XCARDS: Virtual Cards, Rates, and Terms

XCARDS is an international virtual card service for online payments, advertising accounts, SaaS, subscriptions, and team expenses. XCARDS is operated by 4P SOLUTIONS LTD., a company registered in Malta.

The service is designed for both individual use and teams. In the dashboard, you can issue multiple cards, allocate budgets among employees, and monitor expenses.

XCARDS rates for fall 2026:

• virtual card issuance — starting at 2 USD;
• top-up fee—starting at 4%;
• monthly service fee—2–4 USD, depending on the card;
• top-up fee: 4–8%, depending on the method and amount;
• over 30 BINs from different regions;
• Mandatory KYC verification;
• Cards are designed for online payments;
• Command-line management is supported;
• A Telegram bot is available for monitoring transactions;
• Terms vary depending on the specific BIN and card program.

The price “starting at 2 USD” refers to the initial issuance cost and does not mean that every card in the system will cost exactly that amount. Different BINs may have separate prices, reload fees, limits, and intended uses.

XCARDS focuses on payments for advertising, subscriptions, and SaaS. This format is particularly convenient for agencies and digital teams that need to issue separate cards for advertising accounts, employees, or projects. Instead of a single card with a large number of transactions, you can split budgets across multiple card details.

The top-up fee starts at 4% and can range from 4% to 8%, depending on the amount and method. The monthly service fee is 2–4 USD, depending on the card. Therefore, the top-up fee is not the only recurring expense. With low transaction volume, the issuance fee has almost no impact on the total cost, and the top-up fee becomes the main factor. For businesses with regular advertising expenses, the top-up fee may be more important than the difference between a $2 and a $5 issuance fee.

Over 30 BINs are available. This is useful for online payments, as different services may treat cards from different countries and banks differently. However, a large number of BINs does not guarantee automatic compatibility with all merchants.

KYC is mandatory for all customers. Users must verify their identity as part of the Know Your Customer procedures. This is standard practice for a financial product, especially if the service works with multiple banks and payment partners.

Separate management tools are available for the team. You can distribute virtual cards and monitor balances and expenses, which makes XCARDS more like a business payment platform than a simple one-time card for a single subscription.