instantly, with BTC you will have to wait for two confirmations, as always.

Other PST fees:

• US payments without fees
• Payments outside US depend on the card bank rates
• Declined payment fees – none
• Card issuance cost – starting from $1

Funds are instantly withdrawn with USDT, without the participation of support service. Minimum amount for withdrawal is $500.

We have found promo codes for "free fifth card" and "first card for free, first deposit without commission". At the time of article preparation there was a promotion for media buying teams – up to 100 cards for free, then $1 for additional cards, 2% deposit commission. This promotional offer is available to media buying teams with $30k+ ad spend per month.


Capitalist Fees
To access operations with crypto (top-up, withdrawal of funds), customers have to verify their accounts – and then customers will be able to deposit their account using BTC, ETH, USDT (TRC 20 and ERC 20) and USDC.
No commission is charged for depositing funds with SWIFT/SEPA, but bank transfers are available only to verified users with a business account (contract needs to be signed).

Other Capitalist fees:

• Transaction fee – €0.50
• Declined payment fee – none
• Card issuance cost – €2.65 (maintenance fee €2.4)
• Additional services (payment search, wire payment refund and SWIFT request) – all for €50
• Card top-up from Capitalist account – 4.7% (€3.5 minimum)
• Conversion fee – 3.5%

In fact, the price to issue the card turned out to be much higher – 8.55 euro instead of 2.65 euro.

Refund from virtual card to Capitalist account – €1.
Yet there are many options for funds withdrawal: in crypto and many more.
Let's start from crypto:
The first three options have "dynamic commission, which is updated every few minutes":

• USDT Tether (ERC20) 0.35% + 5 USDT
• USDT Tether (TRC20) 0.35% min 2 USDT
• USD Coin (ERC20) 0.35% + 5 USDC

The most well-known cryptocurrencies have more stable commissions (no notes on dynamic updates):

• Bitcoin 0.0001 BTC
• Ethereum 0.25% (minimum 0.01 ETH)

What are the withdrawal options besides crypto?
There are bank transfers in USD and EUR, PayTM and IMPS (Indian payment services), plus customers can withdraw the funds to a debit card from various countries (Mastercard Worldwide).
For some transfers between accounts (from USDT to USD) there are fees applied, for others (from USD to USDT) – 2.5%

At the moment this was written, only a promo code for a free card at Capitalist was found.

4. Traffic test
In the first place we checked the card's capabilities of linking to ad accounts (each card was linked to 10 FB accounts) and then we measured the results of running traffic from those accounts. Gambling offers from Grats.Network were promoted, tier 1 countries, our own app solution. Everything was set by a professional media buyer with many years of FB ads experience, so there are no questions for the technical part of test execution.
We have received an average spend data for each virtual card service, although that data cannot be called unambiguously representative – the quality of advertising accounts and other consumables could affect the results. Speaking of consumables:

• Accounts from AXFacebook shop – Ukrainian accounts 1-2 month old (Premium accs with 2 BM and new FP)
• Spaceproxy proxies – mobile (GEO: UA)
• Antidetect browser Indigo Browser (coupon code: GratsGroup. Thanks for that, Raf)
• GratsGroup apps

Traffic testing	Brocard	PST.NET	Capitalist
Account linking (FB)	10 out of 10	10 out of 10	10 out of 10
Ads account suspension (week later)	5	3	3
Permanent account ban	3	2	3
Average ad spend	$516	$704	$227
Real commission	7-8%	2%	11,20%

Brocard traffic test
Cards from Brocard were easily linked to all Facebook advertising accounts (10 out of 10), however, during the week of the test, 5 out of 10 accounts received an ad account suspension, after an appeal 3 were permanently banned. The average spend per account was $516.
It turned out to be very difficult to calculate commissions in the Brocard service – in addition to the fact that there are quite a lot of them (for account top-up, for USDT/USD conversion, for international payments), there are clearly non-obvious commissions (declined payments applied even on blocked and suspended cards) – as a result, the average commission on the service was 7-8%.

