Cards for ad spend
e.PN
e.PNe.PN
Visa · MCSolo buyerTeamAgencyAsks for everythingIssues reported
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e.PN sells virtual Visa and Mastercard cards built around advertising spend: the account wallet is funded by cryptocurrency only, cards are issued instantly from a claimed 102-plus BINs across 36 issuing banks in the United States, Europe and Latin America, and a tool in the dashboard reports which of those BINs recently succeeded on Facebook, Google or TikTok. Pricing runs on a five-step grade ladder tied to 30-day spend, so the card price and the top-up commission fall as volume grows, which favours continuous buyers over occasional ones. The June 2026 rule refresh turned it into a fully verified product and closed it to 28 jurisdictions.
Total, per $100 of ad spend: ≥$6.70per $100 of ad spend
At least one component of the price is not published, so the real figure can only be higher.
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Who it is for
Buying teams with a large rolling spend that treat the balance as a payment buffer rather than storage and can pass a full document check.
Whether to take e.PN
In its favour
- Pricing is published in more detail than most of this segment manages: the five-step grade table (card top-up 6.7% down to 3%, card price $4 down to $2) sits on the homepage, and the June 2026 Virtual Card supplement lists decline, cross-border, refund and reverse fees in a numbered table.
- More than 102 BINs across 36 issuing banks in the United States, Europe and Latin America, with a tool inside the dashboard that shows which BINs recently went through on Facebook, Google or TikTok.
- Cards are issued immediately and take a minimum of $1 each, so a modest balance can be spread across many cards instead of being parked on one.
- 3DS codes arrive in e.PN's own iOS and Android app rather than to a phone number the buyer does not control.
- A Teams module — participants, a team transaction feed, invitations, transfers, and member top-up requests the owner approves or cancels — plus per-card auto-top-up and API access once verification is done.
- Interface and support in 33 languages, with support stated as running 24/7.
Against it
- Accounts blocked with a balance inside are reported across four independent venues: an r/Scams thread from May 2025 describing a $100 deposit that produced no card, Trustpilot one-star reviews describing $3,000 lost after a month of work, Partnerkin reviewers whose accounts closed shortly after they complained that the cards were declining, and crmindex reviews describing the same pattern.
- Money goes in easily and comes out slowly: withdrawal costs 5% with a $100 minimum, a deposit can only be withdrawn within 30 days of arriving, and moving funds from a card back to the account balance takes up to 30 days.
- The Terms guarantee only the main wallet and not the funds sitting on issued cards, provide no chargeback or dispute-recovery service at all, forfeit unclaimed money one year after an account closes, and allow a penalty of up to 100% of any debt left unsettled for three hours.
- Fees exist that no pricing page shows: a 13% special-BIN top-up surcharge and a $0.70 additional processing charge appear only in the June 2026 legal PDF, the Terms point at a commission list that is not published, and any fee can be re-debited for ten calendar days after the transaction settles.
- A new account starts on the most expensive rung — 6.7% per card top-up and $4 per card — and the 3% / $2 rung requires $100,000 of spend in a rolling 30 days; declines are billed from the first one at $0.10 to $0.40 with no free allowance, and successful domestic transactions carry $0.20 to $0.30 on top.
- Verification became mandatory in the June 2026 policy refresh — government ID, proof of address usually under three months old, an SMS code and a selfie or liveness check before a card can be issued, funded or used — and 28 jurisdictions including the United States, Russia, Belarus, Ukraine and Hong Kong are refused outright.
- Operational traps are written into the rules: a card whose renewal fee goes unpaid is blocked "without further possibility to unblock it", a merchant blacklist naming Starlink, Twilio SendGrid, Skrill, ZEN.COM, Chevron and Exxon is described as non-exhaustive and changeable without notice with penalties set by e.PN alone, and the operator is an unlicensed Seychelles company with no named people whose disputes go to arbitration in London.
- Most of the verticals affiliates actually run are banned outright: the FAQ forbids paying for gambling, betting and dating services, buying cryptocurrency, topping up payment-system, brokerage and foreign-exchange accounts and sending money to cards of other banks, while Appendix 1 of the Terms adds adult content, escort services, prescription pharmaceuticals, weapons and cash-out activity — and the stated consequence is that "your account will be blocked without the right to a refund", with a fine whose size e.PN sets alone.
What e.PN charges
Card top-up6.7%
To issue a card$4
Monthly$4
Per declined payment$0.10
Minimum top-up$50
Not published: balance top-up, per transaction, outside the card's currency.
The grade ladder is on the homepage and repeated in the FAQ: Standard, available on registration, charges 6.7% to load a card and $4 to issue one; Silver at $1,000 of 30-day spend is 6% and $3.50; Gold at $10,000 is 5% and $3; Platinum at $50,000 is 4% and $2.50; Black at $100,000 is 3% and $2. The FAQ puts the card's upkeep at "$2 to $4 per month"; the supplement says the renewal fee is charged three days before the renewal date and the card is blocked if the balance is short on the third day. The June 2026 Virtual Card supplement adds the bank-side table: domestic declines $0.10 to $0.30 and international declines $0.20 to $0.40, applied to every recorded decline with no free allowance; successful domestic transactions $0.20 to $0.30 fixed; international refunds $0.50 + 1% and international reverses $0.20 to $0.80. Cross-border pricing is quoted as "$0.50 + 1.2% or 2% – 3% model or $0.70 fixed" depending on the BIN and shown only before a card is issued, so there is no single conversion percentage to record. The minimum deposit to the account is $50 and the minimum to a card is $1; withdrawal costs 5% with a $100 floor. Not published anywhere: what it costs to move crypto into the wallet, which coins and chains are accepted, and the commission list the Terms refer to — while the same PDF carries a 13% special-BIN top-up surcharge and a $0.70 additional processing charge that appear on no pricing page. One Partnerkin reviewer reports being charged $5 on a deposit and told that the documented figure was 1%; neither number appears on the site.
The platforms it names
e.PN 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
- X Ads
- Taboola
How it works
BINs102 · US
CardsUnlimited
3D SecureIn dashboard
Getting inOpen signup
Support24/7
Where e.PN contradicts itself
4 places where the provider's own pages disagree with each other. Nothing here is our judgement — each line quotes both sides.
- The FAQ presents verification as an optional upgrade that unlocks "unlimited card issuance and access to additional BINs", while the KYC Policy on the same site states that no card product can be bought, issued, funded or used until verification has been completed.
- The Terms send buyers to a "Commission List on our website" that exists on no page, and the June 2026 Virtual Card supplement contains a 13% special-BIN top-up surcharge and a $0.70 additional processing charge that appear on none of the published pricing pages.
- The public geo-block notice lists 28 unavailable jurisdictions, while the KYC Policy adds a further set of restricted ones — Albania, Bosnia and Herzegovina, Canada, Kosovo, Montenegro, North Macedonia, Serbia, Puerto Rico and Guam among them — that the notice never mentions.
- The FAQ says a deposit can be withdrawn within 30 days of the date it was made and, in a separate answer, that moving funds from a card back to the account balance takes up to 30 days, so money already loaded onto a card can fall outside its own withdrawal window.
How we checked
Every figure on this page was read off e.pn on 12 August 2026. Where e.PN publishes nothing, this page prints a dash rather than an estimate.
Operated byDigital Waves LTD
Registered inSeychelles
Open e.pnNot a paid link: we earn nothing either way.