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ExCards vs KripiCard

ExCards or KripiCard? This page puts the same fields from both reviews side by side — every number from each issuer's official pages, checked 2026-11-10 — and gives a verdict for three uses: advertising, subscriptions and large spending.

Side-by-side comparison

Key differences

• Virtual issuance: KripiCard at 5 USD is lower than ExCards at 29 USD.
• Top-up fee: ExCards at 2% is lower than KripiCard at 4%.
• Spend / conversion fee: the same on both, 0%.
• FX fee: KripiCard at 0% is lower than ExCards at 2%.

ExCards

ExCards: ExCards is a virtual-card reseller and operator. One of the most completely documented ad cards; issuance and top-up costs are high, so it suits heavy spenders. Issuance 29 usd; total cost at non-usd merchants 7.3%–10.8%; accepts passport. Best for passport-holding ad teams that need high-limit cards; not for individuals who only want to pay for one or two AI subscriptions cheaply. Read the full review

KripiCard

KripiCard: KripiCard is a virtual-only card platform. Publishes the bulk issuing and limits ad teams care about; the price is a 4% + 1 USD top-up fee. Issuance 5 usd; total cost at non-usd merchants 4.6%. Best for ad teams that need many virtual cards to separate accounts; not for small individual users sensitive to top-up cost. Read the full review

Verdict by use case

Advertising

It depends on your budget structure. Many accounts with small budgets each: choose KripiCard — 5 USD per card, unlimited cards, all four fees published. Large spend per account: choose ExCards Mastercard Business — officially recommended for high spend, 1M USD a month, and a 3.5% top-up fee versus KripiCard's 4% + 1 USD.

AI and software subscriptions

Choose KripiCard. Its 5 USD issuance is far below ExCards' 29–50 USDT and its authorization fee is 0%; ExCards' E-commerce tier charges 0.10 USD on transactions under 1 USD, unfriendly to the small pre-authorizations subscriptions run when you add a card.

Large spending

Choose ExCards Visa Universe. Its 2% top-up fee is the lowest of the pair and it allows 1M USD per transaction; on our basis it costs about 7.3% at non-USD merchants versus about 4.6% for KripiCard, but the larger each top-up, the less KripiCard's fixed 1 USD matters and the more its 4% does.

Choose by your situation

• If you live in mainland China: ExCards and KripiCard are not explicitly excluded, but get written confirmation from the issuer first.
• If you need a physical card or ATM cash: both are virtual-only, with no ATM access.
• If you need many cards for separate accounts or projects: KripiCard officially supports multiple or bulk cards.
• If you top up via TRC20: ExCards and KripiCard officially list TRON / TRC20.

Conclusion

These are the two most completely priced ad cards on the site. KripiCard wins on low issuance and unlimited cards; ExCards wins on limits and simple KYC (passport only). Both are virtual-only with no ATM. Both also penalise failed transactions: KripiCard requires chargeback and refund ratios below 15%, and ExCards' E-commerce tier adds 0.80 USD per transaction above a 10% decline rate, so teams with many failed charges will pay more than the worked example shows.

Whichever you pick, confirm first that your residence and documents fall within the issuer's policy, and test with a small amount before relying on it.

Related reading

For each card's full calculation and document details, see the ExCards and KripiCard reviews; to rule out cards by residence first, see the KYC policy table. Other comparisons:

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FAQ

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.