PST traffic test
Cards from PST were also easily linked to all FB accounts (10 out of 10). Week of testing, and 3 out of 10 accounts received an ad account suspension, after an appeal, 2 received permanent account ban. The average spend per account was $704.
The conversion of USDT/ USD was fixed at 1-to-1 rate – as a result, the real fees turned out to be 2% during the test, since we got the plan for media buying teams ($1 for a card and a very low deposit fee – 2%, plus they give teams up to free 100 cards). This seems to be the lowest commission for virtual cards on the media buying market.

Capitalist traffic test
The cards from Capitalist, like the first two services, were linked to all FB advertising accounts (10 out of 10). During the week of the test, 3 out of 10 accounts received a ban on advertising activities, after an appeal attempt, all three received a permanent account ban. The average spend per account was $227.
The real commission on the Capitalist service turned out to be the highest. Payments for transactions actually turned into an additional 3% commission, and together with the commission for top-up (4.7%) and the commission for conversion (3.5%), the service fee turned out to be 11.2%. Is it the price for a well-known brand?


5. Conclusions

Overall conclusion

• All the cards we tested were successfully linked to all Facebook Ads accounts (10/10). It's up to you to decide whether our ads spend amount was meaningful.
• You need to be careful with any additional fees, as they might cost up to 70% of overall services fees.
• All operations with financial services (Wise, Revoult, etc) are prohibited on all modern virtual cards services.
• There are few cards with Apple Pay / Google Pay support
• 3DS is quite a rarity among virtual cards

Conclusions on Brocard

1.Cards from Brocard can be "suspended" and blocked so that all debit operations are declined. The problem is that Facebook regularly charges a commission for each declined ad payment – $0,50. It would seem to be a small amount, but for each unpaid bill, FB tries to make up to 20 attempts to claim funds from the card. This is stated in the official FAQ, we give the guys a plus for this, but it does not solve the problem itself – in fact, this is another hidden service commission, which can increase operating costs by another 10-20%, and that is a serious problem.

2.At the moment the article was written one of BIN showed some instabilities. We hope it does not happen much often.

3. Funny thing, there is no way to disable 2FA after it was activated. But that's more like a merit from the security point of view (if you will keep your Google Authenticator safe)


Conclusions on PST
1. Most BINs do not have Apple Pay / Google Pay support. That's average.
2. There is no option for payment category limits (by mcc code). Operations with financial service are prohibited as well (Wide, Revoult etc).
3. On the other hand, there is a great variety of BIN available, as well as prompt sign-up process and attractive terms for media buying teams.


Conclusions on Capitalist
1. Strict account verification requirements. Customers can not top-up the account or withdraw funds from it without full KYC.
2. No 3D-secure support. That is not that important for media buying and digital ads, yet if the cards are meant to be used on other services, that might be a problem.
3. The highest fee for card deposit (internal transfer fee + conversion fee + transactions fee) – at least 11,2%


Final comparison

Index	Brocard	PST.NET	Capitalist
Card cost	$2.00	From $1	€8.55
Crypto top-up fee	From 4%	From 2%	8.2%
Local payment fee	None	None	€0.50
Additional fees	1% + $0.30	None	None
Declined payment fee	$0.50	None	None
Time to withdraw funds	14-21 days	Instantly	Instantly
Free cards and other bonuses	50 free cards for teams	100 free cards for teams	None
Partner program	None	Yes	Yes
Promo codes	None	Yes	Yes
Country of BIN	USA	USA, UK	UK
Number of BIN	3 (4?)	10 (25?)	1
3DS Support	With conditions	Yes	Yes
Apple Pay / Google Pay Support	No	Private	No
TrustPilot Score	No	4,3	4,2
Ad account linking (FB)	10 out of 10	10 out of 10	10 out of 10
Account suspension (after a week)	5	3	3
Permanent ban	3	2	3
Average ad spend	$516	$704	$227
Real fees	7-8%	2%	11,20%

We are waiting for your requests

Today there are many virtual card services. After a brief market research we learned about Brocard, PST, Capitalist, Soldo, Karta, Ezzocard, Ecards, 4x4, EPN, Multicards, Spendge, Adscard, LeadingCards, Yeezypay, Kartex, Funnel Dash, Juni, Flexcard, Lamanche Payments and GCTransfer – but how many others have remained out of our sight?
For the first comparison we chose Brocard, PST and Capitalist – because they are "on the radar" in the media buying community. Yes, we would also like to make a table comparison with all the services at once, but such comparisons require a lot of time, and traffic testing is not cheap. If the format suits you, let us know in the comments, and we will test other virtual card services (write in the comments the names of services that you are particularly interested in).

