6 min
Paying the ad networks
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07 Guides
Pay online with crypto.
Almost no merchant accepts crypto directly. A virtual card bridges the gap: your crypto becomes a payment method accepted everywhere.
In brief
Convert your crypto to a virtual card. The merchant receives a standard card payment. No need for the site to accept Bitcoin or Ethereum — the card works everywhere.
Key facts
- Merchants accepting crypto
- ~2%
- Merchants accepting cards
- ~99%
- Conversion
- real-time
- Fee
- 1.5%
- Currencies
- EUR, USD, HKD
The problem: few sites accept crypto
Fewer than 2% of online merchants accept crypto payments. The reasons are multiple: price volatility, transaction irreversibility, technical complexity of integration. Even e-commerce giants that announced Bitcoin acceptance have often backtracked. The result: you own crypto but can barely spend it directly.
The solution: a virtual card as a bridge
A crypto virtual card solves the problem. You convert your crypto into card balance. The merchant receives a standard card payment — it does not know, and does not need to know, that the money came from crypto. The merchant sees a card number, a CVV, an expiration date: exactly what it expects.
Where it works
Everywhere cards are accepted online. This includes online stores, subscriptions (Netflix, Spotify, iCloud), ad platforms (Google Ads, Meta, TikTok), SaaS tools, cloud services (AWS, DigitalOcean), marketplaces (Amazon, AliExpress). The type of merchant does not matter: if the site accepts a card, it accepts your card.
Fees and exchange rates
The conversion fee is 1.5%. The rate applied is the market rate at the time of top-up. If you use a stablecoin like USDT or USDC, there is no exchange risk between sending and crediting. Blockchain network fees are added but depend on the network — TRC-20 is often the cheapest.
What happens on the crypto side
When you top up, your crypto is sent to a payment address. The conversion is executed and the amount in currency (EUR, USD, or HKD) is credited to your card. This is a final conversion: the crypto does not sit in escrow and is not stored on your behalf. Once the card is loaded, you spend fiat.
Advantages over direct crypto payment
Even when a merchant accepts crypto, direct payment has drawbacks: slow confirmation on some networks, no recourse in case of dispute, no easy refunds. With a card, the transaction is instant, and standard payment network protections apply. The merchant is paid in fiat, and you have a standard transaction record.
The conversion is final. Once your crypto is converted to card balance, it is not possible to convert the balance back to crypto.
→ The other guides
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Choosing your blockchain network
The network changes the cost and the wait more than the asset sent does. Figures compared, and a method.
5 min
Understanding a card's BIN
What the first digits tell the merchant, and why they decide acceptance.
4 min
Spotting a fake card site
Five signals. The first settles it on its own, and a crypto payment cannot be recovered.
7 min
Convert crypto to a card
How the crypto-to-card conversion works, what it costs, and the mistakes to avoid.
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Crypto card without KYC
How to get a crypto card without identity verification: sign-up, how it works, and limits.