Monetiro231 services on the ledger · last checked September 12, 2026
ENRU
Who forTake it?CostsPlatformsHow it worksContradictionsHow we checked
Cards for ad spend
Multicards

Multicards

Visa · MCsince 2022Solo buyerTeamAgency
Asks for a light checkIssues reported

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

Multicards is a virtual-card service for affiliate media buying that is sold almost entirely through Telegram: the website is a single-screen app with no pricing page, FAQ or documentation, and each BIN is announced in the provider's channel with its own tariff, so the cost is chosen per BIN rather than per plan. Cards are contractually restricted to advertising accounts — the dashboard warns that paying anything else blocks the account and the funds — and the Apple/Google Pay tier, called 'Pay Anywhere' in Telegram and 'Pay Everywhere' in the app, additionally requires a passport or ID, a selfie and a liveness check passed by the team owner. The rest of the product is built around teams: roles, per-buyer card caps, card transfers between members and CSV/XLS exports, although the team section only opens when an account manager unlocks it.

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 multicards.ioNot a paid link: we earn nothing either way.

Who it is for

Affiliate teams already living in Telegram who want per-BIN tariffs and role-based controls, and who accept an operator that names no legal entity.

Whether to take Multicards

In its favour

  • Card issuance is fixed in the contract itself — 'Card issuing fee is 2 EUR or 2 USD' — and the provider states that card maintenance is free
  • Every BIN is announced publicly in the provider's own Telegram channel with its own transaction percentage, international surcharge, issue price and decline terms; the US Platinum group was posted on 12 August 2026 at 2% / 3% / $2
  • The team layer is specific: Owner, Teamlead, Mediabuyer and Accountant roles, a cap on active cards per member, automatic top-up of a buyer's balance, and automatic return of the remainder to the team lead when a buyer is removed
  • Cards, transactions, cash flow and statistics export to CSV and XLS, grouped by date, media buyer or team lead; an API exists, with documentation issued by support on request
  • 3-D Secure codes are shown in the dashboard, and an optional Telegram bot duplicates them and forwards Facebook and Google card-authorisation codes
  • Funding is USDT on Tron directly, plus wire transfer and Capitalist in USD, EUR, USDT or BTC

Against it

  • No legal entity is named anywhere in the provider's own documents: neither the Terms of Use nor the Privacy Policy gives a company, address or registration number, and the privacy policy's 'Details of the Data Controller' section contains nothing but a support email — in a document that claims GDPR lawful bases, biometric liveness checks and AML duties
  • The terms allow both the account and the money in it to be taken: the app warns that 'your account and funds will be blocked' if cards pay for anything other than ad platforms, and clause 2.5 blocks the account 'without any refunds or reimbursements' for exploiting the Facebook first-bill delay; other refunds are manual only, by support ticket, to the original method, minus payment-system commission
  • A Partnerkin reviewer describes an account compromise in which a balance of about $8 was allowed to run roughly $200 negative, support answered nothing between 3 June and 29 July, and then contacted the user to demand repayment of the 'debt'; a second Partnerkin reviewer, who reports spending over $60,000 across about 15 BINs, cites slow support and the $3 issue price
  • The provider's own channel logged a site-wide hosting outage on 3 August 2026 and payment plus card-issuance failures on the Vidar and Magnus BINs on 11–12 August 2026, and support moved across three different Telegram handles inside two weeks in spring 2026
  • Nothing is priced on the website: the sitemap contains only the landing page, login, sign-up and password reset, all tariffs live in Telegram posts or behind the login, the API documentation is 'contact support', and the Terms of Use PDF is dated 21 March 2023 while BIN pricing changes monthly
  • The account is unusable until a manual Telegram interview approves it, a Telegram handle is a mandatory sign-up field, and the Team and Referral sections stay locked until an account manager opens them
  • Cards freeze after two weeks without a transaction and close after a month on the Odin BIN, declines above 15% of transaction volume trigger fees and automatic suspension, and every member of a team is held equally responsible for another member's violation
  • Whole verticals are banned, not just risky merchants: clause 2.16 prohibits 'illegal substances (any kind including pharma and adult nutra)' and 'weapons (any kind)', and cards on the SunRate BIN programme carry an in-app notice banning 'Gambling/Betting, Adult Websites/Adult content', dating (MCC 7273), cigars and tobacco, 'Quasi Cash/crypto' and wire transfer money orders (MCC 4829), with card blocking as the stated consequence

