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PST.NET review

PSTNET
VirtualVisaMastercard
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PST.NET is a virtual-card platform for media-buying teams, built around ad cards: the Advertisement card offers 15 BINs and PST Private 22, with no caps on the number of cards or spend, a free API and team management, and 3DS on Ultima and Private cards.

Pros

  • Built for media buying, unlimited cards
  • Website states 0% transaction, decline and refund fees
  • 3DS supported, 15–22 BINs
  • Free API and team management

Cons

  • 10–16 USD per card per month adds up with many cards
  • Unavailable-country list unreadable on the page
10 USDIssuance
≥1.0%Total cost
—FX fee
—Daily limit
Verdict: Full feature set for ad teams with zero transaction and decline fees, but a monthly fee per card.

Card overview

Fees

Virtual issuance
10 USD
Monthly fee
10 USD
Spend / conversion
0%

Limits

Bulk issuing
Supported (unlimited cards, free API, team management)

Card info

Network
Visa, Mastercard
3DS
✓ Supported
Website
pst.net

Ad platforms

Meta Ads
Website calls it a universal virtual card for all advertising platforms (no platform named)
BIN
Advertisement card 15 BINs

Advertisement card: issuance and monthly fee (after the first month) 10 USD each; Ultima card: 16 USD (the cards list page separately says "from 7$", a conflict); website states 0% transaction fee, 0% declined-payment fee, 0% refund fee and 0% card withdrawal fee

Website says no limits on spend or number of cards, with no daily/monthly figures; some merchant categories excluded (e.g. MCC 6051 quasi-cash, 4829 money transfer, 7995 gambling)

Data basis: Advertisement card

KYC requirements

Officially full eKYC with Sumsub, including automated ID and biometric verification; the unavailable-country list did not render on the page

pst.net · 2026-11-10

Its pricing differs from other U-cards: the website states 0% transaction, declined-payment, refund and card-withdrawal fees, but charges a monthly fee per card — 10 USD issuance and 10 USD a month after the first month for the Advertisement card, 16 USD for Ultima.

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.

① Issuance fee: 10.00 USD
② Top-up fee: 1000 × 0% = 0.00 USD
③ Card balance: 1000 − 10.00 − 0.00 = 990.00 USD
④ Spendable at a USD merchant: 990.00 ÷ (1 + 0%) = 990.00 USD
⑤ Spendable at a non-USD merchant: 990.00 ÷ [(1 + 0%) × (1 + 0%)] = 990.00 USD
Total cost: USD merchant 1.00% / non-USD merchant 1.00%

Who it suits

Suits: Media-buying teams that need many ad cards managed by team

Not for: Individuals needing one or two cards; small users sensitive to monthly fees

Checklist before you apply

  1. Check your residence: Confirm in writing with support that your residence is supported.
  2. Prepare documents: ask first whether your document type is accepted.
  3. Check the live fee preview in the app before opening.
  4. Use the right network: it must match the deposit page 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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Related records: When an issuer's own official pages contradict each other.

FAQ

Can mainland China residents apply for PST.NET?

Officially full eKYC with Sumsub, including automated ID and biometric verification; the unavailable-country list did not render on the page Confirm with official support before applying.

How much does it cost to open a PST.NET card?

Virtual card issuance 10 USD, physical card —, monthly fee 10 USD.

Can PST.NET be used for Meta / Google / TikTok ads?

Issuer statements — Meta Ads: Website calls it a universal virtual card for all advertising platforms (no platform named).

How much can I actually spend from 1,000 USDT on PST.NET?

On official fees, about 990.00 USD at a USD merchant and 990.00 USD at a non-USD merchant (upper bound).

How can I top up PST.NET?

Use the networks and assets shown on the app's deposit page.

Affiliate linkOpen a PST.NET card

Checked 2026-11-10 · pst.net

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.