Spendge: Virtual Visa and Mastercard Cards - Pricing
Type
Payment system
Spendge
Spendge is a virtual card service designed for media buying, advertising teams, and corporate online spending. The primary focus is on payments to Facebook, Google, TikTok, Bing, and other advertising platforms, though the system also offers personal virtual cards.
Cards are issued digitally and managed through a shared dashboard. Users can choose the BIN, currency, Visa or Mastercard, and whether to enable 3D Secure. Once issued, the BIN cannot be changed, so it’s best to select a card suited to a specific type of payment in advance.
Spendge Standard Plan:
- virtual card issuance—5 EUR in the standard pricing plan;
- monthly service fee — 5 EUR;
- Spendge top-up via cryptocurrency — 1%;
- card account top-up — 3%;
- International Wire transfer – 0% charged by Spendge;
- Instant issuance;
- 3D Secure for supported BINs;
- API and team accounts.
There is a separate pricing plan for large affiliate teams. For a monthly turnover of approximately 1,000,000 EUR, the service offers special terms: 1 EUR for card issuance, 1.3% for card top-ups, and 1% + 2 USDT for cryptocurrency top-ups. This is a custom high-volume pricing plan and should not be considered the standard rate for a regular account.
Spendge uses a separate balance structure. Funds are first deposited into the Card Account and then distributed among virtual cards. EUR cards are topped up from the EUR Card Account, and GBP cards from the GBP Card Account. This allows for control over currency and expenses within the team.
The Card Wizard helps you choose a card based on several criteria:
- Visa or Mastercard payment system;
- currency;
- BIN;
- 3D Secure support;
- recommended merchants;
- the geographic region where the card is typically used.
For advertising teams, it’s important to be able to create multiple cards and assign them to employees. The administrator sets issuance permissions, allocates the number of available cards, and monitors the balance. This allows for separating the budgets of different advertising accounts and projects.
Spendge also supports quick card blocking. If a card is no longer needed, it should be set to “Blocked” status. Blocked Spendge cards do not incur a monthly service fee.
The main recurring expense is replenishing the card account. With a low turnover, the 3% fee may be more noticeable than the issuance cost. For large advertising budgets, custom rates become significantly more attractive.
For personal use, Spendge may be overkill: its interface, BIN filters, roles, and API are designed for professional use with multiple cards. For an agency or media buying team, however, these features are the core value.
Compatibility with a specific international service isn’t guaranteed simply by having a Visa or Mastercard. You need to select the appropriate BIN, 3D Secure, and currency. Spendge directly bases its card selection on these parameters.
It’s important to distinguish between the fee for funding an account and the fee for transferring money to a card account. Cryptocurrency deposits are charged separately from transfers to the Card Account, so the total cost may amount to two percent. Large teams on a custom plan receive significantly lower rates, but these are tied to a monthly turnover of around one million euros. A small agency cannot automatically assume these terms are available. To assess profitability, you need to calculate the monthly turnover, the number of cards issued, the cost of servicing them, and the number of paid top-ups.
Questions and Answers
How much does a Spendge virtual card cost?
Card issuance and monthly maintenance each cost 5 EUR. Custom terms are available for large teams.
What is the top-up fee?
The standard fee for topping up a card account is 3%; for cryptocurrency top-ups to Spendge, it is 1%.
Does Spendge support 3D Secure?
Yes, Spendge offers BINs with 3D Secure support. This feature depends on the card you choose.
Can you issue cards for a team?
Yes. The service provides team accounts, roles, card distribution, and an API.
Editor’s Opinion
Spendge is a highly specialized tool that shines brightest in advertising and media buying. Before issuing cards, you can choose the BIN, currency, Visa or Mastercard, and 3D Secure support. Team members will also find the roles, API, and the ability to block unused cards—to avoid service fees—useful. The downside of the standard plan is the recurring costs: 5 EUR per month and a 3% fee for card account top-ups make the product expensive for a single small subscription. With high transaction volumes, the custom rate significantly improves the cost-effectiveness. Spendge is primarily designed for agencies and advertising teams, rather than for a single personal subscription.
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