What Multicards charges

Per transaction2%
To issue a card$2
MonthlyFree
Minimum top-up$200

Not published: balance top-up, card top-up, outside the card's currency, per declined payment.

The contract fixes card issuance at 2 EUR or 2 USD and the provider advertises free card maintenance and 'No Decline fees'; the BIN announcements contradict both, pricing the UK, Hong Kong, Anubis and Pay Anywhere cards at $3 and attaching $0.35 per declined transaction to the Emerald (USD) BIN, so neither the decline fee nor a single issue price can be stated as one number. Transaction fees are advertised as 'starting from 0%', but every announced BIN is 2% or 3%, which makes 2% the lowest rate a new account can actually reach. International surcharges sit on top and depend on the BIN: 3% on most US BINs, 1% on Anubis (Belgium, USD), 2% on the Apple/Google Pay group, with fixed per-operation charges of $0.25 on the UK and Hong Kong BINs, $0.30 on Pay Anywhere and $0.50 on Anubis for payments in other currencies — and those terms are revised over time, so the figure is left unstated rather than quoted from one post. The deposit fee is the number the provider does not publish: the terms say only 'from 0% to 5% and depends on the payment method', Telegram posts quote 3% for USDT and 3.5% for Capitalist, an independent test at traffhub.media measured 4.3%, and the live fee endpoints require a login. The account minimum is USD 200 under clause 3.2, with a separate 50 EUR minimum to issue a card under clause 2.6; card balances can go negative on international fees, and commission on cancelled transactions is not refunded.

The platforms it names

Multicards names 3 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

How it works

BINsUS, GB, BE +1
CardsUnlimited
3D SecureIn dashboard
Getting inManual review

Where Multicards contradicts itself

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

  • The top-up fee is stated as two different things: the Terms of Use say the replenishment commission 'ranges from 0% to 5% and depends on the payment method', while the provider's Telegram channel quotes 3% for USDT and 3.5% for Capitalist.
  • The English Telegram channel advertises 'No Decline fees', but the Emerald (USD) BIN was announced by the same channel with '$0.35 per declined transaction'.
  • The same channel advertises 'Transaction fees starting from 0%', while every BIN the provider has ever announced — Emerald, Aphrodite, Anubis, Hydra, Phoenix, Titan, the Pay Anywhere set, US Platinum — was announced at 2% or 3%.
  • The Terms of Use fix card issuance at '2 EUR or 2 USD', but the live BIN announcements price the UK, Hong Kong, Anubis and Pay Anywhere cards at $3.
  • The Terms of Use state that the 'Number of cards per User is unlimited', while the in-app onboarding tells a new account that 'Basically only balance cards are available. If you want to open limit cards, contact your account manager.'
  • One English Telegram post claims 'over 80 stable BINs across 6 GEOs like USA, UK, Estonia' and, three lines later, '80 BINs across 5 GEOs'; no Estonian BIN has ever appeared in either the Russian or the English channel, and third-party lists substitute Turkey or Germany instead.
  • Per-BIN terms are revised without the older post being withdrawn: Phoenix and Hydra were announced with a 2% international surcharge in March 2024 and re-announced with 3% in August 2025, and both posts are still live.
  • The user count differs on every provider surface: '10.5k+' in the live site bundle, '21 000+' in the indexed Russian landing page, and 'Join 30,000+ affiliates' in the English Telegram channel.

How we checked

Every figure on this page was read off multicards.io on 12 August 2026. Where Multicards publishes nothing, this page prints a dash rather than an estimate.

Open multicards.ioNot a paid link: we earn nothing either way.