Instant and bulk issuance
Issue one card in under five seconds or a batch of up to 1,000 from a CSV with names, BINs and limits pre-set.
Virtual cards for ad spend
Cards your ad accounts can trust.
Visa, Mastercard and UnionPay cards on private BINs. Issued in seconds, topped up with USDT or bank transfer, one balance for the whole team. We publish approval rates for every BIN, so you pick by data, not by promise.
- Unlimited cards, issued instantly
- USDT TRC-20 / ERC-20 and SEPA / SWIFT
- 3DS codes in the dashboard and Telegram
- 0% on declined payments
BIN performance
First-charge approval, last 30 days
BINMetaGoogleTikTok
US Visa · debit
98.4%
98.9%
97.2%
US Mastercard · prepaid
97.1%
98.3%
96.5%
UK Visa · debit
98.0%
98.6%
97.0%
HK UnionPay · prepaid
95.8%
97.4%
98.8%
Updated every 24 h from real transactions
All 31 BINs
- 31 BINsUS, UK, EU, HK, Canada
- < 5 sTo issue a card
- ~10 minUSDT credited to balance
- 0 %Fee on declined payments
BINs
Pick the BIN by the platform you buy on.
Every BIN has a history on every ad platform. We track first-charge approval, 3DS challenge rate and chargebacks per BIN, and we show you the numbers before you issue a card.
| BIN | Country | Type | Meta | TikTok | 3DS | Card price | |
|---|---|---|---|---|---|---|---|
| Visa debit | United States | Debit | 98.4% | 98.9% | 97.2% | Yes | $2.00 |
| Mastercard prepaid | United States | Prepaid | 97.1% | 98.3% | 96.5% | Yes | $1.50 |
| Visa debit | United Kingdom | Debit | 98.0% | 98.6% | 97.0% | Yes | $2.00 |
| Mastercard debit | Lithuania (EU) | Debit | 96.9% | 98.1% | 95.9% | Yes | $1.50 |
| UnionPay prepaid | Hong Kong | Prepaid | 95.8% | 97.4% | 98.8% | Optional | $1.50 |
| Visa prepaid | United States | Prepaid | 98.7% | 99.0% | 97.9% | Yes | $3.00 |
| Mastercard debit | Canada | Debit | 97.5% | 98.2% | 96.8% | Yes | $2.00 |
| UnionPay debit | Hong Kong | Debit | 96.2% | 97.8% | 98.1% | Optional | $1.00 |
Private BINs are used only by Universe Card customers who pass our KYC, so their reputation on ad platforms stays ours to protect. Shared BINs are cheaper and fine for most spend. A BIN that drops below 95% on a platform is pulled from issuance until it recovers.
One balance
Money comes in two ways. It goes out wherever your team needs it.
Top up once. Cards, buyer budgets and payouts all draw from the same balance, in the same ledger, with one statement at the end of the month.
USDT
TRC-20 or ERC-20. Credited in about 10 minutes, from $100.
Bank transfer
SEPA in EUR, SWIFT in USD. Same business day once received.
Team balance
$124,500.00
One ledger. Every top-up, card charge and payout in one export.
Cards
One card per ad account, supplier or subscription.
Buyer budgets
Monthly limits per person. Cards they issue draw from their budget.
Payouts
Pay affiliates and contractors in USDT or by bank from the same balance.
Cards
Built for people who run a hundred cards, not one.
Everything a media-buying team does with cards every day, without a support ticket.
Limits that actually hold
Daily, monthly or total caps per card. Merchant lock to a single platform. Cards on a limit draw from the shared balance; own-balance cards hold their own money.
3DS where you are
Confirmation codes land in the dashboard and in your Telegram bot the second the platform asks. No inbox, no SMS, no waiting for a manager.
Decline forensics
Every decline shows the reason from the issuer: limit, 3DS, merchant risk, platform rule. Filter by card, buyer or BIN and see what to change.
Freeze, close, reissue
Freeze a card in one click, close it and get the balance back to the team instantly, reissue on a different BIN with the same name and limits.
API and sandbox
Issue, fund, freeze and read transactions from your own tools. A sandbox with fake BINs so you can build before you top up.
Team
Every buyer gets a budget. You get the report.
Invite the team with a link. Give each person a monthly budget and a role, and let them issue their own cards inside it.
- Roles: owner, finance, team lead, buyer. Who tops up, who issues, who only sees their own cards.
- Budgets: monthly cap per person. Their cards can't exceed it, whatever the card limit says.
- Reports: spend and decline rate by buyer, card, BIN and period. Export to CSV or pull it from the API.
- Audit log: every issue, freeze, limit change and top-up, with who and when.
Team · September$124,500.00 balance
BuyerBudget usedCardsStatus
DKDmytro K.Team lead · Meta$36,000 / $50,00038 activeOn track
MSMaria S.Buyer · Google$18,200 / $20,00012 active91% used
ALAlex L.Buyer · TikTok$13,100 / $30,00021 activeOn track
OPOlena P.FinanceTops up · views all—No cards
AFAffiliate payout · batch 1427 recipients · USDT TRC-20$41,300.00
JRJ. RodriguesDesigner · SEPA · EUR€2,400.00
NTN. TranMedia buyer · USDT ERC-20$6,000.00
+ Upload CSV · up to 500 recipients
Payouts
Pay the people who make the money, from the balance that holds it.
Affiliates, contractors, freelancers. Send USDT or a bank transfer from the same balance you fund cards with. One CSV for a hundred recipients, one statement for your accountant.
