Cards for media buying. No secret issuers, no invented trust.

Meta and Google list the same official reasons: wrong details, expired card, not enough money, transaction limit, a bank block on internet payments. Media buying cards add their own: the BIN country does not match the ad account country, a prepaid BIN, a burnt-out BIN, or the account itself is restricted. If Meta asks you to “try a different payment method” after a decline, usually the account is limited, not the card. The order to check: card currency = account currency, $1.01 on the card for the hold, attach from a proxy in the card country, then another BIN at the same provider.

Meta writes it itself: “we limit the number of accounts a payment method can be used on”. Practice is unanimous — one card per account, because a ban on one drags the rest along through the shared payment method. The reverse is fine: two cards on one account, a main one and a backup. That is what bulk issuing is for.

A temporary authorization Meta uses to check a new card, not a charge. Per the help it is released “typically within 3-5 business days”. Google tests $1 on virtual cards and does not take it, TikTok charges at least $10 on automatic payment and returns it within 15 days. At NeCard 50% of the amount Facebook holds goes back to the balance at once, so holds do not eat into working capital.

Here the first card needs the minimum check, and a large turnover goes through the standard Sumsub procedure. The market ranges from email only (Flexcard, Combo Cards, AdsCard) to a full pack with an interview (Brocard). The separate trouble is KYC after the fact: e.PN brought it in during spring 2026 with no warning, and money was held until you passed it. Do not park more at a provider than you are ready to have frozen for a month or two.

You have little leverage: usually there is no contract with a legal entity, and the issuer sits offshore. What worked in the 2025–2026 cases: a public review on partnerkin or Trustpilot, where providers do answer; escalation through Telegram support and through the affiliate network whose referral activated the account. A 14-day withdrawal term in the terms of service is the market norm at several services, not a glitch. At NeCard a freeze by the issuer returns the money to the shared balance with no fee.

There is no single best BIN in open sources. Providers and reviews agree on tier-1 (US, UK, EU); BlackHatWorld threads say US BINs attach more often, while EU BINs hold up better over time. What decides it is the whole chain matching: BIN country → IP → billing address → account language → time zone. Hong Kong is offered by AdsCard, Brocard and Multicards as the Asian alternative, with no separate stats behind it.

TRC-20 is taken by all 14 live providers in the table, ERC-20 by roughly half. The network fee on TRC-20 is usually under $1 and confirms in about 3 seconds; ERC-20 runs $3–15 and 12–30 seconds depending on how loaded Ethereum is. NeCard takes both networks at 1%, credited within a minute, deposit from $250. The provider top-up fee is a separate line, and at 4 of the 25 services “0% on deposits” turns into 4–5% at the next step.

By the product type baked into the BIN. Google: “Google does not accept prepaid cards for postpay” — on automatic charges prepaid is rejected. Microsoft takes prepaid only on prepay accounts. Meta never mentions the word “prepaid” in its rules, but buyers report prepaid BINs being cut as high risk. That is exactly why media buying providers issue cards on debit and commercial BINs.

TikTok asks for it outright: “Make sure your card supports 3D Secure Verification”. On cards from EU issuers 3DS pops up under PSD2 at attachment and on the first charge. Facebook does not require 3DS, and some providers sell cards without it specifically for FB. 3DS gets in the way when the code goes to the owner's phone while the card sits with a buyer in another time zone. NeCard sends 3DS codes to a Telegram bot.

Five layers: topping up the balance (0–6.7%), issuing ($0–5, at Digitas $35–50), a monthly fee ($0–16/mo), a transaction fee (0–5%), declines and FX ($0–0.75 per rejection, 1–3% conversion). The Affpaying test on real spend: Brocard 7–8%, PST 2% on the team plan, Capitalist 11.2%. Run your own volume through the calculator above instead of trusting “from 3%”.

A BIN is the first 6–8 digits of the number, and from them the network knows the issuer, country, currency and prepaid/debit before the charge. When hundreds of grey-vertical ad accounts run through one BIN, antifraud raises the risk on the whole range and every holder starts catching declines, the clean ones included. A vc.ru review (25.08.2026) advises against taking a BIN whose share of successful transactions over a month is below 60–70%. The NeCard BIN passport will show the decline rate over 30 days, precisely so nobody has to guess.

Closing a card does not stop the merchant: Facebook keeps billing the saved token, the attempts arrive and get declined. Brocard charges $0.50 per attempt (up to $15 on a blocked card), Combo Cards $0.50, Pay2.House $0.25; at 16 of the 25 providers declines are free, but four of them switch the fee on once the DR goes above 10–20%. At NeCard declines are 0 with no threshold. Buyers advise pulling the card out of billing first and closing it after.

Yes, through three mechanics: a burnt-out BIN, a mismatch between card country and account country (Risk Payment), and accounts linked through one card. Google formalises the same thing in its policy: “several new credit cards, payments declined or chargebacks” is a sign of suspicious activity. The card being virtual is not a ban factor by itself; the BIN and the usage pattern decide.

Specialist providers register individuals from Russia, Belarus and Kazakhstan; no legal entity is needed, because the card is the provider's own corporate card and the client is only a user. The “white” fintechs are shut: Payoneer does not issue cards to Russian addresses, Wise wants EU residency, Mercury bans Russia, Belarus and Ukraine. NeCard works with CIS legal entities: wire through partners, USDT directly.

We onboard teams and solo buyers from $300,000 a month. Below that we pick a vetted partner from the catalogue for free, by volume and vertical. Same application, through @AffPapa_Bot.

As direct bank programmes come online, every BIN gets an open passport: issuing bank, country, card network, the date it went in, which platforms it is tested on, decline rate over 30 days. Of the 26 competitor landing pages we went through, not one names the issuing bank behind a BIN. Until launch there is not a single BIN on the page — there will be no invented banks.