RP Staff·

Virtual Cards For Google Ads: A Review Of The Best Services In 2025

It may seem like there’s nothing simpler than topping up an advertising account. However, professional media buyers know that working with Google Ads involves many complexities. Bank cards have limits, are subject to blockages, and often do not match the region of the account. Virtual cards help solve these problems.

But they come with other issues. To use them successfully, you need to understand the nuances of how they work and know how to choose the right BINs. Moreover, Google Ads is constantly improving its payment control mechanisms, and not all virtual card services can comply with the new rules. In this article, we will explain how to avoid Google’s restrictions on advertising payments. We have also prepared a review of the top three virtual card services that are guaranteed to work for Google Ads payments in 2025.

Read on for our review of PSTNET, Brocard, and LamanchePayments.

Best services of 2025: top 3 virtual cards providers

1. PSTNET

The virtual cards offered by this service are specifically designed for working with advertising platforms. The service offers virtual credit cards for Google Ads with 3% cashback. These can be issued within the PST Private program, as well as separate cards for Google Ads.

Overall, all virtual cards for advertising from PSTNET have suitable characteristics for media buying, and they can be issued in unlimited numbers. The main advantages of the service include no transaction fees, funds withdrawal, and operations with blocked or frozen cards.

Characteristics:

  • BINs: 25+ trusted BINs from banks in the USA and Europe that help to minimize payment risks
  • BIN checker “Pulse”: a free tool for card verification with a database of over 500,000 BINs
  • Top-up balance: supports 18 cryptocurrencies (BTC, USDT TRC 20, ERC 20, and others), SWIFT/SEPA bank transfers, other Visa/Mastercard cards
  • Team tools: setting card limits, assigning tasks, and assigning roles to team members
  • Expense analytics: financial operation reports available for users
  • Registration: can use Apple ID, Google accounts, Telegram, WhatsApp, or email
  • Customer service: available 24/7 via Telegram, WhatsApp, or live chat

2. Brocards

The Mybrocard service issues Visa/Mastercard virtual cards for advertising payments. The cards work with popular ad networks and international advertising platforms. However, it is important to note that the service has geographic restrictions.

The conditions for the cards are favorable. The first 50 cards can be issued for free. To issue cards, a balance of at least $500 must be deposited into the user’s account. There is a commission system. For example, the decline fee depends on the transaction amount and the overall percentage of declined payments. If more than 25% of payments are declined, the service blocks the cards. Replenishment fees do not exceed 4.5%.

Characteristics:

  • BINs: 20 BINs from banks in Europe, the USA, and the UK ensuring reliable transactions
  • Top-up balance: USDT (TRC20 and ERC20), Capitalist, Marketcall
  • Team tools: allows adding other users to the team and assigning them roles, distributing tasks among group members
  • Expense analytics: transaction information is displayed in the personal account
  • Registration: includes filling out a standard form on the website and KYC process (uploading a selfie with the passport)
  • Support service: available via live chat

3. Lamanche Payments

Lamanche Payments is a reliable financial service for virtual cards. They work well with advertising platforms and are convenient for teams of all sizes.

To start working, you need to contact the service manager. This option is available alongside the registration process on the platform. The manager conducts a short survey about your goals and preferences and sends you an activation code.

In the personal profile, a JackWallet crypto wallet is automatically created, and you will need to top up the card balance through it. There is a minimum deposit – you cannot deposit less than $500. All commissions and conditions are fully transparent. You only need to pay for replenishment and withdrawal. The commission amounts depend on turnover, and the full grid is listed on the service’s website.

Characteristics:

  • BINs: 8 BINs from banks in the USA and Europe
  • Crypto top-up via JackWallet: supports popular cryptocurrencies
  • Team tools: add users and manage roles in the account
  • Expense analytics: available in the form of a bank account report
  • Registration: via the personal account with manager assistance
  • Customer support: via Telegram

How to avoid Google Ads restrictions

Even if you have chosen the perfect virtual card provider, you are not guaranteed to avoid declines 100%. To ensure stable payment for Google Ads, you need to consider a few factors and always check:

1. Region compatibility:

Google checks the country of the card against the account’s region. If the mismatch is obvious (for example, a European card on an Indian account), the payment may fail.

2. Separate payment methods:

Do not use one card for multiple accounts. This can lead to mass blocking. The optimal option is one card per account.

3. Limit control:

Many services set limits on the amount of a single transaction and daily payment volume. If you exceed the limit, the payment may be declined. It is better to clarify the limits in advance and set budgets accordingly. Be sure to take into account all fees for the payment method to avoid exceeding the limit.

4. Choosing the right card type:

Cards can be single-use or reusable. Single-use cards may raise suspicions if used consistently in the same account. Reusable cards appear more natural to anti-fraud systems.

5. Proper card replenishment:

If the virtual card service only accepts cryptocurrency, this may signal a risk. Cryptocurrencies are subject to unpredictable fluctuations. For long-term use, it is better to choose services that offer multiple top-up methods.

Additional Details

Google is more lenient with accounts that use different payment methods. Combining virtual cards with PayPal or bank transfers reduces the risk of blocking. Another important factor is the BIN of the cards. These are the first six digits of the card number that define which payment system the card belongs to. If a particular BIN is on Google’s risk list, payments may fail. Using cards with different BINs increases payment stability.

Some media buyers work through agency accounts. These are advertising accounts where secure payment methods are already integrated. This approach reduces the risk of blockages but requires reliable partners. If a media buyer has access to agency accounts, this may be a good solution for large budgets.

Conclusion

Virtual cards remain a key tool for media buyers, but their use requires knowledge. The main thing is to adhere to payment discipline, avoid obvious schemes, and work with trusted services. Such as PSTNET, Brocards, and Lamanche Payments. This way, Google Ads will not create payment problems, and advertising campaigns will run smoothly.

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