Monetiro231 services on the ledger · last checked September 12, 2026
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Cards for ad spend
Brocard (MyBrocard)

Brocard (MyBrocard)

Visa · MCSolo buyerTeamAgency
Asks for everythingIssues reported

Before you go. Readers have reported problems with this service.

Brocard is a Kazakh-run card and ad-infrastructure platform built for media-buying teams: one shared team balance, five permission roles, per-card spend caps, a REST API, and agency ad accounts, proxies and mass payouts sold alongside the cards. Its distinctive mechanic is decline-fee cashback — the $0.50 taken on every rejected authorisation is paid back monthly, in full for as long as the company keeps its decline rate under 5%. The dashboard that pays that cashback also enforces it: above a 25% decline rate every card in the company drops into a 24-hour pending lock.

Total, per $100 of ad spend: not published

Neither the balance top-up nor the card top-up is published, so there is no figure to give.

Open mybrocard.comNot a paid link: we earn nothing either way.

Who it is for

Established buying teams with clean decline rates and enough volume to justify a gated onboarding and a three-week, USDT-only exit.

Whether to take Brocard (MyBrocard)

In its favour

  • The first 50 cards per team are free; from the 51st the fee is $2 per card, one-time, and it is charged with the card's first transaction rather than at issuance.
  • Decline fees come back: the $0.50 taken on each rejected authorisation is refunded monthly at 100% while the company decline rate stays under 5%, at 50% between 5% and 10% and at 25% between 10% and 15%.
  • Cards spend from one shared team balance, with a total limit settable from $50 per card and a per-transaction limit of $1,000 by default, both editable in bulk.
  • Five documented permission roles — Company Owner, Admin, Team Leader, Farmer, Buyer — plus transfers between members and between teams and decline-rate dashboards over 7 and 30 days.
  • A public REST API covering balance, cards, BINs, payments, refunds, top-ups, users and transfers, webhooks for payments and for 3DS codes, and one-click .xls export of payment groupings.
  • Deposits in USDT (TRC20 and ERC20), USDC, BTC, ETH, LTC and TRX, with SWIFT/SEPA open to legal entities under contract and direct payouts from affiliate networks.

Against it

  • The Trustpilot profile stands at 2.1 out of 5 across 24 reviews, one of which describes an account blocked with a balance still inside, and the Russian aggregator crmindex records unanswered support tickets and account activations stretching to about two weeks.
  • The restrictions page sets a non-refundable penalty of 30% of the transaction value plus account deactivation for prohibited MCCs, forfeits money left on a deactivated card for more than 30 days, and warns that incoming P2P transfers "may result in the permanent loss of funds".
  • The help centre's withdrawal article documents one exit and no other: USDT TRC-20, by support ticket, from the team owner alone, up to three weeks, $5 below $100 and free above it — crmindex reviewers name that three-week wait as their main complaint.
  • Decline rates are policed hard: above 25% every card in the company goes into a 24-hour pending lock, above 50% the ability to block cards is switched off, and the terms list a consistently high decline rate as grounds for suspension without prior notice.
  • Top-up pricing is published, but only on /prices — a page the navigation does not link, reachable through sitemap.xml and still bylined "© 2020-2022" — which lists "commissions from 2%", WIRE at 3% and USDT at 4%; the help centre's commissions article names no top-up rate at all, the Telegram channel says "from 3%", a live test by fb-killa measured 7.8% all-in and decenter measured up to 11.2% through Capitalist.
  • Card access is gated behind a manager chat about monthly spend, team size and where the customer heard of the service, with terms shared only afterwards; KYC then requires an identity document and a camera liveness check and is closed to citizens of 26 countries, and while the help centre's KYC-restrictions article lets 25 of them — Russia, Belarus and Canada included — still qualify by proving an address outside the listed country, it names the United States as the single exception with no such route.
  • Beyond the MCC table, the terms of service themselves name the merchants a card may not pay — gambling and betting, 18+, dating and escort services, cryptocurrencies, tokens and NFTs, exchanges and brokers, third-party gift and prepaid cards, and any Russian service or transaction inside Russia — each carrying that same 30% penalty, so the card that funds a gambling campaign cannot also top up a wallet, an exchange or a dating account.
  • No payment or e-money licence is named in any of the six legal documents on mybrocard.com — terms and conditions, term of service, AML policy, privacy policy, restrictions and cookie policy — nor in the help centre, which credits the decline fee to unnamed "partner banks"; the AML policy cites Canada's Proceeds of Crime (Money Laundering) and Terrorist Financing Act although the operator is a Kazakh partnership that bars Canadian citizens from KYC, and the help centre's FAQ answers Meta's demand for proof of card ownership with "we won't be able to provide a statement".

What Brocard (MyBrocard) charges

To issue a card$2
Per declined payment$0.50

Not published: balance top-up, card top-up, per transaction, outside the card's currency, monthly, minimum top-up.