- USDT and bank payouts in one batch, each recipient in the rail they asked for.
- Recipients get an invoice and you get the paperwork, automatically.
- Recipients with a Universe Card account receive instantly and can spend on cards without a second top-up fee.
Pricing
One fee on the way in. Nothing on the way out.
You pay when you top up and when you issue a card. Payments, declines, FX on USD cards, freezes, closures and team seats are free. The rate drops with your monthly volume.
Start
Solo buyers and small teams, up to $30K top-up a month
3%
top-up fee · USDT or bank
- $2 per card, first 10 free
- All shared BINs, 3DS included
- Up to 5 team members
- Telegram support, 24/7
Team Most teams
$30K to $250K top-up a month
2%
top-up fee · USDT or bank
- $1 per card, first 50 free
- Private BINs, all countries
- Unlimited team members, budgets and roles
- API, webhooks, payouts
- Priority support with a named person
Agency
$250K and above a month
1.5%
top-up fee, negotiable at volume
- $0.50 per card, unlimited free reissues
- Reserved BIN capacity, custom BIN on request
- Monthly invoices and statements for your accounting
- Dedicated account manager
- No monthly fee
- 0% on declines
- 0% FX on USD cards, 1% on EUR
- No card maintenance
- Closed-card balance returns instantly
Referral
20% of fees
Bring a team. Earn from every top-up they make.
Share your link. For 12 months, 20% of every top-up fee your referrals pay goes to your balance. No cap, no minimum, paid daily.
Referred team tops up$100,000 / mo
Their fee at 2%$2,000
Your share, 20%$400 / mo
Over 12 months, one team$4,800
Compliance
Boring where it matters.
The reason our BINs keep their approval rates is that we are strict about who is on them. That protects your cards as much as ours.
Verification in about 10 minutes
Passport and a selfie for individuals, company documents for teams. Automated, with a human on the edge cases. Your first cards are live the same day.
Gambling and adult are blocked
MCC 7995 and adult categories are declined at the programme level for everyone. It keeps the BINs clean, which keeps your approval rates up.
Sanctions and transaction monitoring
Screening at onboarding and on every transaction. Nothing you will notice day to day, everything a partner bank expects.
Custody terms in writing
What happens to your balance if a BIN is retired or a partner changes is written into the terms before you top up, not discovered afterwards.
2FA, roles and a full audit log
Two-factor login for everyone, permissions per role, and a log of every action in the account that you can export.
Licensed issuers, real invoices
Cards are issued by licensed partner banks under Visa, Mastercard and UnionPay. Every top-up comes with an invoice your accountant will accept.
Getting started
First card today.
- 01
Create an account
Email and a password. Invite the team later, or right away with a link.
2 minutes - 02
Verify
Passport and selfie, or company documents for a team account. Automated, usually approved in about 10 minutes.
~10 minutes - 03
Top up and issue
Send USDT or a bank transfer, pick a BIN from the board, issue your first cards. The first ones are free.
~10 minutes for USDT to land
FAQ
What buyers ask before they top up.
Something else? Ask on Telegram, a person answers around the clock.
Do the cards work on Facebook, Google and TikTok?
Yes, that is what they are for. Rather than promise, we publish the first-charge approval rate of every BIN on each platform, updated daily. Pick the BIN with the best number for the platform you buy on.
Platforms also score the account and the ad content, not only the card. A clean BIN gives you the best possible start; it does not override a platform's own rules.
Which BINs and countries do you have?
31 BINs across the United States, United Kingdom, EU, Hong Kong and Canada, on Visa, Mastercard and UnionPay, as debit and prepaid. Private BINs are reserved for verified Universe Card customers; shared BINs are cheaper. The full list with live numbers is in the table above and in the dashboard.
How much does a card cost?
$0.50 to $3 depending on the BIN and your plan, and the first cards on every plan are free. There is no monthly fee, no maintenance fee, and no fee on declined payments or closed cards.
How do I top up and what is the minimum?
USDT on TRC-20 or ERC-20 from $100, credited in about 10 minutes after network confirmation. Bank transfer by SEPA in EUR or SWIFT in USD from $500, credited the same business day we receive it. The fee is shown before you confirm.
How does 3DS work?
When a platform asks for 3D Secure, the code appears in the dashboard on the card's page and is pushed to your Telegram bot at the same moment. Whoever owns the card sees it. Codes are kept in the card's history.
Is verification required?
Yes, for everyone, before the first card. It is automated and takes about 10 minutes. Verification is what keeps our BINs clean and is the reason their approval rates hold.
What happens when a payment is declined?
You see the reason from the issuer next to the transaction: limit reached, 3DS not confirmed, merchant category blocked, platform risk rule. Declines cost nothing. If a BIN starts declining on a platform, its rate on the board drops and we pause it from issuance.
Can my team use one account?
Yes. Invite people with a link, give each a role and a monthly budget, and they issue their own cards within it. Finance sees everything; buyers see their own cards. Reports and the audit log cover the whole team.
What can't the cards be used for?
Gambling, adult content, crypto purchases and a short list of other high-risk merchant categories are blocked at the programme level. Advertising for those verticals is allowed where the platform allows it. The full list is in the acceptable use policy.
Is there an API?
Yes, on Team and Agency plans: issue and fund cards, set limits, freeze, read transactions and declines, receive webhooks. A sandbox with test BINs is available so you can integrate before topping up.
Issue your first card in the next 20 minutes.
Create an account, verify, top up with USDT or bank transfer. The first cards are on us.