 

[PSTnett]

The best conditions on virtual cards market from PST.NET!

Premium cards (Visa Platinum Credit), 3D-Secure support and BIN quality monitoring system will help you easily make foreign purchases and pay for online advertising expenses.

We worked hard to provide you with the best conditions on the market – up to 100 free cards for the test, from $1 per card and from 2% top-up commission.

Virtual Payment Card Service PST.NET is a best option for teamwork – Master accounts can manage the team structure and the limits for each participant, as well as set up expense categories and download reports.

The best offer on the virtual card market is waiting for you!

 

[hiddenissue]

Joined the service a little ago, has not encounter a single problem with Google Ads payment ever since. Quick sign-up, friendly support service, got all my questions answered

 

[IAmMira]

Have been using PST for a while, lately discovered their new cards which can be used not only for ads and work, but for anything else as well. I linked one of my cards to Google Pay and its working perfectly for online shopping.

 

[PSTnett]

Working as a team? Meet tools for teamwork from PST.NET virtual card payment service!

Teamwork capabilities:
Employee management: invitation and suspension, role change
Setting spend limits
Instant transfer of cards and funds between team accounts
Top-up request system
Transaction history for all participants, reports in CSV format
Soon: Spend forecast system
Soon: Setting allowed merchant categories

To get the Master account status contact our customer care service

 

[Gen Evie]

Well this is an interesting article trying to let us know about this virtual card. But i do not think it can be globally used or can it? Can another country outside the US and Europe order for it and it works the same way it does in the US...?

 

[PSTNET]

Well this is an interesting article trying to let us know about this virtual card. But i do not think it can be globally used or can it? Can another country outside the US and Europe order for it and it works the same way it does in the US...?

Our cards do work outside US and EU, yet there is a list of countries from where we don't accept documents for verification which is the same list for where our cards do not work
You can ask for a full list from our Support in Telegram/Skype or by e-mail, this is the list of countries against which US has implied economic sanctions
In case you have any more questions - let us know. Have a nice day!

 

[PSTNET]

Will the card work after being linked to the account? Will everything not fly into payment risk? What can you find out before buying a card? PST Pulse - an advanced bin checker from PST.NET will help you answer these and other questions!

With it, you can check any card: find out the country of issue, bank, and payment system. And for PST cards, even more information is available. Pulse will show the average spend by BIN, decline rate, and billing thresholds for each card.

 

[PSTNET]

Meet Cardholder, an advanced Google Chrome extension for making payments with virtual payment cards from PSTNET. One click on the extension button opens the list of cards from your PSTNET account so you can choose one and swiftly copy card details for any purchase.

Why Cardholder?

– Receive 3D-Secure confirmation codes right into your browser
– Check the current balance of your virtual payment cards from PSTNET
– Insert card details in payment detail fields in just one click (Soon)

️ Join PSTNET users from all over the world and discover a new generation of payment

 

[PSTNET]

The Big Short (Withdrawn Limit)

And so we increase the comfort level of our users again!
The minimum withdrawal amount from a ️PSTNET account is now $300 (instead of $500), which is another step towards the universal payment solution we are striving for.
We work further

 

[Gamer01]

Good service I have used coinizy in the past that used to provide vcc from just $0.5 and the service had been a popular one until they tried something different and the idea of the company collapsed and I still remember those $0.5 btc only cards were great help indeed .

 

[Gamer01]

You shouldn't spam here you can work hard and earn a consistent passive income here if you work accordingly to what skills you have you need to make sure that you have an skills which are you utilising properly .