Monetiro231 services on the ledger · last checked September 12, 2026
ENRU
≥$9.00/$100
Who forTake it?CostsPlatformsHow it worksContradictionsHow we checked
Cards for ad spend
SPEND.NET

SPEND.NET

Visa · MCsince 2025Solo buyerTeam
Asks for everythingIssues reported

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

SPEND.NET sells USD virtual Visa and Mastercard cards funded only with USDT on Tron or with BTC, split into a general Spend card and an Advertisement card that the FAQ restricts to digital advertising payments. The distinctive mechanic is a load-fee ladder the buyer picks from — 6%, 5% or 3.75% by load size — sold together with cashback on ad spend, both governed by a Premium subscription whose price appears only inside the logged-in app. It is aimed at a solo buyer or a small in-house team: there is team management and XLS/CSV export, but no API, no documented per-card budget rules and no named issuing bank.

Total, per $100 of ad spend: ≥$9.00per $100 of ad spend

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

Open spend.netNot a paid link: we earn nothing either way.

Who it is for

Solo buyers and small teams running US-billed ad accounts who can absorb a 3.75-6% load fee and keep no working capital on the platform.

Whether to take SPEND.NET

In its favour

  • The card-load ladder is published in full — 6% below a $1,000 load, 5% from $1,000 and 3.75% from $5,000, with a $1 minimum fee — which is more pricing than most ad-card sellers show before signup.
  • Card payments carry no percentage of their own: the fees FAQ states that no transaction fee is charged when the card is used for online purchases.
  • USDT deposits of $50 or more and BTC deposits of $1,000 or more arrive without a deposit fee, and the FAQ describes account deposits as typically instant.
  • Cards are issued in USD by US partner banks across an advertised 20-plus BINs, so an ad account billed inside the United States escapes the cross-border charge.
  • Statements export to XLS and CSV, cards can be issued in bulk, and balance moves between a holder's own cards without a round trip through the account.

Against it

  • Until February 2026 the same site's legal pages described the operator as Spend Management Network Ltd, a Canadian money services business in Toronto, and gave two different registration numbers in its own documents; the pages effective 15 May 2026 name Widberg Affiliates Limited in the Marshall Islands, and the change was never announced.
  • The AML policy states that Spend.Net holds no money services business or similar licence and does not hold customer funds in its own name, the issuing bank is disclosed only at the moment a card is issued, and the terms allow an account lockdown without prior notice.
  • External withdrawals are USDT only and processed by hand, up to 14 days in the provider's own wording; a Trustpilot reviewer reports nothing received on day fourteen, a Reddit r/Scams thread describes a withdrawal stuck at pending past fifteen days with support silent, and a second Trustpilot reviewer sums the profile up as deposits working while access to funds does not.
  • The Premium subscription price, the card issue fee, any decline fee, the BIN list and the way 3DS codes are delivered are all invisible until after registration, a document check and payment.
  • A 3% international transaction fee lands on every approved charge from a merchant outside the United States, so Dublin-billed Google Ads and Pinterest cost the load fee plus three points — roughly 7% to 9% all in.
  • Nothing independent confirms that the cards clear on ad platforms: the twelve platform pages are the vendor's own SEO landing pages, Meta is referred to only as a Blue ads card, and the third-party reviews ranking for the brand carry referral links and quote fees that do not appear on the live site.
  • A document check with a liveness selfie is mandatory before the first card, more than forty jurisdictions are barred including the United States, Canada, Russia and Ukraine, blocking a card cannot be undone, and moving money off a card takes up to twelve hours with the amount held.
  • The acceptable use policy bans internet gambling and any platform that accepts bets, escort services and prostitution, prescription medications, weapons, gift-card purchases and peer-to-peer transfers, and the cards may not be used to receive incoming funds; a transaction in any of those categories may be declined, reversed where possible, and lead to an account lockdown and termination, with the remaining balance released only after deduction of fees, losses and chargebacks.

What SPEND.NET charges

Card top-up6%
Per transactionFree
Outside the card's currency3%

Not published: balance top-up, to issue a card, monthly, per declined payment, minimum top-up.

