TOP 5 virtual cards to pay for advertising and online purchases in 2025

What is virtual card?

Virtual card is a special bank payment card designed for online payments. The main function of virtual cards is electronic payment. Pay for purchases in online stores, subscribe to online services, pay for deliveries – virtual cards are ideal for all of this. Virtual bank cards can be debit, credit or prepaid cards.

Who, where and why need virtual cards?

1. Ad traffic arbitrageur. These are professionals engaged in buying and selling advertising traffic for profit. Virtual cards can be useful for them as they can use them to pay advertising networks and affiliate programs. The card allows them to control their spending and manage their budget.

2. Online marketers and marketing agencies. Virtual cards can help them manage their customers' advertising campaigns. They can create individual cards for each customer and use them to pay for advertising platforms, analytics tools, and other necessary services. This allows them to easily track expenses and provide detailed reports.

3. Freelancers and remote workers. Virtual cards can be useful for freelancers and remote workers who receive payments for their services from abroad. They can use the card to receive payments from customers, withdraw money in local currency, and make online purchases. Cards can also provide convenience and security when working with different clients and projects.

4. Tourists. For those who frequently travel abroad, virtual cards can be a convenient way to pay in local currency. They can use the card to withdraw money from ATMs, pay for hotels and restaurants, and make online purchases. Virtual cards can also provide fraud protection and convenient management through mobile applications.

5. Online Entrepreneur. Virtual cards can be useful for online store owners and other online businesses. They can use the card to pay suppliers, conduct transactions with customers, and manage their business finances. Cards can also provide convenience when working with a variety of payment systems and currencies.

The best virtual card creation services

1. e.PN

e.PN is a convenient and reliable virtual bank card service. Allows you to issue VISA and Mastercard cards from many different foreign banks (more than 36 banks available). The card is suitable for all purposes: dropshipping, payment for goods, foreign online services (Amazon, Ebay, Booking, Spotify, Netflix), payment for advertising on Facebook Ads, Google Ads, Tiktok Ads, Instagram, Taboola , Shapchat et al. You can also connect your e.PN card to Apple Pay or Google Pay.

If you want to use a virtual card to pay for advertising costs, you can manage your own bank account or connect team members.

Cards are issued immediately after easy registration. You can create an unlimited number of virtual cards. You can top up your card balance using cryptocurrency via USDT TRC-20/Bitcoin.

This service has 24/7 support via Telegram and email.

2. MoMo

MoMo is a Vietnamese e-Wallet with many functions: bill payment, shopping, Facebook, TikTok, Google Ads payment, game card payment.

To create an account, you need to download the application to your device and indicate the user's mobile phone number. A customer can register up to 3 MoMo cards to use.

When you use Visa and MasterCard cards to deposit or make payments, there will be a fee of 2,200 VND plus 2% of the transaction value. The service does not support 3D Secure.

3. VietinBank

VietinBank is a modern bank in Vietnam. The company strives to create innovative financial solutions and continuously improve its products.

Currently, this bank can issue virtual cards through the application and use them to pay at online stores. The card is issued free of charge but the card maintenance fee is 55,000 VND/year.

Virtual cards are easy to manage through your personal account; you can add cards to Google Pay.

4. VNPay

VNPay (Vietnam Payment Solution Joint Stock Company) was established in 2005. The company applies modern technologies in the field of electronic payment. Using this wallet, you can pay for travel, Internet services and goods.

To start working with VNPay, you need to register and be identified with identification documents. Currently, you can issue virtual VISA cards.

5. MB Bank

MB Bank is a joint stock commercial bank in Vietnam. In addition to the classic plastic card, this bank can issue a virtual Hi Ads Mastercard – created specifically for professionals working in the advertising field.

You can open multiple cards at the same time in the free banking app. Foreign currency conversion fee is 1.5%. Annual maintenance fee is 220,000 VND.