Virtual cards for TikTok ads: advertising trends to watch in 2025

TikTok Ads is no longer a marketing experiment—it’s now a central pillar of lead generation, particularly among audiences under 35. For marketers, media buyers, and performance advertising professionals, the question is no longer whether to advertise on TikTok, but how to pay for traffic reliably—without account blocks, payment delays, or campaign disruptions.

The answer lies in virtual cards. Not just any, but those tailored to the operational realities of 2025. Not every card will pass moderation. Not every card can handle high-frequency top-ups or withstand spending thresholds. And not every card will integrate seamlessly with TikTok Business Manager’s systems. One wrong step doesn’t just mean wasted budget — it can mean missed deadlines, lost leads, and strained conversations with clients.

The market for ad payment solutions is evolving. Traditional offline bank cards are becoming obsolete due to tight limits, fraud-related blocks, and poor compatibility with international ad accounts. In their place, a new generation of virtual cards has emerged, featuring flexible issuance, multi-currency support, advanced spending analytics, and protection from suspicious charges.

These cards are designed not for general e-commerce purchases, but for the demands of media buying. They allow for parallel campaign launches, agile testing of advertising hypotheses, and segmented budget management. Each card acts as an individual channel within your sales funnel. The sooner media buyers understand this, the more consistent their campaign performance becomes.

Whether you’re part of an agency or running campaigns independently, these cards remove dependency on domestic banking systems, simplify financial reporting, and reduce operational risk. And if you’re still building out your internal payments infrastructure—virtual cards are non-negotiable.

This guide explores three virtual card providers that are solving real problems for media buyers in 2025: Spend.net, Combo.cards, and Anybill (Abcard). We’ll look at their funding options, currency support, crypto compatibility, and how they facilitate smooth budget management.

1.   Spend.net

Spend.net is a financial platform specialising in virtual Visa and Mastercard products, with dedicated cards built specifically for media buying on popular platforms. All Spend.net cards include a built-in 2% cashback on advertising spend, credited automatically and viewable in your dashboard. Card issuance is completely free of charge.

Top-up fees are customisable, you simply select your preferred commission rate when funding the card. All expenditures are fully transparent, with no fees for issuing cards, transactions, currency conversions, withdrawals, or internal transfers.

Key features:

• BINs: 20 unique BINs to minimise payment risks
• Team features: Role assignment and task delegation
• Spending analytics: Exportable CSV and XLS financial reports
• Security: 3D Secure technology
• Crypto support: USDT, BTC
• Registration: Via Google account or email
• Support: 24/7 live chat assistance

2.  Combo cards

Combo.cards is a virtual card provider designed specifically for media buying, offering full support for Visa and Mastercard payments. The platform incorporates AI technology, including a virtual support assistant available on-site for instant guidance.

New users can issue up to 20 advertising cards free of charge. Subsequent cards are priced between $1 and $3, with additional service fees. Combo.cards also supports affiliate programme payouts, developer account services for Apple Store and Google Play, as well as global bank transfers.

Key features:

• BINs: Start with 5 BINs; scalable up to 30 with consistent ad spend. BINs are from banks in the US, UK, Estonia, Switzerland, and Colombia.
• Transaction fees: Zero fees for transactions and declines; minimal fees for other operations
• Top-up fees: 3% to 5%
• Funding options: Crypto wallet (USDT TRC20, BTC), AdCombo balance transfers
• Security: 3D Secure, Two-Factor Authentication
• Team collaboration: Invite team members and assign roles
• Analytics: Basic transaction summaries in user dashboard
• Registration: Submit online form, verify identity, and wait for system approval (up to 72 hours)
• Support: 24/7 AI-driven support available on the website

3.   Abcard

Abcard offers virtual cards with adaptable limits and seamless crypto top-ups, ideal for TikTok Ads and other digital ad platforms. The primary benefit of Anybill is transaction reliability. The platform ensures that ad account debits match the stated amount exactly—no surprise fees. However, failed transactions are closely monitored, and repeated declines may incur penalties.

While the top-up fee can reach up to 4.5% — on the higher end of the market, this is offset by superior stability and throughput, particularly on platforms where other cards frequently fail.

Key features:

• BINs: 7 BINs registered in the UK, US, and Estonia to reduce declines
• Top-ups: Accepts USDT (TRC20, ERC20)
• Transaction fees: None
• Team features: Manage multiple cards within a team dashboard
• Spending reports: Detailed CSV-format transaction records
• Registration: Fast sign-up via Telegram bot
• Support: Round-the-clock via live chat or email

Why TikTok ads requires dedicated payment solutions

TikTok employs its own internal system for card verification. This system may reject a payment if the card doesn’t meet its criteria. Common causes include an unsuitable BIN, lack of issuer data, or registration in a “non-compliant” jurisdiction.

The consequences can be serious:

• the payment fails
• the ad campaign is suspended
• the account is flagged for manual review
• funds are returned with delays

If a media buyer overlooks these specifics, their campaign may be interrupted without warning. To avoid such disruptions, it’s essential to use cards with the right characteristics. Key attributes include the BIN’s country of origin (ideally the US or Europe), the card type (corporate or prepaid), and how quickly the card can be issued and managed.

Speed is critical when a card needs replacing urgently, a new ad account must be launched, or existing traffic levels must be maintained. In such cases, the service must be capable of issuing a card within minutes — without prolonged verification or delays.

How virtual cards solve key challenges in media buying

In the world of media buying, a single card rarely suffices. Assigning a dedicated card to each campaign, project, or advertising account simplifies operations and offers:

• precise budget control
• the ability to suspend one card without halting the entire system
• project-level transaction analytics

For teams managing multiple ad accounts, it’s easy to assign cards to individual team members. Limits, regions, expiry dates, and currencies can all be tailored to suit specific roles. This setup reduces the risk of error, enhances transparency, and provides greater operational control.

Some providers such as Spend.net, Combo Cards, and AnyBill, add additional features like analytics, tagging, and transaction reports. These help media buyers quickly track spend without manually searching through records.

Conclusion

TikTok Ads demands stable, reliable, and predictable payment methods. If a card fails, the campaign halts, traffic is lost, and the budget goes to waste. To prevent this, media buyers need tools that are fast, transparent, and built for performance.

Virtual cards are the solution. They allow for budget separation, project-specific expense control, and seamless card replacement without downtime. The key is selecting a provider that is compatible with TikTok’s systems and won’t trigger unnecessary blocks.

Spend.net, Combo Cards, and AnyBill offer three solid options for running uninterrupted ad campaigns. Each serves a distinct purpose—whether it’s supporting large-scale launches, providing detailed analytics, or accepting crypto funding. Testing them is the best way to find the right fit for your workflow.

A payment service should empower your campaigns, not hinder them. When it works seamlessly, you’re free to focus on what truly matters: creative strategy, audience growth, and scalable success. Everything else is just technical detail.