For a successful advertising campaign on Instagram, it is not only important to develop the right marketing strategy and effectively use tools like Instagram Story Viewer campaigns, but also to choose the optimal method for paying for ads. This will help not only control the budget but also increase return on investment, which plays a key role in achieving the campaign’s goals.
Declined payments, transaction errors, and delays in funding are common issues when paying for Instagram ads. These problems can slow down or reduce the effectiveness of ad campaigns.
To avoid this, follow a few simple rules: choose cards with suitable BINs, monitor your balance, and correctly set up your ad account. With the right virtual card, Instagram ads can run smoothly without delays or errors. Below is a list of the top 5 virtual cards for paying for Instagram ads.
- PSTNET
The financial service PSTNET offers various types of virtual Visa/Mastercard cards. These can be used for digital subscriptions, apps, online shopping, and while traveling. For media buying, the service issues debit and credit cards with the right BINs for popular platforms. Cards for Instagram ads meet all of Meta’s platform requirements.
PSTNET does not charge fees for transactions, withdrawals, declines, or operations on frozen cards. The top-up fee starts at 2%.
Additionally, the service offers its own BIN checker, “Pulse.” This free tool helps minimize declines by providing extended card information in seconds. Its up-to-date database contains more than 500,000 BINs from various cards. For PSTNET cards, users can check the average spend per card, billing thresholds, and most importantly, the percentage of approved transactions.
Key Features:
- Number of BINs and Their Geographies: 25+ trusted BINs from U.S. and European banks
- Card Funding: Cryptocurrencies, SWIFT/SEPA bank transfers, other Visa/Mastercard cards
- Crypto Support: 18 cryptocoins (BTC, USDT TRC 20, ERC 20, and others)
- Team Collaboration Tools: Task distribution, role assignment, card limit settings
- Expense Analytics: Reports on financial transactions
- Security Technologies: 3D Secure Technology, Two-Factor Authentication
- Notifications and 3DS Codes: Telegram bot, messages
- Registration: Can use Apple ID, Google, Telegram, WhatsApp accounts, or email
- Customer Support: 24/7 Support specialists respond instantly via Telegram, WhatsApp, or live chat
- Special Offers: 100 free cards and 3% cashback with the PST Private program, referral program
- Capitalist
Capitalist is a popular financial platform for online transactions. It offers virtual media-buying cards called Cards Pro, which support Visa/Mastercard. These cards are optimized for ad platforms. Access to issue Cards Pro is granted through the platform manager. Cards can be issued in unlimited quantities.
The service also provides a decent fee structure. The top-up fee starts at 2%, and the decline fee is no more than $0.30.
Key Features:
- Number of BINs and Their Geographies: 9 BINs from banks in the UK, U.S., and Europe (Estonia)
- Card Funding: Cryptocurrencies, international SWIFT/SEPA bank transfers, other Visa/Mastercard cards
- Crypto Support: Bitcoin (BTC), USDT Tether (ERC20 and TRC20), Ethereum (ETH), USDC (ERC20)
- Team Collaboration Tools: Task distribution, subaccount setup, card limit settings
- Expense Analytics: Reports on financial transactions
- Security Technologies: 3D Secure
- Notifications and 3DS Codes: Personal account, Telegram
- Registration: Standard form on the website, email confirmation, request for Cards Pro issuance via the personal account, activity questionnaire, and a short interview with the platform manager
- Customer Support: 24/7 support via Telegram
- Special Offers: Tailored solutions for large clients
- LinkPay
LinkPay is a service that issues virtual cards. For ad payments on popular platforms, the service offers the Multi Ads card, a Visa/Mastercard credit card that works with Instagram.
LinkPay has no fees for top-ups, withdrawals, or declined payments. Cards are paid for through a subscription to the service.
Key Features:
- Number of BINs and Their Geographies: 5 BINs from banks in CIS countries and Europe
- Card Funding: Cryptocurrencies, bank transfers, and transfers from other Visa/Mastercard cards
- Crypto Support: 7 cryptocoins
- Team Collaboration Tools: Task distribution, role assignment for team members, and card limit settings
- Expense Analytics: Available in real-time via the personal account
- Security Technologies: 3D Secure
- Notifications and 3DS Codes: Personal account, Telegram
- Registration: Standard form on the website without KYC procedure
- Customer Support: Available 24/7 via website chat and Telegram
- Special Offers: 100 free virtual cards with better rates and cashback when subscribing to the Plus plan
- Brocard
Brocard offers virtual Visa/Mastercard cards for advertising payments. These cards support work with popular advertising platforms.
There is a fee structure in place. For instance, the decline fee depends on the transaction amount and the overall percentage of declined payments. If declines exceed 25%, the service blocks the cards. Top-up fees don’t exceed 4.5%. There is also a minimum deposit requirement. To issue cards, a balance of at least $500 must be deposited into the user’s account.
Key Features:
- Number of BINs and Their Geographies: 20 BINs from banks in Europe, the U.S., and the UK
- Card Funding: Cryptocurrencies, Capitalist, Marketcall
- Crypto Support: USDT (TRC20, ERC20)
- Team Collaboration Tools: Task distribution and role assignment within the team
- Expense Analytics: Tools on the control panel
- Security technologies: Two-Factor Authentication
- Notifications and 3DS Codes: Live chat
- Registration: Standard website form, interview with a manager, KYC process (upload a selfie with passport), and then account verification by the system
- Customer Support: 24/7 support via live chat
- Special Offers: First 50 cards are free to issue, cashback, referral program to speed up the registration process
- Abcard
Abcard.io (or AnyBill) is a financial service that issues virtual cards for advertising payments and international transactions. All of the service’s cards are based on the Visa/Mastercard/UnionPay payment systems. Users can issue an unlimited number of cards. All cards are free. However, there is a minimum deposit requirement of $150 for the first balance top-up. For subsequent top-ups, the minimum deposit is $500. The top-up fee starts at 3.5%, depending on the transaction amount and overall account activity.
Key Features:
- Number of BINs and Their Geographies: 6 BINs from UK banks
- Card Funding: Cryptocurrencies
- Crypto Support: USDT (TRC20, ERC20)
- Team Collaboration Tools: Task distribution and role assignment
- Expense Analytics: Detailed transaction reports
- Security Technologies: Encryption technologies
- Notifications and 3DS Codes: Telegram bot
- Registration: Standard registration form and account confirmation via Telegram bot
- Customer Support: 24/7 support via website chat, email, and Telegram
- Special Offers: Custom BINs for teams
Choosing the right virtual card helps avoid delays and errors when paying for Instagram ads. We reviewed five optimal cards for Instagram ad payments. Each of these services offers reliable BINs from banks in the U.S., Europe, and the UK, along with numerous benefits. All the services in our ranking provide team collaboration tools and expense analytics, as well as special conditions for media buyers. PSTNET offers 100 free cards and 3% cashback on ad expenses, Capitalist provides personalized conditions for large campaigns, LinkPay offers 100 free cards with a specific plan, Brocard includes cashback upon meeting conditions, and Abcard allows the creation of custom BINs for teams.
Overall, each card in our ranking solves common issues with Instagram ad payments. To avoid account blocks and payment errors, regularly monitor Instagram Data policy updates, especially before launching campaigns.
