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ExCards review

ExCards
VirtualVisaMastercardPassportNo POA
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ExCards is a virtual-card reseller and operator. Its website says cards are issued by a third-party issuing partner whose name you see once the card is issued, and stresses that it is not a bank. There are three cards — Visa Universe, Visa E-commerce and Mastercard Business — with fees and limits published per tier and an effective date shown.

Pros

  • Full tiered fees and limits published with an effective date
  • 8 top-up chains including TRC20
  • Officially supports ad-platform billing
  • KYC needs only a passport

Cons

  • 29–50 USDT non-refundable issuance fee
  • 3.5% top-up fee on the E-commerce tier
  • No physical card, no ATM
29 USDIssuance
7.3%–10.8%Total cost
2%FX fee
500,000 USDDaily limit
Verdict: One of the most completely documented ad cards; issuance and top-up costs are high, so it suits heavy spenders.

Card overview

Fees

Virtual issuance
29 USD
Monthly fee
0 USD
Top-up fee
2%
Spend / conversion
0%
FX fee
2%
ATM
Not available (virtual cards only)

Limits

Daily
500,000 USD
Monthly
1,000,000 USD

Card info

Network
Visa, Mastercard
3DS
✓ Supported
Website
excards.io

Funding

Chains
TRC20, ERC20, BEP20, Bitcoin, Polygon, Arbitrum, Optimism, Avalanche
Assets
USDT
Minimum
10 USD

Ad platforms

Meta Ads
Official FAQ says all three cards work for ad-platform billing; E-commerce card aimed at Meta/Google/TikTok
Google Ads
Officially supported
TikTok Ads
Officially supported

Headline fields use the cheapest tier, Visa Universe; issuance 29/35/50 USDT one-off and non-refundable; top-up fee 2% (Universe) / 3.5% (E-commerce, Business) plus on-chain gas; FX markup up to 2% and the issuer may charge extra; no monthly or inactivity fee; spending is not charged as a percentage but as a fixed per-authorization fee (see tier table), so spend_pct is recorded as 0

Mastercard Business tier (officially recommended for high spend); see the tier table for others

Data basis: Priced by card tier: Visa Universe / Visa E-commerce / Mastercard Business

KYC requirements

Documents and regions

National ID card
✗ Not accepted
Passport
✓ Accepted
Passport + proof of address
Not required
Restricted regions
North Korea, Iran, Syria, Cuba, Russia, Belarus, Sanctioned regions of Ukraine, Myanmar (specific persons), Sudan (specific regions), Other countries under comprehensive UN/EU/OFAC sanctions

Official "light KYC": a clear passport scan only, no selfie, video call or liveness check; the restricted list does not mention mainland China; using VPNs to disguise your country may lead to card closure

excards.io · 2026-11-10

ExCards uses what it calls "light KYC": a clear passport scan only, with no selfie, video call or liveness check and no proof of address. The official restricted list covers sanctioned places such as North Korea, Iran and Russia and does not mention mainland China; it also explicitly bans using VPNs to disguise your country. For advertising, the official FAQ says all three cards work for ad-platform billing, with Mastercard Business recommended for high spend. The trade-off is a one-off, non-refundable 29–50 USDT issuance fee and 2%–3.5% on top-ups.

What 1,000 USDT buys

Open one virtual card, top up 1000 USDT once (1 USDT = 1 USD) and spend it over 10 purchases; spendable amounts at USD and non-USD merchants, on-chain gas excluded.

Visa Universe

① Issuance fee: 29.00 USD
② Top-up fee: 1000 × 2% = 20.00 USD
③ Card balance: 1000 − 29.00 − 20.00 = 951.00 USD
③b Authorization fees: 0.5 × 10 = 5.00 USD → 946.00 USD
④ Spendable at a USD merchant: 946.00 ÷ (1 + 0%) = 946.00 USD
⑤ Spendable at a non-USD merchant: 946.00 ÷ [(1 + 0%) × (1 + 2%)] = 927.45 USD
Total cost: USD merchant 5.40% / non-USD merchant 7.25%

Visa E-commerce

① Issuance fee: 35.00 USD
② Top-up fee: 1000 × 3.5% = 35.00 USD
③ Card balance: 1000 − 35.00 − 35.00 = 930.00 USD
④ Spendable at a USD merchant: 930.00 ÷ (1 + 0%) = 930.00 USD
⑤ Spendable at a non-USD merchant: 930.00 ÷ [(1 + 0%) × (1 + 2%)] = 911.76 USD
Total cost: USD merchant 7.00% / non-USD merchant 8.82%

Mastercard Business

① Issuance fee: 50.00 USD
② Top-up fee: 1000 × 3.5% = 35.00 USD
③ Card balance: 1000 − 50.00 − 35.00 = 915.00 USD
③b Authorization fees: 0.5 × 10 = 5.00 USD → 910.00 USD
④ Spendable at a USD merchant: 910.00 ÷ (1 + 0%) = 910.00 USD
⑤ Spendable at a non-USD merchant: 910.00 ÷ [(1 + 0%) × (1 + 2%)] = 892.16 USD
Total cost: USD merchant 9.00% / non-USD merchant 10.78%

Fees by tier

TierIssuanceTop-upPer-authorizationLimits
Visa Universe29 USDT2%0.5 USD1M per transaction / 3M daily and monthly USD
Visa E-commerce35 USDT3.5%—
0.10 USD per authorization under 1 USD; 0.03 USD per 3DS check; 0.80 USD surcharge per transaction if the card's decline rate exceeds 10%		20,000 USD per transaction, no daily/monthly cap
Mastercard Business50 USDT3.5%0.5 USD250K per transaction / 500K daily / 1M monthly USD

← →

Who it suits

Suits: Passport-holding ad teams that need high-limit cards

Not for: Individuals who only want to pay for one or two AI subscriptions cheaply

Checklist before you apply

  1. Check your residence: Confirm in writing with support that your residence is supported.
  2. Prepare documents: Passport.
  3. Check the live fee preview in the app before opening.
  4. Use the right network: TRC20, ERC20, BEP20, Bitcoin, Polygon, Arbitrum, Optimism, Avalanche; the network name must match when withdrawing from an exchange.
  5. Start small: top up only enough for one purchase first, and confirm arrival, charges and refunds work before adding more.

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Head-to-head: ExCards vs KripiCard.

FAQ

Can mainland China residents apply for ExCards?

Official "light KYC": a clear passport scan only, no selfie, video call or liveness check; the restricted list does not mention mainland China; using VPNs to disguise your country may lead to card closure Confirm with official support before applying.

How much does it cost to open a ExCards card?

Virtual card issuance 29 USD, physical card —, monthly fee 0 USD.

Can ExCards be used for Meta / Google / TikTok ads?

Issuer statements — Meta Ads: Official FAQ says all three cards work for ad-platform billing; E-commerce card aimed at Meta/Google/TikTok; Google Ads: Officially supported; TikTok Ads: Officially supported.

How much can I actually spend from 1,000 USDT on ExCards?

Visa Universe ≈ 927.45 USD; Visa E-commerce ≈ 911.76 USD; Mastercard Business ≈ 892.16 USD.

How can I top up ExCards?

Chains: TRC20, ERC20, BEP20, Bitcoin, Polygon, Arbitrum, Optimism, Avalanche; assets: USDT; minimum: 10 USD.

Affiliate linkOpen a ExCards card

Checked 2026-11-10 · excards.io

A U-card is only for passing payments through: top up only what you will spend, and never keep a large balance on the card.