Guide to choosing virtual cards for media buying: best services for every budget in 2025

If you work in marketing, sooner or later you run into traffic payment issues. Bank cards get blocked. Ad account cards fail at checkout. P2P rates aren’t great. Provider support responds with copy-paste answers. And instead of launching campaigns, you end up reattaching billing methods and arguing with banks.

To scale, a media buyer needs more than just cards. You need a system built for predictable payments. Virtual prepaid cards for media buying are tools that remove the weak links in your payment chain. It’s not about “paying for the ad account fast.” It’s about spend stability, budget control, and reducing decline risks.

From 2023 to 2025, the ad card market changed a lot. Most solutions that worked great two years ago now either can’t hold limits, don’t go through on Google or Meta, or process top-ups too slowly. Old setups don’t work anymore. But a new generation of services has popped up — built specifically for media buying: with real limits, clear pass rates, and transparent analytics on declines.

In this article, we’re reviewing three up-to-date services for 2025: Spend, eCards, and Leading Cards. Each one fits a different budget and use case. We’ll break down their limits, how they perform on Google Ads and TikTok, top-up fees, and support speed. No fluff or opinions — just data and practical takeaways.

1. Toggle

   Spend

Spend.net is a financial platform offering media buyers a ready-made toolkit for different scenarios: ad-specific cards and universal cards for online payments. The platform Spend.net provides cards with a clear separation of use cases. For ad payments, there are cards with a flat 2% cashback on all ad transactions — no conditions, no spend confirmations. That means predictable savings with consistent spending. For non-ad costs, there are separate universal cards with 1% cashback.

Cards are issued for free. There are no fees for issuance, transactions, declines, refunds, or withdrawals. The average top-up fee is 2%, but users can choose the method that fits best. Top-ups can be done with crypto. For amounts over $50, the top-up fee can be waived entirely.

Key features:

• Payment systems: Visa/Mastercard

• BINs: 20 BINs to minimize risk payments

• Team management: task delegation and role assignment

• Spend analytics: financial reports in CSV and XSL formats

• Security: 3D Secure

• Cryptos: USDT, BTC

• Registration: sign in via Google or email

• Support: 24/7 live chat support

Spend.net is a fit for media buyers who want to:

• Cut down on transaction fees

• Get consistent cashback with no strings attached

• Scale without limits on card issuance

• Reduce decline risks with unique BINs

1. eCards

Ecards is a platform built for teams working with large traffic volumes that need not just stability but flexible terms. If your ad spend exceeds $150,000/month, Ecards offers custom terms — cashback and personal limits. At $250,000+ monthly spend, you can get 1% cashback, which becomes a serious money-saver at scale.

The standard cashback is 0.5% on ad transactions. There are no extra conditions — which simplifies budgeting and lets you plan with cashback in mind. Cards are topped up with crypto, with very low fees. All other operations — withdrawals, refunds, transfers — are free. Exceptions include declined transactions and balance top-ups.

Key features:

• Payment systems: Visa/Mastercard

• BINs: 9 BINs based in the UK and Estonia

• Team management: internal team operations, team leads can assign roles and distribute tasks

• Spend analytics: downloadable reports available on request

• Security: 3D Secure

• Crypto: USDT TRC20

• Registration: fill out a standard form and go through fast verification

• Support: 24/7 Telegram support

Ecards is right for you if:

• Your team already spends $150K+ per month

• You want cashback without complicated conditions

• You need low fees and a team-oriented setup

1. Leading Cards

Leading Cards is built around a personalized approach. There’s no fixed cashback rate, no standard card issuance fee, no one-size-fits-all plan. To get the best terms, you’ll need to schedule a call with a manager and confirm your ad spend. But that’s what unlocks access to cashback and card issuance at $1 instead of the usual $6.

Leading Cards issues not only ad cards, but also cards for related services: subscriptions, SaaS, analytics tools, VPNs. That’s convenient if you’re running full-cycle projects and need to pay for more than just Meta or Google billing — including the entire supporting infrastructure.

Key features:

• Payment systems: Visa/Mastercard

• BINs: always more than 30 BINs, updated frequently

• Team management: role-based access for each user, team leads can transfer funds between accounts in the same team (not across teams)

• Spend analytics: downloadable reports available on request

• Security: 3D Secure

• Crypto: USDT TRC20

• Registration: create a Leading Cards wallet, then complete standard registration and verification

• Support: 24/7 Telegram support

Leading Cards is a good fit if you:

• Want fully customized terms based on your spend

• Work with a wide range of online services beyond just ads

• Are ready to negotiate terms to get premium benefits

Conclusion

In 2025, choosing a virtual card for media buying isn’t just about issuance fees or cashback rates. It’s a strategic decision that affects billing stability, team efficiency, and your campaign profitability.

Spend is a plug-and-play solution with no entry barriers: free cards, clear terms, automatic cashback, and simple onboarding. Best for those who need fast setup and controlled fees.

Ecards is for high-volume teams. It focuses on low fees, automation, and structured teamwork. If you spend over $150K/month, the right conditions here can boost your margins directly.

Leading Cards is for those ready to invest time in setting up custom terms. A manager call can unlock max cashback, discounted card issuance, and priority support. It’s for experienced buyers with more complex needs.

To pick the best service, consider more than just your budget — think about team structure, your automation needs, and funding methods. The same tool can either drive growth or cause losses if you overlook the details.

When you understand how these platforms work behind the scenes, you can predict their performance at scale, avoid mistakes, and grow smarter. In media buying, it’s not about paying less — it’s about paying right.