Brocard: Virtual Visa and Mastercard Cards for Advertising
Type
Payment system
Brocard
Brocard is a virtual card service designed primarily for advertising expenses, media buying, and payments for online services. The platform is designed for teams: within a single account, you can issue multiple cards, distribute them among employees, set spending limits, and monitor expenses.
As of November 2026, Brocard offers more than 20 types of virtual cards with different BINs. The system supports Visa and Mastercard, with the main currencies being USD and EUR. Brocard’s BINs are associated with the U.S., Estonia, Latvia, the U.K., Singapore, and other countries.
Basic issuance terms:
- the first 50 cards per team—no issuance fee;
- Starting with the 51st card—a one-time fee of 2 USD per card;
- the issuance fee is charged on the first transaction, not upon card creation;
- some BINs support 3D Secure;
- Apple Pay and Google Pay are available for select cards;
- Cards can be funded from the account’s total balance or have a separate reserved balance;
- The minimum balance for an individual card upon issuance is 20 USD;
- The minimum card limit is 50 USD.
Brocard is particularly convenient for those who need to split expenses among a large number of advertising platforms. Instead of using a single card for all projects, a team can issue separate cards for Meta, Google, TikTok, SaaS, analytics tools, and other digital services.
The fee for an international payment or a transaction in a currency other than that of the issuing country depends on the specific BIN. These fees may be charged by Visa or Mastercard. The exact amount is displayed when you select a card. Partner banks may also charge a fee for declined transactions, so a large number of repeated unsuccessful debits increases costs.
There are several ways to fund your card account:
- USDT TRC-20 and ERC-20;
- USDC ERC-20;
- BTC, ETH, LTC, and TRX;
- WIRE, ACH, SWIFT, and SEPA;
- Capitalist;
- transfers from supported partner and affiliate systems.
According to the current knowledge base, the minimum deposit for a card account is 250 USD, and for a service account, 100 USD. The fee depends on the deposit method and is displayed before the transaction is confirmed.
KYC is mandatory at Brocard. Acceptable forms of identification include a passport, ID card, driver’s license, or residence permit, and a selfie is also required. The verification process is typically automated.
There is an important restriction for Russian citizens. The Russian Federation is included in the list of countries whose citizens cannot complete standard KYC. Russian citizens residing abroad can complete KYC if they have current proof of a foreign address. The document must be recent and include the name and full address.
This means that Brocard cannot be described as a virtual card freely available to any user in Russia. For the Russian audience, availability is determined by the user’s actual place of residence and the ability to verify an address outside the Russian Federation.
Apple Pay and Google Pay are not supported by all cards. A special indicator appears next to eligible BINs during issuance. 3D Secure also depends on the specific card, and the verification code is sent via email.
Brocard does not guarantee that a card will be accepted by a specific advertising platform or international service. Even a valid BIN may be declined due to merchant policies, account geography, anti-fraud measures, or payment history. Therefore, tracking statistics on successful transactions and monitoring the decline rate are essential for professional operations.
SBP is available for certain funding methods. For WIRE, ACH, SWIFT, and SEPA, a prior agreement between legal entities is required: bank transfers using these methods are not available to individual customers without such an agreement. Other methods, including cryptocurrency and Capitalist, have their own crediting rules. The first 50 free cards should not be considered free use of the platform: payment networks and partner banks may charge fees for cross-border and declined transactions.
Questions and Answers
How much does it cost to issue a Brocard card?
The first 50 cards per team are issued at no additional charge. Starting with the 51st card, a one-time fee of 2 USD applies.
Which payment systems are available?
Brocard offers Visa and Mastercard in USD and EUR. The country BIN, 3D Secure, and fees depend on the specific card program.
Can I fund my Brocard account with cryptocurrency?
Yes. USDT, USDC, BTC, ETH, LTC, TRX, and bank transfer methods are supported.
Can a Russian citizen complete KYC?
By default, Russian citizenship is on the list of restrictions. Brocard allows verification of Russian citizens residing outside of Russia, provided they can confirm a foreign address.
Editor’s Opinion
Brocard is primarily suited for advertising teams and agencies. The first 50 cards come with no issuance fee, a wide selection of BINs, team features, an API, and various funding options—all of which offer greater flexibility than a standard consumer virtual card. For a single subscription, this service is overkill, especially since the minimum card account top-up starts at 250 USD. It’s also important to consider KYC restrictions: a Russian citizen without verified residence outside the Russian Federation will not be able to pass the verification process. Brocard is primarily geared toward professional advertising budgets. For one-time, small subscriptions, its minimum deposit and team features are usually excessive.
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