01 The cards
What determines whether a merchant accepts a card is its BIN — the first six to eight digits, which identify the network, the country and the product type. We let you choose between a European BIN, a US BIN and a Hong Kong BIN, because that is the only lever that genuinely changes anything for you.
02 Three issuing regions
Issued in the European Economic Area. This is the card to take if you live in Europe, pay mostly in euro and want to avoid conversion fees on everyday purchases.
Issued in the United States. Useful for services billed in dollars and for platforms that reject non-domestic cards — hosting providers, ad networks, US marketplaces.
Issued in Hong Kong. Useful for Asian merchants and platforms that reject European or US cards, and for services billed in HKD. Worth noting: the Hong Kong dollar is pegged to the US dollar within a narrow band, so the value tracks that of a dollar card closely — what changes is the issuing region, not purchasing power.
03 Uses
These are not textbook cases. They are the reasons people open an account with us, in the order they come up.
01
One card per advertising account. If a network suspends a payment method, the other campaigns keep running. And the card's monthly limit bounds the spend better than a reminder in a calendar.
Google Ads · Meta · TikTok · LinkedIn · X · Reddit
02
One subscription, one card. The day you want it to stop, you freeze the card: the next charge is declined, with no cancellation form and no chasing.
Adobe · Figma · Notion · Slack · GitHub · OpenAI
03
A single-use card for one payment, destroyed straight afterwards. The merchant never gets a reusable number — useful on a site you don't know.
04
Usage-based billing, often in dollars, and sometimes declined for foreign cards. The US BIN settles the second problem; the per-card limit contains the first, the month a configuration goes wrong.
AWS · Google Cloud · Hetzner · OVH · Cloudflare · Vercel
05
Paying without exposing your main bank card. If the merchant is breached one day, what leaks is a number you delete in one click.
Amazon · eBay · Etsy · AliExpress · Shopify
06
The trial that asks for a card "for verification" and turns into a subscription after thirty days. A single-use card ends that conversation.
04 What the card does
Anywhere the network is accepted. Number, expiry and security code visible in your account, copyable field by field.
Add the card to Apple Pay or Google Pay and pay in store with your phone. The terminal cannot tell the difference.
Recurring charges work. You can isolate one subscription on a dedicated card and freeze it the day you want it to stop.
Create a card for one purchase and destroy it afterwards. The merchant never gets a reusable number.
Set a monthly limit card by card. Beyond it the authorisation is declined without exposing the rest of your balance.
One switch, immediate effect on authorisations. Reversible as often as you need.
05 What the card does not do
Better to read this here than discover it at a payment terminal.
| Use case | Status | Why |
|---|---|---|
| ATM withdrawal | No | We issue virtual cards only, and a virtual card cannot withdraw cash. Some contactless ATMs accept a phone wallet, but that depends on the machine and we cannot guarantee anything there. |
| Hotel or rental deposit | Varies | Many businesses require a deferred-debit or credit card. A prepaid card is often refused as a guarantee. |
| Overdraft | Not possible | The balance is prepaid. An authorisation above the available balance is declined — that is the whole principle of the product. |
| Transfer to a bank account | Available | To an account in your own name only. |
| Joint account or card for someone else | Not possible | A card is personal. The holder must be the verified account owner. That is an obligation, not a commercial choice. |
| Anonymous use | Not possible | Customer identification is required before issuance. No regulated issuer avoids it, wherever it is established. |
Nothing forces a choice: one account can carry all three cards, funded from the same balance.