Only the per-card numbers are fixed and published. The help centre states that the first 50 cards per team are free and that from the 51st the issuance fee is "$2 per card (onetime payment)", charged with the card's first transaction; each declined authorisation costs $0.50, which the same article notes can reach about $15 on a single Facebook bill because Meta retries up to thirty times, and those decline fees are refunded monthly at 100%, 50% and 25% for company decline rates below 5%, of 5-10% and of 10-15%. Top-up pricing is published, but only on /prices, a page the navigation does not link and that is still bylined "© 2020-2022": "commissions from 2%", WIRE 3%, USDT 4%, and on the Russian twin Marketcall 2%. Little corroborates it — the help centre's commissions article names no top-up rate, the Telegram channel says "from 3%", the API documentation's top-up-methods example returns 1% to 3.5% depending on the rail, third-party partner listings repeat USDT 4-4.5% and Capitalist 7%, one live test measured 7.8% all-in and another 11.2% through Capitalist — so the 4% recorded here is the provider's own published USDT figure and not a measured all-in cost. The separate service account used for proxies, agency cabinets and mass payouts is the only balance the help centre calls commission-free. Conversion is set per BIN and shown in the "more details" box at issuance and in the commission object of the public API, where a sample BIN returns "1.1%" for non-USA payments — the provider's own BIN announcements run from 0% on US payments with a US BIN to 2% on non-USD payments with the Estonian one — so there is no single FX rate either. The minimum deposit is $250 for a card account and $100 for the service account in one help-centre article, and $500 in another and in the site FAQ. Four optional service packages (Growth $69-299, Business $549-1,499, Business+ $2,549-5,249, Enterprise $8,619-29,999 a month) appear only in a June 2026 Telegram post; the site's one pricing page, /prices, lists top-up methods and nothing else. Withdrawals below $100 cost $5 and are free above that. Agency ad accounts are priced separately: the sales page promises "fees starting at 2%", while the help centre's agency terms page lists a Facebook USA cabinet at 7%, a Google Czech cabinet at 10% and a Telegram Ads crypto cabinet at 33%.

The platforms it names

Brocard (MyBrocard) names 6 platforms it is built for. A service is listed under a platform only where it says so itself — not where a review says it for them.

  • Meta Ads
  • Google Ads
  • TikTok Ads
  • Microsoft Ads
  • Telegram Ads
  • Yandex Direct

How it works

BINsUS, GB, EE +2
CardsUnlimited
3D SecureEmail
Getting inManual review

Where Brocard (MyBrocard) contradicts itself

11 places where the provider's own pages disagree with each other. Nothing here is our judgement — each line quotes both sides.

  • The minimum deposit is given as $250 for a card account and $100 for the service account in the help centre's top-up article, and as $500 in the help centre's own FAQ article and in the FAQ on mybrocard.com.
  • The homepage advertises "30+ bins" and "over 30 BINs" while the help centre says "more than 20 different types of cards (BINs)" in its virtual-cards article and "more than 25 BINs" in its FAQ.
  • BIN geography is stated differently on every page: the help-centre FAQ says USA, Colombia, Estonia and Hong Kong, the website FAQ says USA, UK, Europe and Hong Kong, a 2025 Telegram support post added Latvia and Denmark, and a July 2026 Telegram post says "4 GEO".
  • The homepage claims cards on "Visa, Mastercard or American Express" in one block and "30+ bins, Visa or MasterCard" in its hero, while the help centre lists the card payment systems as Visa and Mastercard only.
  • The homepage states that all cards come with 3D Secure support, while the help centre says only "some of the cards have 3DS" and individual BIN announcements advertise automatic 3DS on some BINs and no 3DS at all on others.
  • The help centre calls identity verification mandatory for cards, while a July 2025 post in the provider's Telegram channel says the company owner can unlock the cards section by completing either onboarding or KYC.
  • A provider Telegram post advertises "$0 for card maintenance and top-ups", while the help centre's account-types article describes card issuance and maintenance fees being debited from the card account.
  • The agency-accounts sales page promises "fees starting at 2%", while the help centre's agency terms page lists no cabinet below 7%.
  • The footer dates the operation "© 2020–2026 CIT LLP" and a Telegram post claims six years on the market, while the domain was registered in June 2021 and the Kazakh partnership's own company number, 220440014920, encodes an April 2022 registration.
  • Claimed user numbers range from 10,000 to 30,000 to 60,000 to "100,000+" across the homepage, the Telegram channel and partner pages.
  • The /prices page puts top-up at "commissions from 2%" with WIRE at 3% and USDT at 4%, while the public API documentation's top-up-methods example returns 1% for direct USDT TRC-20, 1.5% for ERC-20, 3.5% through the crypto gateway and 0% for a bank wire, on minimums of $50 to $500 that match neither the $250 and $100 of the help centre nor the $500 of the site FAQ.

How we checked

Every figure on this page was read off mybrocard.com on 12 August 2026. Where Brocard (MyBrocard) publishes nothing, this page prints a dash rather than an estimate.

Operated byCIT LLP
Registered inKazakhstan
LicenceKazakh company registration no. 220440014920 — no payment or e-money licence disclosed
Open mybrocard.comNot a paid link: we earn nothing either way.