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

August 12, 2025

The world of traffic arbitrage requires flexibility, speed, and financial reliability. And if you have already tried PayWithMoon, you know how convenient it is to have a platform for issuing virtual cards at hand. However, as in any business, relying on only one tool is risky. Arbitrageurs are increasingly looking for other services that will not only replace PayWithMoon, but also give more: in commissions, replenishment, analytics, and working with teams.

In this article, we have collected the best PayWithMoon alternatives for media buyers who need stability, scalability, and control. All platforms support virtual cards for arbitrage and are suitable for both individual specialists and agencies.

Why do you need an alternative to PayWithMoon

PayWithMoon can be a convenient solution, especially if you work in the US, but it has limitations:

  • Limited support for replenishments (especially with cryptocurrency).
  • High fees in some scenarios.
  • Tied to specific regions.
  • No full support for large-scale media buying teams.

If you work with different advertising platforms and geos, it is better to prepare backup and more universal solutions in advance.

FuncCards — maximum control and flexibility

FuncCards is an advanced platform for arbitrageurs, tailored to the needs of advertising on Google, Facebook, TikTok and other sources. Every detail is important here — from instant card issuance to transparent expense analytics.

Features:

  • Instant issuance of Visa and Mastercard cards.
  • Bulk generation and management.
  • Single balance for all cards.
  • Flexible limits for each card.
  • Team support with role differentiation.
  • Built-in analytics.
  • Successful linking to most advertising accounts.

Terms:

  • Card issuance: from $1.
  • Maintenance: from $1 per month.
  • Replenishment: from 2% (depending on the method).
  • Minimum deposit: $50.

FuncCards is a great choice for teams and freelancers who value flexibility, speed, and independence from a single entry point.

Multicards — for teams that scale

Multicards is a platform suitable for agencies and teams where not only speed but also teamwork is important. It fits perfectly into large media buying processes.

Features:

  • More than 30 BINs for different countries and advertising platforms.
  • Possibility to issue hundreds of cards without restrictions.
  • Replenishment by both cryptocurrency and bank transfer.
  • Teamwork with rights management.
  • Detailed analytics for each user.

Terms:

  • Card issue: from $0 to $2.
  • Maintenance: free.
  • Replenishment: from 0% (crypto), up to 1% (bank).
  • Minimum deposit: $100.

Ideal for those who work with large budgets and distribute tasks between media buyers.

Payniq — balance between bank and crypto

Payniq is a payment ecosystem that allows you to easily work with both bank transfers and crypto. It is perfect for arbitrageurs who value fast replenishment and multi-currency support.

Features:

  • One balance for all cards.
  • Replenishment via SWIFT, SEPA, USDT, USDC.
  • Fast issuance of cards without queues.
  • API for connecting to analytics systems.

Terms:

  • Card issue: free.
  • Maintenance: no fixed fee.
  • Replenishment: from 0%.
  • Minimum deposit: $50.

Payniq is worth choosing if you value the speed of transactions and the ability to flexibly switch between fiat and crypto.

PSTNET — advertising with cashback

If it is important for you not only to pay for advertising, but also to receive part of the funds back, PSTNET is your choice. This is a platform with a focus on advertising costs and bonus programs.

Functions:

  • Cashback up to 3% on Google Ads, Facebook, TikTok.
  • Instant card issue.
  • Up to 100 free cards per month.
  • More than 20 BINs.
  • Integrations and analytics in the panel.

Terms:

  • First card — free.
  • Premium card — from $16 per month.
  • Minimum deposit — from $50.
  • Replenishment: from 0%.

A good option for those who actively spend budgets on advertising and want to return part of the funds.

Aifory Pro — simple and fast, if you are in crypto

Aifory Pro is perfect for arbitrageurs working mainly with cryptocurrencies. Quick registration and simple management make it a convenient tool.

Features:

  • Instant card issue.
  • Apple Pay and Google Pay support.
  • Currency support: crypto + fiat.
  • No monthly payments.
  • Minimum verification.

Terms:

  • Card issue: from $3 to $5.
  • Replenishment: from 0%.
  • Minimum deposit: $20.

For quick launches in new campaigns and bypassing restrictions – a great solution.

Why use several services at once

Professional media buyers have long understood: one service is an addiction. And addiction in arbitrage is a risk. Problems with BINs, blocking, technical errors – all this can cost you thousands of dollars.

Therefore, the working strategy looks like this:

  • Main service: FuncCards or Multicards – for large-scale operations.
  • Backup: Aifory Pro or Payniq – when you need to quickly switch.
  • Bonus: PSTNET – for cashbacks and reducing final expenses.

So you get not only stability, but also cost optimization, as well as flexibility when scaling.

Conclusion

PayWithMoon is one of the notable players on the market, but it is far from the only one. Modern arbitrage teams require more than just issuing a card. They require speed, analytics, teamwork, profitable commissions and flexible BINs.

FuncCards, Multicards, Payniq, PSTNET and Aifory Pro are platforms that have already proven their effectiveness in traffic arbitrage. The correct distribution between them will give you not only stable work, but also additional benefits.

Keep your tools under control, test platforms and don’t be afraid to use several solutions at once – this is what a professional approach to arbitrage is today.

 

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