When paying for Google Ads, selecting the right tool ensures financial flexibility, favorable conditions, and a high level of security. In this article, we’ll review the virtual cards best suited for Google Ads payments.
Contents
Step 1: Goals and Budget
Start by identifying your goals, as they determine the type of payment tool that will work best for you. Your goals also shape your budget.
For media buying, virtual cards are often the preferred option, as many are designed to meet Google Ads payment requirements. When choosing a virtual card, identify the factors that are most important to you. If you’re unsure, reassess your goals and budget. The clearer they are, the easier it will be to pick the right payment tool.
Now, let’s look at the main criteria for selecting a virtual card.
For Google Ads payments, cards should meet the platform’s key requirements. They need to operate on Visa/Mastercard networks and support transactions in USD. If you prefer debit cards, ensure they have high top-up and spending limits. Ad platforms often suspend accounts due to insufficient funds. To avoid this, using virtual credit cards is recommended. Additionally, consider the cost of the cards and the transparency of fees to avoid going over budget.
In the following sections, we’ll cover the top five virtual cards that meet these essential criteria for Google Ads. We’ll also explore bonuses available for media buyers and marketers.
Step 2: Reviewing Financial Services
1. PSTNET
PSTNET issues virtual cards for popular advertising platforms, including specific cards for Google Ads. These cards are compatible with Visa and Mastercard.
PSTNET cards are issued by banks in Europe and the US and feature over 25 trusted BINs, minimizing the risk of payment declines. Both debit and credit cards are available, and they can be topped up with cryptocurrency. They have no transaction, withdrawal, or blocked-card fees, and users can issue an unlimited number of cards.
The cost of a virtual credit card for Google Ads starts at $2, with the same price for debit cards. Users can also issue free cards under the PST Private program, with a maximum of 100 free cards per month.
An additional tool, the Pulse BIN checker, provides insights into card type, issuing region, billing thresholds, average monthly spending, and payment acceptance rates.
Additional Features:
- Top-Up Methods: 18 supported cryptocurrencies (BTC, USDT TRC20, ERC20, etc.), SWIFT/SEPA bank transfers, other Visa/Mastercard cards
- Team Collaboration Tools: Assign tasks, set roles, and establish card limits for team members—ideal for media buying teams managing multiple projects
- 3D Secure Technology for transaction protection
- Telegram Bot: Receive 3D Secure codes and service updates via Telegram
- One-Step Registration: Sign up with Apple ID, Google, Telegram, WhatsApp, or email
- 24/7 Customer Support: Immediate support through Telegram, WhatsApp, or live chat
2. Volet
Volet is an international service offering both virtual and physical cards, managed through the Volet app. Virtual cards are Visa-compatible and integrate well with Google ad accounts.
However, Volet’s virtual cards have a usage limit. A virtual debit card with European BINs costs $9.95 and has a daily limit of $5,000. There are no transaction fees, but excessive declines may lead to card suspension.
Additional Features:
- Top-Up Methods: Cryptocurrencies BTC and USDT (TRC20), fiat payment systems, P2P transactions (Bybit, Binance)
- Team Tools: Payment management via the app
- Analytics: Transaction reports available in the user’s account and the app
- 3D Secure Technology for transaction protection
- Quick Registration: Standard email registration followed by data verification
- 24/7 Customer Support: Round-the-clock support via site chat or email
3. Abcard
Abcard.io is a financial service for virtual cards used for ad payments, including some cards compatible with Instagram Ads. The service offers debit cards on Visa/Mastercard/UnionPay networks with five trusted BINs from banks in the UK, the US, and Europe.
Debit card costs start at $2, and users can issue an unlimited number of cards. However, each card requires a minimum deposit of $500.
The service has zero transaction fees but charges a 4.5% balance top-up fee and a 7% decline fee.
Additional Features:
- Crypto Top-Ups: USDT (TRC20, ERC20)
- Team Collaboration Tools: Task distribution and role assignment
- 3D Secure Technology to ensure payment security
- Expense Analytics: Detailed transaction reports in the user’s account
- Registration: Standard registration and account verification via Telegram bot
- 24/7 Support: Available through site chat or email
4. Bankera
Bankera offers virtual and physical debit cards that can be linked to personal/business IBAN accounts. These cards support online payments, and all expenses are tracked via the app. Key features include multi-currency accounts, easy money transfers by email or phone, and integration with digital wallets. Bankera simplifies financial management for individuals and businesses alike and can be used for Google Ads payments.
Card costs vary by features, with no fees for internal transfers but a minimal fee for outgoing payments.
Additional Features:
- Crypto Top-Ups: Over 15 supported coins, transfers through the SpectroCoin platform, bank transfers, and other Visa/Mastercard cards
- Team Collaboration Tools: Not available
- Expense Tracking: Expenses tracked via the Bankera mobile app
- Platform Registration: Standard form on the website, requiring identity verification with documents
- 24/7 Customer Support: Available via online chat and email
5. FuncWallet
FuncWallet is a digital platform for various financial operations like bulk payments, crypto-to-fiat exchange, and fund transfers. It also offers virtual cards for ad payments. All cards have five BINs from international banks, ensuring compatibility with Google Ads.
FuncWallet cards are free, with no transaction fees, but there is a 1% starting fee for declines.
Additional Features:
- Top-Up Options: USDT (TRC20, ERC20), other Visa/Mastercard cards, and internal transfers
- Team Collaboration Tools: Bulk payments and additional account creation
- Expense Analytics: Tools available on the dashboard
- Security Technology: Basic encryption technology
- Notifications and 3DS Codes: Accessible through the user’s account
- Registration: Fill out a form on the website with standard data verification
- Customer Support: Available through a contact form on the website
Step 3: Testing and Analyzing Results
After reviewing these services, don’t limit yourself to one. Use multiple options on a trial basis with small transactions to test speed, transaction stability, and find cards with the lowest decline rates. Testing will also let you verify limits and fees in practice.
After testing, analyze how each card performs with Google Ads: transaction stability, decline rates, fees, and ease of top-up. Assess how convenient each card is for you to work with.
In the end, you’ll be able to optimize your choice of virtual cards based on your needs.
When choosing a card for Google Ads payments, it’s essential to carefully review the service conditions and test different options. Often, the best approach is to use several cards with varying limits and fees. This lets you spread your budget across ad accounts, reduce block risk, and quickly adapt to changes.
All providers in our ranking ensure minimal declines on Google Ads. They offer a good balance of cost and quality, plus a range of advantages, including cryptocurrency support, innovative security technologies, and trusted BINs from reliable banks.
Ultimately, make your choice based on global objectives. A clear understanding of business needs and priorities not only helps achieve them but also simplifies decision-making for business process optimization.
