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The best alternatives to FlexCard for creating virtual cards for affiliate marketing: current conditions and prices

August 12, 2025

In traffic arbitrage, payment stability is not a luxury, but a necessity. Any delay or blocking of a card can disrupt an advertising campaign, lead to budget loss and stop the flow of traffic. Just a few years ago, FlexCard was considered one of the main tools for media buying. However, the market is developing, and today more flexible, profitable and technological solutions have appeared. One of these leaders is the FuncCards service, which we will analyze first in this article. And then we will look at other worthy alternatives so that you can choose the best tool for your tasks.

FuncCards – fast virtual cards for arbitrage with full budget control

FuncCards is a modern service for issuing virtual cards, created specifically for arbitrageurs, advertising agencies and media buying teams. It is focused on paying for advertising in Google Ads, Facebook, TikTok, as well as in other advertising networks and applications. The main feature is simplicity, transparent rates and instant issuance of cards.

Why FuncCards stands out from the crowd

Many payment solutions suffer from a complex verification process, delays in issuing cards, or hidden fees. FuncCards solves all these problems:

  • Instant issuance. You can get a virtual Visa or Mastercard card immediately after creating an account.
  • Flexible budget management. All cards are linked to a single balance, which is convenient for distributing funds between campaigns.
  • Bulk card generation. The service allows you to issue several cards at once, which speeds up the launch of campaigns and reduces manual work.
  • High conversion of linking to advertising accounts. BINs are optimized for major advertising platforms, which increases the likelihood of successful payment.

Functionality for teams

FuncCards is ideal for media buying teams. The system allows you to set card limits, manage expenses in real time, assign roles, and monitor reporting. This approach allows you to control not only the budget, but also the effectiveness of each buyer.

Terms and prices

FuncCards works transparently, without hidden fees:

  • The cost of issuing a card is from 1 $/€.
  • The commission for replenishment is from 2% to 4%.
  • The monthly fee for the card is 1 $/€.
  • There are no fees for declined payments and returns.

You can replenish your account either by bank transfer or cryptocurrency. Multicurrency is supported, and there is no conversion fee for paying for advertising in EUR and USD within Facebook or Instagram.

Who is FuncCards suitable for

If you want to:

  • Quickly launch advertising campaigns without lengthy verification.
  • Work with cards that almost always go through advertising platforms.
  • Control the expenses of the entire team through a single account.
  • Avoid unnecessary commissions and hidden payments.
  • Then FuncCards will be one of the best choices.

RentAcc.Agency — a cheap start for newbies in arbitrage

RentAcc.Agency specializes in virtual cards adapted for Facebook, Google, TikTok and other advertising networks. This is a solution for those who want to start with minimal investment.

  • The cost of issuing a card is only $ 1.50.
  • The commission for replenishment is 4%.
  • BIN codes cover the USA, Great Britain and Brazil.
  • Replenishment is possible via USDT, SWIFT, Capitalist.

There is transaction monitoring, Telegram notifications and the ability to transfer between cards. Convenient if simplicity and clear cost at the start are important.

Multicards — scaling and low commissions

Multicards is a service for those who work with large budgets and teams. Its strong point is flexible commission and advanced analytics.

  • Issue cost — from $2.
  • Replenishment fee — from 0% to 3% depending on turnover.
  • No card maintenance fee or fee for declined payments.
  • First deposit up to $5,000 — no fee.

The service offers about 30 BIN groups (USA, UK, Estonia, Hong Kong, Turkey) and convenient functionality for distributing the budget between media buyers.

PSTNET — cashback and free cards

PSTNET is aimed at professional media buying teams and large budgets. Its main advantage is the complete absence of commissions on transactions and cashback.

  • 0% commission for transactions and declined payments.
  • Up to 100 free cards per month on the PST Private tariff.
  • Cashback up to 3% on Facebook, Google, TikTok.
  • API support, BIN checker and real-time expense control.
  • Suitable for those who want to reduce costs with a large number of cards and transactions.

Aifory Pro — a crypto-oriented solution with Apple Pay

Aifory Pro combines the capabilities of virtual cards for advertising and a full-fledged cryptocurrency wallet.

  • The cost of the card is $5 for a multi-currency card.
  • Replenishment via USDT/USDC or bank transfer.
  • Apple Pay support.
  • Up to 43 BIN groups.
  • Fast issuance in 2 minutes, personal manager for VIP clients.

Ideal if you actively work with crypto and want to pay for advertising directly from your crypto balance.

XCards — scalability and advanced analytics

XCards is a tool for experienced arbitrageurs and large teams. The service focuses on budget management and scaling of advertising campaigns.

  • More than 40 BIN groups.
  • Team management: limits, total balance, analytics for each media buyer.
  • 24/7 support.
  • Improved conditions with increasing turnover.

Convenient if it is important to centrally manage expenses and expand the volume of traffic purchases.

How to choose the best service

The choice depends on your tasks and budget:

  • FuncCards — quick start, high payment approval, full control for teams.
  • RentAcc.Agency — low entry threshold and simplicity.
  • Multicards — low fees when scaling.
  • PSTNET — cashback and free cards for large volumes.
  • Aifory Pro — integration with crypto and Apple Pay.
  • XCards — for large teams with advanced analytics.

Summary

FlexCard remains a working option, but there are solutions on the market that offer more opportunities and more favorable terms. If you want to minimize fees, increase payment throughput and flexibly manage your budget, start with FuncCards. RentAcc.Agency is suitable for a start with minimal costs. When scaling, it is worth considering Multicards or PSTNET, and for working with cryptocurrency, Aifory Pro. If you have a large team and need full control, XCards will be the best choice.

A well-chosen virtual card service will make arbitrage stable, predictable and allow you to focus on the main thing – increasing profits.

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