The load ladder is published on the cards page as a choose-your-fee slider — 6% below a $1,000 load, 5% from a $1,000 load and 3.75% from a $5,000 load — with a minimum load fee of $1, while the card-load FAQ states only that the fee depends on the Premium plan and lists no tiers at all. Deposits are free above $50 in USDT and above $1,000 in BTC, cost a flat $5 and $10 below those thresholds with the first USDT deposit free, and no minimum deposit is stated anywhere; the conversion leg is quoted at ₮1 ≈ $0.99 going in and $1 ≈ ₮0.995 coming out, so about a point disappears on each crossing. Card purchases carry no per-transaction fee, but a 3% international transaction fee applies to every approved charge from a merchant outside the United States, with a minimum of $0.50 below $5 and $1.00 above; Google Ads and Pinterest bill from Dublin, so the realistic cost on those platforms is the load fee plus three points. The Premium price, the card issue fee and any decline fee are published nowhere on the public site, and the homepage's claim that Premium cuts the deposit fee from 3% to 2% matches neither the deposit FAQ nor the load slider. Cashback on ad spend appears as 2% or 3% depending on which page is open, capped at $1,000 or $5,000 a month depending on which page is open, with the rate again tied to the undisclosed plan. Affiliate posts quoting free card issuance, a flat 4% deposit fee, a 2% minimum top-up commission or Premium at $10-$499 a month reproduce no figure that exists on the live site.

The platforms it names

SPEND.NET names 9 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.

  • Google Ads
  • TikTok Ads
  • Microsoft Ads
  • Snapchat
  • LinkedIn
  • Taboola
  • Outbrain
  • Pinterest
  • Reddit

How it works

BINs20 · US
Cards1000
Getting inOpen signup
Support24/7

Where SPEND.NET contradicts itself

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

  • Cashback on advertising spend is stated as 3% on the homepage and in the cards FAQ, but as 2% on the cards page and on every individual card landing page.
  • The cashback ceiling is given as up to $1,000 a month on the cards page and up to $5,000 a month on the Google Ads card page.
  • The homepage sells Premium as cutting the deposit fee from 3% to 2%, while the deposit-fee FAQ says USDT deposits of $50 or more carry no fee at all and the card pages show a separate 6% / 5% / 3.75% load slider.
  • The card pages present the load fee as a function of the amount loaded, while the card-load FAQ says only that the fee depends on the Premium plan and lists no tiers.
  • Every card landing page states that an unlimited number of cards can be issued, while the account-verification FAQ caps the top verification level at 1,000 cards and the two lower levels at 1 and 5 cards.
  • The service-limits FAQ states that there are no card funding limits, while the account-verification FAQ sets $500 per month at the first level and $5,000 per month at the second.
  • Account withdrawals are described as USDT-only, manual and up to 14 days in the withdrawal FAQ, while the advertising card pages advertise withdrawals within minutes and up to 12 hours at worst.
  • The transaction-fees FAQ states that no transaction fee is charged for card purchases, while the international-fees FAQ applies 3% to every approved charge from a merchant outside the United States, which covers most ad-platform billing entities.
  • The advertisement card page lists a Facebook card among its products, while the rest of the site refers to Meta only as a Blue ads card and never writes the platform name.
  • The operator is registered in the Republic of the Marshall Islands, a jurisdiction that appears twice on its own list of countries it refuses to serve.
  • Until February 2026 the same legal pages named the operator as Spend Management Network Ltd, a Canadian money services business, and carried two different registration numbers at once — C100000444 in the terms and 1001017022 in the AML policy — while the pages effective 15 May 2026 name Widberg Affiliates Limited in the Marshall Islands.

How we checked

Every figure on this page was read off spend.net on 12 August 2026. Where SPEND.NET publishes nothing, this page prints a dash rather than an estimate.

Operated byWidberg Affiliates Limited
Registered inMarshall Islands
Open spend.netNot a paid link: we earn nothing either way.