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The best alternatives to Capitalist for creating virtual cards for affiliate marketing: with conditions and prices

August 12, 2025

In traffic arbitrage, payment solutions are the nervous system of the entire funnel. One delay, one unsuccessful attempt to top up, and you lose money, time, and positions. Capitalist remains a popular choice among arbitrageurs, but its functionality is not suitable for everyone and not always. Limited card settings, the need for workarounds, and lack of flexibility when scaling are just some of the reasons why it is worth considering alternatives.

In this article, we will analyze the most reliable and effective services that can replace Capitalist in the daily work of an arbitrageur.

Why look for a replacement for Capitalist

The stability of Capitalist is an undeniable plus, but in the dynamic world of arbitrage, this alone is not enough. Among the weak points:

  • Low flexibility for BINs
  • Limited functionality for teamwork
  • Lack of mass card generation
  • Outdated interface and weak analytics

When you manage dozens of advertising accounts and distribute budgets in cryptocurrency and fiat, you need a service with a wide range of tools. Below are those who cope with this better.

FuncCards — functionality for arbitration needs

FuncCards is a platform created specifically for working with advertising budgets. Here you get not just cards, but a full-fledged cost management system.

Advantages:

  • Instant issue of Visa and Mastercard cards
  • High throughput in advertising networks
  • Mass generation of cards for different projects
  • Team access with delimitation of rights
  • Convenient personal account with analytics

Tariffs:

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

FuncCards is ideal for those who want to automate routine and focus on ROI.

Multicards — budget management and scalability

Multicards is suitable for large arbitration teams, where flexibility, control and speed are important.

Features:

  • Over 30 BINs to choose from
  • Support for crypto and bank transfers
  • Analytics tools for each card
  • Bulk card creation and deletion

Prices:

  • Issue: $0–$2
  • Maintenance: free
  • Replenishment: from 0% (crypto) and from 1% (bank)
  • Deposit: from $100

If you work in high volumes, Multicards will give you the necessary level of control and flexibility.

Payniq — a universal solution for crypto and fiat

Payniq combines ease of use with a high level of adaptation to arbitrage tasks.

Functions:

  • Single balance for all cards
  • USDT, SEPA, SWIFT, USDC replenishment
  • Integration with BI and CRM
  • API for automation

Terms:

  • Card: free
  • Service: no subscription fee
  • Replenishment: from 0%
  • Deposit: from $50

Payniq is perfect for those who combine different traffic sources and want a simple system with maximum convenience.

Aifory Pro — launch speed and multicurrency

If you need a quick launch of the card and you work mainly with crypto — Aifory Pro will not let you down.

Features:

  • Card issue in 2 minutes
  • Apple Pay / Google Pay
  • Storage of fiat and crypto in one account
  • Minimum fees

Rates:

  • Issue — from $3 to $5
  • Maintenance — free
  • Replenishment — from 0%
  • Deposit — from $20

For freelancers, solo arbitrageurs and small teams — one of the most convenient solutions.

AdvCash — still a worthy alternative to Capitalist

Although the article is devoted to finding alternatives to Capitalist, we cannot fail to mention AdvCash. It has a similar level of reliability and more opportunities when working with cryptocurrency.

Pros:

  • Quick crypto replenishment
  • Transfers within the system without commission
  • Simple integration with exchanges

Cons:

  • Less control over cards
  • It is more difficult to scale processes

Prices:

  • Card issue — from $1–3
  • Maintenance — up to $1/month
  • Replenishment — from 0% (inside) and from 1% (bank)

AdvCash is a good option for those who are just starting out and want a user-friendly interface without overload.

How to choose the right platform

The choice depends on the tasks:

  • For managing large amounts of traffic — Multicards
  • For teamwork and analytics — FuncCards
  • For crypto and simplicity — Aifory Pro, Payniq
  • For a minimal budget — AdvCash

There is no universal solution. Experienced media buyers use several services simultaneously to diversify risks, optimize commissions and get the most out of each payment channel.

Conclusion

Capitalist is stability, but the market is changing. If you want more control, flexibility and tools, it’s time to look at alternatives. FuncCards, Multicards, Payniq and Aifory Pro offer modern solutions that cover all the needs of arbitrageurs: from mass card issuance to advanced analytics. Test, combine, integrate. And don’t let payment instruments limit your growth.

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