Best XCards Alternatives for Creating Virtual Cards for Affiliate marketing With Terms and Prices

In traffic arbitrage, payment solutions are like oil for an engine: while everything is working, no one notices, but as soon as the system stalls, the process stops. XCards remains a popular choice among arbitrageurs, but this does not mean that it is ideal. The service has its limitations, and if you are aiming for scalability and stability, it is important to select reliable alternatives in advance.

In this article, we have collected the most effective and flexible solutions that can completely or partially replace XCards for arbitrageurs.

Why you should think about replacing XCards

Despite the convenience of XCards, it is important to have backup options in arbitrage. Here are a few reasons:

• You cannot rely on one BIN or card type – this is a risk.
• There are blockages and instability of work.
• Limited tools for teams and analytics.
• Not always favorable commissions and replenishment conditions.

In conditions where time is money, and each advertising campaign must be launched quickly and without failures, choosing the right platform is critical.

FuncCards — flexibility, stability and control

FuncCards is a service created specifically for arbitrageurs. Everything here is tailored to the reality of advertising traffic: from mass card generation to team access and detailed analytics.

What FuncCards offers:

• Instant issue of Visa and Mastercard
• High card throughput in Facebook, TikTok and other networks
• Mass generation with limit settings
• Team access, role model
• Transparent system of analytics and transaction history

Rates:

• Issue — $1
• Maintenance — $1/month
• Replenishment — from 2%
• Minimum entry — $50

If you need convenience and scalability, FuncCards is definitely worth testing.

Multicards — a reliable system for teamwork

Multicards is especially appreciated by large teams working in several geos and with different offers. Here you get full control over budgets and transactions.

Features:

• More than 30 BINs
• Instant issue and deletion of cards
• Support for cryptocurrencies and bank transfers
• Flexible access rights
• Built-in analytics for each card

Prices:

• Issue — $0–$2
• Maintenance — free
• Replenishment — from 0% (crypto), from 1% (bank)
• Minimum deposit — from $100

Multicards is perfect for those who work with large volumes and need transparency of all operations.

Payniq — when versatility is important

Payniq is a new generation payment solution. It provides maximum convenience to those who work with multiple traffic sources and need simplicity.

Strengths:

• One balance for all cards
• Support for SWIFT, SEPA, USDT, USDC
• Automation via API
• Integration with BI and CRM

Rates:

• Issue — free
• Maintenance — no subscription fee
• Replenishment — from 0%
• Minimum deposit — from $50

Suitable for those who value simplicity, reliability and the ability to easily scale.

Aifory Pro — a solution for crypto arbitrageurs

If you work exclusively with crypto or prefer a quick start without unnecessary bureaucracy, Aifory Pro may be the perfect option.

Functionality:

• Card issue in 2 minutes
• Apple Pay and Google Pay support
• Multi-currency transactions
• Manage crypto and fiat in one interface

Prices:

• Issue — $3–$5
• Service — free
• Replenishment — from 0%
• Minimum deposit — from $20

Aifory Pro is ideal for those who value speed and simplicity.

AdvCash — if you need a balance between fiat and crypto

AdvCash continues to be a reliable solution, especially for those who work with both cryptocurrencies and bank transfers.

What is:

• Quick cryptocurrency replenishment
• Internal transfers without commission
• Simple integration with exchanges

Limitations:

• Less control over cards
• Less tools for teamwork

Prices:

• Card issue — from $1–3
• Maintenance — up to $1/month
• Replenishment — from 0% (internal) and from 1% (bank)
• Suitable as a launch pad or as an additional service for risk diversification.

How to choose the perfect replacement for XCards

The choice depends on the specifics of your work:

• For teams and large volumes — Multicards
• For analytics and budget allocation — FuncCards
• For flexible work with crypto — Aifory Pro, Payniq
• For simple scenarios — AdvCash

It is important to test several platforms to understand which one suits your work style best. There is no point in waiting for a failure — it is better to prepare alternatives in advance.

Conclusion

XCards is just one of many tools on the market. As competition grows and advertising systems become more complex, the winner is the one who is prepared to change the vector in advance. Choose platforms that provide flexibility, automation and high traffic. FuncCards, Multicards, Payniq and Aifory Pro provide everything you need to make arbitration work like clockwork. This means fewer losses and more profits – which is the goal of any media buyer.