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

Multicards is a platform that has gained popularity among arbitrage teams due to its flexibility, multiple BINs, and analytics capabilities. But any system can stop being convenient: failures, blockages, inability to replenish – all this requires the readiness to quickly switch to an analogue. Today we will tell you about reliable alternatives to Multicards that can replace it at any time without losing the pace of advertising campaigns.

Why it is worth having an alternative to Multicards

Even the most flexible and scalable service cannot be a universal solution for all occasions. Depending on the geo, traffic sources, and advertising volumes, you may need:

• Other BINs to bypass moderation
• More favorable commissions
• Fast replenishment via crypto or fiat
• Support for team access and roles
• A backup plan in case of blocking

Now let’s look at the services that successfully cope with these tasks.

FuncCards — flexibility, power and speed

FuncCards is a modern solution for media buyers working with large and medium budgets. The service offers fast card generation, advanced management functions and reliable integration with advertising platforms.

Why you should pay attention:

• Issue Visa and Mastercard cards in seconds
• Single balance for dozens of cards
• USD and EUR support without conversion
• Replenishment via cryptocurrency and bank transfers
• Team access and rights management

Terms:

• Card issue — $1
• Service — $1/month
• Replenishment — from 2% (depending on the method)
• Minimum entry — $50

Ideal for those looking for a stable and fast replacement with detailed analytics.

Stellarcard.io — premium service with full automation

Stellarcard.io is a platform for experienced arbitration agencies, where not only speed and reliability are important, but also analytics, scalability, API integrations.

Functions:

• Up to 24 BINs
• Automatic map generation
• Deep analytics and data export
• API for integration into CRM and tracking systems

Prices:

• Basic — $100/month
• Pro — $200/month
• Private — $500/month
• Replenishment — from 3% to 4%
• Deposits — from $500

A choice for teams that value full control over the advertising process and fast, scalable solutions.

Payniq — simplicity and balance between crypto and banking

If you are looking for a replacement with a simple interface and instant replenishment, Payniq is a worthy option.

Advantages:

• Instant replenishment of SWIFT, SEPA, USDT, USDC
• Single balance for all cards
• Simple setup and convenient operation

Prices:

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

Suitable for beginners and those who do not want to complicate processes.

AdvCash — a universal option in case of blocking

AdvCash can be used as an additional source of replenishment or a backup platform.

Features:

• Cards for advertising and subscriptions
• Replenishment with crypto and fiat
• Free transfers within the platform

Rates:

• Card issue — from $1–3
• Maintenance — up to $1/month
• Replenishment — from 0% (inside), from 1% (from the bank)
• Minimum entry — $10
• A great option as a backup.

Capitalist — stability and compatibility with most networks

Capitalist has long been used in arbitrage, especially for financial transactions within teams or in partner networks.

What it offers:

• Virtual cards with multi-currency support
• Replenishment with crypto, from bank accounts, within the system
• Apple Pay support

Rates:

• Issue — $1–3
• Service — up to $1/month
• Replenishment — from 0%
• Minimum deposit — $10

Recommended as a stable alternative for various tasks.

What to choose instead of Multicards

• FuncCards — for those who need fast scaling and team control
• Stellarcard.io — for advanced teams with large volumes and complex analytics
• Payniq — for simple and fast replenishment
• AdvCash — as a reserve in case the main account is blocked
• Capitalist — as a universal solution for daily work

Conclusion

Multicards is a strong player in the market, but no service can be the only one. Technology, advertising and regulations are constantly changing, so it’s important to always have a plan B. With alternatives, you can:

• Quickly transfer work in case of a failure
• Use other BINs to pass moderation
• Reduce fees and increase replenishment flexibility
• Configure roles and access for teams

Experienced arbitrageurs do not limit themselves to one service – they choose tools that match the task and the moment. This is how a reliable system for scalable and profitable media buying is built.