Best Virtual Cards for Facebook/Instagram Media Buying and Traffic Arbitrage

Published On: 16/11/2025

In the world of digital advertising and media buying, virtual cards have become an essential tool for daily work. When you’re launching dozens of campaigns across Facebook, Instagram, TikTok, Google, and other platforms, having stable and flexible payment instruments matters just as much as having strong creatives or a good offer. Declined payments, blocked transactions, bank limits, or sudden technical issues can disrupt operations and kill a profitable ad account faster than strict moderation rules.

This is why media buyers increasingly rely on specialized virtual card services—payment tools created with the needs of advertisers in mind. These solutions help structure budgets, control spending, avoid unnecessary risks, and work comfortably with multiple advertising platforms at once.

Today, a virtual card is not just a convenient way to pay for ads. It is a key to scaling. The ability to instantly issue a new card, assign limits, pause spending, or replace a card inside an ad account saves time and helps avoid unwanted pauses in campaign delivery. In this article, we’ll look at the best virtual card providers for Facebook and Instagram arbitrage, along with their features, advantages, and practical benefits.

FlexCard — one of the most convenient services for media buyers

FlexCard is one of the most widely used solutions among media buying teams thanks to its low fees, stability, and extremely user-friendly interface. This service is ideal for advertisers who launch many campaigns, test multiple strategies, and need predictable payment tools.

Key advantages of FlexCard

FlexCard’s strongest feature is its unlimited virtual card issuance, allowing media buyers to create as many cards as needed for scaling. The cost is very low—starting from just two dollars—making the service accessible even for beginners.

There are no maintenance fees, and top-ups are fast and affordable. You can fund your balance via USDT, bank transfers, or partner balance, which makes the platform flexible for international teams.

FlexCard also supports multi-user teams. You can assign roles, manage separate budgets, and control who has access to specific cards—an essential feature for organized campaign management.

Another benefit is the quick return of pre-authorization holds, which matters especially for Facebook Ads where temporary authorizations are common.

FlexCard fees

Card issuance starts from $2
Top-up commission starts from 3.5%
Spend conversion is around 1%

Overall, it is one of the most cost-efficient services on the market, especially considering the absence of hidden fees.

User feedback

Media buyers appreciate FlexCard for its reliability, fast support, and simple dashboard. Many highlight that FlexCard works smoothly across popular ad platforms, and card issuance takes only a few minutes.

Karta.io — perfect for automation and security

Karta.io is a modern virtual card service built for teams that value automation and seamless budget monitoring. Its flexible settings, clean interface, and powerful API tools make it a favorite among advanced media buying groups.

What makes Karta.io stand out?

The biggest strength of Karta.io is its API integration, allowing you to automate card creation, pull reports, set limits, and monitor expenses without manual work. This is highly valuable for agencies and large teams that operate at scale.

You can create custom limits for each card—daily, lifetime, category-based, or time-based. This helps prevent overspending and ensures precise budget control. Single-use cards provide additional security, while the ability to instantly freeze or reactivate any card gives full operational flexibility.

Real-time spend data ensures maximum transparency across all running campaigns.

Fees

Card issuance is free
No monthly maintenance
Currency conversion from 0.5%

Karta.io is one of the most cost-effective services for teams that require many cards and automated workflows.

User reviews

Users praise Karta.io for its stable performance, transparency, and advanced API functionality. Many consider it one of the best services for structured team management.

4x4 — a convenient service appreciated for fast card issuance and high approval rates

4x4 is a platform designed for media buyers working with Facebook Ads, Google Ads, and TikTok Ads. Its main goal is to provide stable payments and effortless budget management.

Why media buyers choose 4x4

One of the biggest advantages of 4x4 is card issuance within 15 minutes. This speed is extremely important when an ad account suddenly requests a new payment method or when you need to launch a fresh campaign immediately.

Cards are issued on BINs from reputable Ukrainian and European banks, which significantly increases approval rates inside advertising platforms.

Funding methods include PAXUM, SEPA, and USDT—with zero commission from the service. Before committing to larger budgets, users can test the cards for free to ensure they work with their advertising platforms.

A clean dashboard displays all cards, balances, and complete spending history—useful for teams managing multiple GEOs or strategies.

Pricing

Card issuance: $5
Minimum monthly turnover: $500
If a card is inactive for a month, it automatically closes
Turnover commission: 5%

Who is 4x4 best for?

Both beginners and experienced media buyers benefit from 4x4. New users appreciate the simplicity, while advanced teams value fast issuance and strong BIN quality.

Brocard — ideal for teams that need flexibility and multi-currency options

Brocard is a versatile platform built for advertising teams, media buyers, and digital marketers who want fast, reliable, and scalable virtual card management. It is widely used by agencies that operate in multiple GEOs and handle large budgets.

Brocard’s key features

Brocard offers very fast card issuance—usually within five minutes. Users have access to over twenty BINs from US, European, and Asian banks, which increases transaction success rates and minimizes payment disruptions.

Brocard supports multiple card types, including Visa, MasterCard, and even American Express. This flexibility is helpful for advertisers buying traffic across different ad platforms or e-commerce solutions.

The service also supports dollar and euro cards, allowing effective budget management for international campaigns with minimal conversion loss.

Top-ups are available through Wire transfers, USDT, Capitalist, and other methods. Brocard is built for team workflows—roles, limits, and budgets can be assigned and managed in one place.

For advanced teams, API tools are available for automated mass card issuance, budgeting, and tracking.

Multicards.io — perfect for deep analytics and team budget control

Multicards.io is an excellent choice for teams that require not just virtual cards, but full analytical control over expenditures and campaign dynamics. The platform is designed for both independent media buyers and agencies running dozens of campaigns simultaneously.

What Multicards.io offers

The service allows unlimited card creation as soon as the account is approved and funded. Funding methods include cryptocurrency and bank transfers, and funds become available almost instantly.

Users can set custom limits for each card, including daily and overall spending limits, or use the general account balance as a global cap.

Multicards.io is strongly oriented toward team collaboration: administrators can add team members, manage access rights, assign card responsibilities, and build detailed reports across individuals or whole teams.

One of the standout features is its advanced analytics. Multicards.io provides a full breakdown of expenses, downloadable reports, and informative dashboards that help optimize campaign strategies.

The platform offers more than seven BIN options, providing stable performance across ad networks.

Fees and support

The commission model decreases as your spending increases, which benefits large teams. The service operates 24/7, offers two-factor authentication, and provides strong data protection and responsive support.

Conclusion: How to choose the right virtual card service for Facebook and Instagram media buying

Each virtual card service has its own strengths, and the best choice depends on your team size, spending volume, and workflow style.

FlexCard — ideal for those who want a simple, affordable, and reliable tool.
Karta.io — the best option for teams needing automation and API.
4x4 — perfect for media buyers who value fast issuance and stable payment approval.
Brocard — a strong choice for large teams needing multi-currency and wide BIN selection.
Multicards.io — designed for those who need precise analytics and deep budget insights.

Virtual cards have become the backbone of modern media buying. By choosing a trusted service, you guarantee stable payments, uninterrupted campaign delivery, and the freedom to scale profitable strategies without financial constraints.