Maximizing ROI with Virtual Cards: A Detailed Guide


This Article was Reviewed by The Chief Editor, Godfrey

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In the fast-paced world of digital advertising, the pursuit of a higher Return on Investment (ROI) is an ongoing challenge. The most straightforward path to enhancing ROI involves a strategy that many experts swear by – reducing expenses. However, the question that often looms large is, “How can one effectively cut costs without compromising on the quality and trustworthiness of payment methods?” In this article, we’ll explore a powerful tool: virtual cards. We will unveil how choosing the right payment instrument can optimize your ROI by up to 30% or even more.

To comprehend the significance of virtual cards, consider this: with a stable 30% ROI on substantial ad spend, you’re already in an excellent position. But imagine increasing this ROI by simply choosing the right payment option.

ROI, represented as the profitability coefficient of your advertising campaign, is calculated using the formula ((Income – Costs) / Costs) x 100%. Here’s where it gets interesting – if you already have a 30% ROI, reducing your costs by just 5% results in a profit increase of more than 20%. Push the cost optimization further to 10%, and you can observe an ROI increase of nearly one and a half times.

Without optimizationOptimized by 5%Optimized by 10%

Virtual cards have emerged as a powerful tool for businesses to optimize spending and enhance expense management. Here’s a comprehensive guide to maximizing your return on investment (ROI) with virtual car. These digital payment instruments are becoming game-changers in the quest for an elevated ROI. To harness their potential, understanding the associated fees is paramount. Virtual card fees, spanning from 1-2% to as high as 14% of your budget, can significantly affect your ROI. Delving into these fees, we can categorize them into four primary types:

  • Account/Card Top-Up Fees: These are charges associated with funding your virtual card.
  • Card Costs: This refers to the expenses tied to the cards themselves.
  • Cashback: Some virtual card providers offer cashback as a reward, which can help mitigate the total fees.
  • Transaction Fees: Excluding international taxes, transaction fees depend on your specific setup and affiliate strategy. These can often be minimized as part of a well-thought-out strategy.

To get a precise grasp of the benefits and fees involved with virtual cards, you can use an interactive calculator. Our research shows that one provider stands out when it comes to optimizing ROI: PST.NET with its Private program. It boasts a total commission rate of just 0.4%, a stark contrast to the 5-13% rates offered by other services. We’ll delve deeper into this later on in the article.

While fees are essential, PST.NET’s offerings extend beyond that. They provide three subscription plans, each packed with lucrative features, including:

  • A Package of Cards: With the ability to renew monthly and offering up to 100 cards, this feature alone can significantly impact your ROI.
  • Top-Up Discount: An advantage that can reach up to 3%, making it more favorable than most other services we’ve compared.
  • Cashback: At a generous rate of 3%, this feature sweetens the deal, offering a potential boost to your ROI.

It’s important to note that the extent of these benefits will directly depend on various conditions. However, we’ve meticulously considered all these factors and provided a comprehensive comparison table to guide you. Whether you’re dealing with typical scenarios or more extreme ones, optimizing fees can have a dramatic impact. For instance, if you’re using a provider with a high decline rate, such as Brocard, which charges $0.5 for every declined transaction, this fee can consume a significant portion of your ad budget due to low advertising responsibility and an incorrect strategy.

There’s also a vital consideration regarding Bank Identification Numbers (BINs). The usage variability of cards is what makes this situation particularly intriguing. BINs are the first six or eight digits in a card number, and their influence on your setup can be profound. Having more BINs at your disposal can mean more opportunities for experimentation and testing, which, in turn, can directly impact your ROI.

Many virtual card providers are expanding their services beyond just offering cards for advertising platforms. They’re now providing customers with tools for a broader range of payment needs, including proxies, design service subscriptions, neural networks, VPS, and more. While the use cases for these cards, even those supporting 3D Secure (3Ds), often remain confined to the realm of marketing, there are exceptions. PST.NET, for example, extends its services to not only specialized cards for affiliate marketing but also for everyday expenses.

One unique facet to consider is the number of BINs offered by a virtual card provider. While most services typically offer product lines with fewer than a dozen positions, PST.NET stands out by providing users with a whopping 25 BINs. This diverse range allows for more experimentation and flexibility in finding the best fit for your setup.


In conclusion, the virtual card market in 2023 is undergoing a transformation. It’s evolving from merely being tools for media buyers to becoming a source of income from traffic. Each provider offers its own unique set of cards, and the trustworthiness of these cards is often regarded as one of the myths in affiliate


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About the Chief Editor

Godfrey Ogbo, the Chief Editor and CEO of AtlanticRide, merges his environmental management expertise with extensive business experience, including in real estate. With a master's degree and a knack for engaging writing, he adeptly covers complex growth and business topics. His analytical approach and business insights enrich the blog, making it a go-to source for readers seeking thoughtful and informed content.

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