Monetiro231 services on the ledger · last checked September 12, 2026
ENRU
≥$4.00/$100
Who forTake it?CostsPlatformsHow it worksContradictionsHow we checked
Cards for ad spend
Pay2.House

Pay2.House

Visa · MCsince 2023Solo buyerTeamAgency
Asks for a light checkIssues reported

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

Pay2.House is a self-serve virtual-card and multi-currency wallet (USD, EUR, USDT) run alongside Push.House and Cloaking.House and aimed at media buyers, CPA teams and agencies. Standard cards are issued without documents, a "My Teams" layer gives each buyer a sub-account with its own balances, statements and authorisation log, and a public REST API issues cards in bulk. A public payment-services page maps BIN masks to named merchants, so a buyer can see which BIN is intended for which service before opening an account.

Total, per $100 of ad spend: ≥$4.00per $100 of ad spend

At least one component of the price is not published, so the real figure can only be higher.

Open pay2.houseNot a paid link: we earn nothing either way.

Who it is for

Buying teams that need sub-accounts, bulk issuance and an API, and can price in a 14-day money lock plus per-payment fees the tariff never states.

Whether to take Pay2.House

In its favour

  • The tariff page publishes the core numbers: 5 USD/EUR per card issued, 5 USD/EUR per card per month, 4% to move money from the account balance onto a card, 3% to move it back, and a 20% issuance discount from 100 cards.
  • Deposits in USDT (TRC20) and from Capitalist carry no fee, and transfers to Push.House and Cloaking.House accounts are free as well.
  • Card count is not capped — one active card per 50 USD/EUR/USDT held on the balance — and a card top-up lands within 2-3 minutes.
  • 3DS never depends on a SIM: a static 3DS password and the one-time codes sit on the card page and in that card's transaction history, the API returns them, and the guides document where Meta's 4-digit METAPAY code appears.
  • The team layer is concrete: named teams, per-member sub-accounts with separate USD, EUR and USDT balances, statements, per-member card and transaction history, an authorisation log showing devices and IPs, and one-click removal.
  • Public REST API and webhook documentation cover the BIN list, issuing, top-up, refund, block, close, operation history and confirmation codes.

Against it

  • No legal entity is named anywhere — no company, registration number, address, jurisdiction, governing law or licence on the about, contacts, terms, privacy or AML pages; contact is four Telegram first names and a support address, and disputes are "resolved in accordance with the procedure established by the Pay2.House Administration".
  • The per-payment cost is not published: the webhook documentation defines an authorisation fee, a declined-authorisation fee, a currency-conversion fee and an out-of-whitelist fee without pricing any of them, while the business-solutions page advertises "no hidden transaction fees".
  • Money is locked by design — refunds and card closure are possible only 14 days after the last transaction, a decline counts as a transaction, and part of the balance is frozen at $10 per active card plus $2 per remaining day (the provider's own worked example is $38 on a single card); new accounts cannot self-refund at all until support reviews them.
  • Terms of Service 12.2 freezes the entire account balance on any access block "until the circumstances are clarified", with no deadline and no appeal, and clause 1.4 lets the terms change "at any time without prior notice".
  • A hard 35% maximum decline rate applies, and a Russian video review adds that accounts with too many declines are refused service — that refusal is documented nowhere on the site.
  • Users in the official Telegram group report a card blocked with funds not refunded and no reply from support (July 2026), a card stuck in awaiting status after the $5 issuance fee had been charged (August 2026), and one accusation of absconding; support answers in public but moves every case into direct messages.
  • There is no Trustpilot profile and no independent forum coverage: every findable review sits on affiliate media — Partnerkin, ZorbasMedia, AffTrends, Mobidea, RichAds — several carrying identical testimonial text and referral links, under a programme that pays 33% of revenue for life.
  • Cards never refill themselves: the provider's own FAQ guide states that each card has to be topped up separately and that "funds are not automatically deducted from the general balance", so a card that empties overnight stops paying until somebody moves money onto it by hand — at 4% every time.

What Pay2.House charges

Balance top-upFree
Card top-up4%
To issue a card$5
Monthly$5
Minimum top-up$50

Not published: per transaction, outside the card's currency, per declined payment.

The tariff page publishes six lines and no more: card issuance 5 USD/EUR, monthly card maintenance 5 USD/EUR, minimum card top-up 50 USD/EUR, 4% to top a card up from the Pay2.House account, 3% to refund from the card back to the account, and a 20% discount on issuance from 100 cards. Account deposits in USDT (TRC20) and from Capitalist are free; getting money out costs 8 USDT + 0.5% to TRC20 or 1% (minimum 1 USD/EUR) to Capitalist, while transfers to Push.House and Cloaking.House cost nothing. Wire, SWIFT and SEPA start at $5,000. What the tariff does not contain is the cost of a payment: the webhook documentation defines an authorisation fee, a declined-authorisation fee, a currency-conversion fee and an out-of-whitelist fee and prices none of them, so transaction percentage, FX and decline fees are recorded here as not published. Staff in the official Telegram group quoted 0.25 USD + 1.9% per successful payment on Estonia Visa, 0.25 USD + 2.4% on Hong Kong Mastercard and 0.25 USD per decline, and a Russian video review repeats the 0.25 figure; none of it appears on the site, and taken at face value it puts the all-in cost near 6-7% rather than the published 4%. The homepage's "Top-up from 2%" is not in the tariff either — that rate and the $15 welcome bonus are handed out by a manager over Telegram.

The platforms it names

Pay2.House names 8 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
  • LinkedIn
  • Taboola
  • Outbrain

How it works

BINsEE, HK, SG +1
CardsUnlimited
3D SecureIn dashboard
Getting inOpen signup

Where Pay2.House contradicts itself

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

  • The tariff page lists card issuance at 5 USD/EUR, while the schema.org markup on the contacts page answers "What is the minimum cost of a card?" with "You can get a virtual card starting from just $1".
  • The homepage, the advertising-cards page and the team-cards page all advertise "Top-up from 2%", while the tariff page states the card top-up fee is 4% and no 2% tier appears in the published pricing.
  • The team-cards page offers to "Set limits for each card and control the team's overall budget", while the provider's own FAQ guide states "Card limits cannot be set. Spending is controlled through manual top-ups."
  • The AML policy claims "complete verification of the identity of all our clients before conducting financial transactions", while the registration guide states that Standard virtual cards are available without any verification.
  • The homepage claims more than 50 BINs across Hong Kong, Estonia, the United States, Canada, Singapore and the United Kingdom, while the card-issuing guide lists only Estonia, Hong Kong, Singapore and the USA, and an earlier Facebook guide says cards come from Hong Kong and the United Kingdom only.
  • The business-solutions page advertises "Card issuance for 5 USD with no hidden transaction fees", while the webhook documentation defines an authorisation fee, a declined-authorisation fee, a currency-conversion fee and an out-of-whitelist fee that the tariff page never prices.

How we checked

Every figure on this page was read off pay2.house on 12 August 2026. Where Pay2.House publishes nothing, this page prints a dash rather than an estimate.

Open pay2.houseNot a paid link: we earn nothing either way.