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

The Payniq payment platform has proven itself as a convenient tool for media buying: easy replenishment, support for crypto and bank transfers, no subscription fee. However, even stable solutions have limitations: technical failures, unstable operation of BINs, or the need for scaling. In such cases, it is worth having alternatives in advance.

In this article, we will analyze the best services that can successfully replace Payniq when launching and running advertising campaigns.

Why you might need an alternative to Payniq

Payniq is good for its simplicity and zero commissions for replenishment, but it does not always cover the needs of advanced arbitrageurs. Here’s what you may encounter:

• Lack of BINs for complex geos
• Limited control over limits
• Lack of advanced teamwork
• Limited integrations

If your goal is scale and stability, you should look towards more flexible platforms.

FuncCards — powerful control with flexible conditions

FuncCards is a universal virtual card service tailored to the needs of arbitrageurs and advertising agencies. It offers an excellent combination of controllability, flexibility and speed.

Why FuncCards is better than just an alternative:

• Instant issue of Visa and Mastercard cards
• Single balance and multicurrency
• Team access with delimitation of rights
• Mass card generation
• Replenishment via bank and cryptocurrency

Rates:

• Card issue — $1
• Service — $1/month
• Replenishment — from 2%
• Minimum entry — $50

Great for arbitrageurs who value transparency, control and a quick start.

Multicards — for those who launch dozens of campaigns

Multicards is focused on scale: dozens of BINs, teams, statistics, integrations. This service is suitable for those who run buying departments or agencies.

What makes Multicards interesting:

• 30+ BINs for different geos
• Unlimited number of cards
• Analytics for each user
• Flexible limits
• Team mode and roles

Rates:

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

If you have many accounts, sources and campaigns — this solution will give you the necessary scale.

Stellarcard.io — a premium replacement with advanced analytics

If Payniq lacked the depth of analytics and powerful tools, try Stellarcard.io. This is a service for professionals with good budgets.

Features:

• Up to 24 BINs depending on the tariff
• API for automation
• Instant card generation
• Statistics export
• Personal settings for the team

Tariffs:

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

For large arbitrage teams with an eye on scale and analytics — one of the top solutions.

AdvCash — a reliable reserve in case of blocking

AdvCash — a budget and reliable way to keep an additional source of cards in reserve. Not ideal for scale, but great as a secondary option.

What it offers:

• Cards for advertising and subscriptions
• Multi-currency accounts
• Replenishment via bank and crypto
• Internal transfers without commission

Rates:

• Card issue — from $1–3
• Maintenance — up to $1/month
• Replenishment — from 0% (internally), from 1% (from the bank)
• Minimum deposit — from $10

Can be connected as a backup platform for non-standard situations.

Capitalist — stability and wide geography

Capitalist has long been used by arbitrageurs. It is suitable both for launching cards and for internal financial transactions.

Advantages:

• Cards for advertising
• Apple Pay support
• Replenishment via bank, crypto, within the system
• Multi-currency account

Terms:

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

Suitable for those who are looking for versatility and stable support.

Which service to choose instead of Payniq

• FuncCards — for those who value flexibility, visual control and management
• Multicards — if you work in a team and scaling is important to you
• Stellarcard.io — if you have a large budget and high requirements for analytics
• AdvCash or Capitalist — if you are looking for an inexpensive and reliable backup platform

Final conclusion

Payniq is a great service to start with, but over time, needs grow. To avoid getting stuck, keep at least two or three alternative solutions in reserve. This way you will ensure:

• campaign stability
• minimization of blocking risks
• flexibility of replenishment and withdrawal
• convenient scaling for team tasks

The world of arbitrage is not about the convenience of one service, but about the readiness to adapt at any time. And with the right alternatives, you will be ready for this.