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Cost 4.6%Publishes the bulk issuing and limits ad teams care about; the price is a 4% + 1 USD top-up fee.
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VMCardio review
VMCardio
VMCardio positions itself as an enterprise virtual-card issuing and team-expense platform. The use cases on its website are, in order, ad buying, AI tool subscriptions, SaaS subscriptions and cross-border sourcing. The selling points advertisers mention most are multi-region BINs and bulk issuing: the website claims 20+ Visa / Mastercard BINs across the US, Hong Kong and the EU, plus an API for bulk card creation, multi-level team permissions and per-member budgets.
Pros
- Built for ad buying and team spend: bulk-issuing API and multi-level team permissions
- Offers a per-merchant BIN pass-rate lookup (90-day aggregate data)
- Visa / Mastercard BINs from several regions
—Issuance
—Total cost
—FX fee
—Daily limit
Verdict: Feature set fits ad teams well; get a written fee quote before signing up.
Card overview
Limits
- Bulk issuing
- Supported
Card info
- Network
- Visa, Mastercard
- Licences
- Website says it holds MSB and other licences in several jurisdictions
- Website
- vmcardio.com
Ad platforms
- Meta Ads
- Website says it supports bulk Meta payments
- Google Ads
- Website says supported
- TikTok Ads
- Website says supported
Neither the homepage nor the BIN pass-rate page publishes a fee schedule
Website says daily / weekly / per-transaction limits are configurable
KYC requirements
The public website does not state which KYC documents are required
vmcardio.com · 2026-11-10
From a data-review standpoint, VMCardio's problem is missing disclosure. On the check date neither the homepage nor the BIN pass-rate page showed a fee schedule, and the site listed no issuing bank, licence number, KYC document list or restricted regions. That does not make it expensive or cheap — it means you should ask support for a written fee schedule covering issuance, top-up, spending and FX fees before you sign up.
Who it suits
Suits: Multi-account ad teams and cross-border companies that need bulk cards and per-member budgets
Not for: Individuals who want to see a full fee schedule before opening a card
Checklist before you apply
- Check your residence: Confirm in writing with support that your residence is supported.
- Prepare documents: ask first whether your document type is accepted.
- Check the live fee preview in the app before opening.
- Use the right network: it must match the deposit page when withdrawing from an exchange.
- 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: Third-party leads checked against official pages.
FAQ
Can mainland China residents apply for VMCardio?
The public website does not state which KYC documents are required Confirm with official support before applying.
How much does it cost to open a VMCardio card?
Virtual card issuance —, physical card —, monthly fee —.
Can VMCardio be used for Meta / Google / TikTok ads?
Issuer statements — Meta Ads: Website says it supports bulk Meta payments; Google Ads: Website says supported; TikTok Ads: Website says supported.
How much can I actually spend from 1,000 USDT on VMCardio?
Ask the issuer for written fees before signing up, then calculate.
How can I top up VMCardio?
Use the networks and assets shown on the app's deposit page.
Affiliate linkOpen a VMCardio card
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.