The Problem: Global Payments Are Still Fragmented
For businesses operating across borders — agencies, affiliates, SaaS platforms, or crypto-native teams — managing payments is still a balancing act between speed, accessibility, and compliance.
Traditional corporate cards often struggle with:
- Limited country support and frequent transaction declines;
- High foreign exchange (FX) fees and long settlement times;
- Restrictions on ad spend or crypto-related transactions;
- Rigid verification processes that delay team onboarding.
As digital finance expands, companies increasingly turn to virtual card platforms — flexible, borderless tools designed for the online economy.
But not all virtual cards are built the same.
What Virtual Card Platforms Offer Today
Virtual card services have exploded in popularity, offering teams the ability to issue and manage digital payment cards instantly.
The top providers in the market — like PST.net, CardsPro, Volet, and LinkPay.io — all enable online businesses to streamline payments and improve ad-spend control.
Here’s what they generally provide:
- Instant virtual card creation and management;
- Multi-currency support (USD, EUR, GBP, etc.);
- Compatibility with ad platforms like Meta, Google, and TikTok;
- Secure tokenization and integration with digital wallets like Apple Pay.
However, when you dig deeper, key differences emerge — especially around costs, crypto compatibility, and white-label flexibility.
Competitor Review: PST.net, CardsPro, Volet vs. LinkPay
Let’s look at how these four players compare across crucial categories.
| Feature | PST.net | CardsPro | Volet | LinkPay.io |
| Core Focus | Ad payments & crypto-funded cards | Affiliate & ad cards | Multi-currency fiat cards | Multi-purpose virtual cards (ad, corporate, crypto) |
| Crypto Support | Native BTC & USDT, others via 3rd-party gateway | ❌ None | ✅ Supports select crypto wallets | ✅ Full crypto + fiat support |
| Deposit Methods | BTC, USDT, cards, 3rd-party gateways | Bank / cards only | Bank, stablecoins | Crypto, cards, bank, internal wallet |
| API Access | ✅ Paid ($500) | ❌ Not available | ❌ Limited | ✅ Free API & docs |
| Apple / Google Pay | ❌ | ❌ | ✅ | ✅ |
| White-Label Solution | Limited | ❌ | ❌ | ✅ Fully white-label |
| Best For | Ad buyers, media teams | Affiliates | General users | Businesses needing flexibility |
| Main Limitation | Paid API, partial crypto integration | No crypto, no automation | Limited customization | — |
The LinkPay Difference: Flexibility and Freedom
Where others specialize narrowly, LinkPay.io combines all use cases under one modular fintech ecosystem.
Developer-Ready from Day One
Unlike PST.net’s $500 entry fee or Volet’s limited API, LinkPay’s API key and documentation are free for every verified user — ideal for startups, agencies, or even solo developers.
Fully Crypto-Native
Supports BTC, USDT, and other leading assets natively, allowing direct wallet-to-card top-ups without intermediaries.
All-in-One Virtual Card Infrastructure
- Use cards for ad budgets, payrolls, or crypto conversions;
- Integrate with Apple Pay and Google Pay instantly;
- Create white-label products under your own brand.
Built for Flexibility
Whether you’re managing ad campaigns, corporate spending, or building your own fintech product, LinkPay’s white-label and API-first model adapts instantly — no contracts, no gatekeeping.
The Pros and Cons of Virtual Card Platforms
| Pros | Cons |
| Instant card creation and borderless use | Crypto support varies by provider |
| Simplified ad and team spending | API access often limited or paid |
| Enhanced transparency and control | Few offer white-label freedom |
| Compatibility with digital wallets | Fees differ widely across platforms |
In short: Virtual card platforms have evolved from niche tools into global financial engines — but only a few truly deliver on openness, flexibility, and crypto readiness.
Why LinkPay Stands Out
While PST.net is strong for crypto ad payments, CardsPro focuses on simplicity, and Volet serves multi-currency users — LinkPay unifies all three.
It gives businesses total flexibility: issue, brand, integrate, and scale cards across any use case — from ad budgets to corporate spending — all with crypto-native support and free developer access.
That’s what makes LinkPay not just another provider, but the backbone for the next generation of fintech builders.
