Virtual prepaid cards have become the most reliable payment method abroad for freelancers and frequent travellers. These cards offer a convenient way to manage finances, pay for services and goods internationally, and receive payments from global clients. This article reviews the top virtual dollar card options available in 2025, outlining their features, advantages, and limitations.
Overview of the best virtual prepaid cards in 2025
PSTNET
PSTNET offers virtual dollar cards designed for both online purchases and advertising expenses. Users can choose from card types tailored for e-commerce, subscriptions, marketplaces, or social media advertising. If you’re running ads, you can opt for a cashback-enabled card. For general online spending, standard prepaid cards — including instant Visa prepaid cards, are a convenient option.
Funding your card is a simple two-step process: first, you top up your account balance through your personal dashboard, then transfer the desired amount to a specific card. Users can set their own top-up limits. There are no transaction fees, withdrawal charges, or penalties for declined or blocked operations.
Key features:
- Top-up methods: 18 cryptocurrencies, including BTC, USDT (TRC20, ERC20), ETH, other Visa/Mastercard cards, and SEPA/SWIFT bank transfers
- Security: 3D Secure, two-factor authentication
- Mobile app: Fully featured, enables real-time card management and instant issuance
- Registration: Use Google, Telegram, WhatsApp, Apple ID, or email
- Customer support: 24/7 via Telegram and other channels
- Telegram bot: Sends service alerts and 3D Secure codes
Revolut
Revolut is a fintech platform that integrates account management, currency exchange, and virtual cards into a single app. Users can open an account, issue a dollar card, and begin making online payments within minutes.
A standout feature is its multi-currency support. One account can hold USD, EUR, GBP, and several other currencies. This is particularly beneficial for travellers and freelancers working with international clients. Currency exchange is performed at market rates and is commission-free on weekdays, helping users avoid unnecessary conversion fees.
Revolut cards work across websites that accept Visa and Mastercard. Apple Pay and Google Pay are supported. The app also offers disposable virtual cards — card details reset after each transaction for enhanced security.
Key features:
- Security: 3D Secure
- Top-up methods: Bank transfers and card-to-card transfers
- Mobile app: Comprehensive and user-friendly
- Registration: Requires app installation and identity verification
- Customer support: Available 24/7 via the app
Pyypl
Pyypl is an international service providing virtual prepaid Visa cards. These cards work across all platforms that accept Visa, including online shops, mobile apps, and subscription services. You can use the card for Netflix, YouTube Premium, Amazon, and many other global platforms.
This card is geared toward personal spending. It’s ideal for individuals who shop internationally or pay for services without linking to a traditional bank account. However, it comes with limitations: the maximum amount per transaction is $1,000, and a 2.99% fee is charged on every payment. These fees should be considered for frequent or high-value transactions.
The card is not suitable for large advertising budgets or high-volume freelance platforms. But if you’re looking for a secure way to pay for subscriptions or shop while travelling, Pyypl is a practical solution.
Key features:
- Top-up methods: 10 cryptocurrencies or other Visa cards
- Security: 3D Secure
- Mobile app: Covers all essential functions
- Registration: Instant access after signing up through the app; verification is required to activate the card
- Customer support: 24/7 in-app support
Mobile apps and user interface
Most virtual cards are accessible via mobile apps. This allows users to monitor expenses in real time, instantly freeze a lost card, and receive alerts for every transaction. PSTNET and Revolut offer intuitive interfaces with multi-language support. Users can issue new cards, change PINs, and set spending limits within the app. Pyypl offers a simpler interface that remains stable even with slow internet connections.
When choosing a provider, consider how easily you can manage funds from your phone — especially if you travel frequently or work remotely.
Taxes and legal considerations
Freelancers must declare their income — even if payments are received on a virtual card. Tax laws make no exception for digital payments. In some jurisdictions, failing to declare income can result in penalties or account freezes.
Before using any virtual card, check local tax regulations. If you work with foreign clients, this may qualify as international business activity. Consulting a tax advisor can help you stay compliant. Don’t rely on card anonymity — most services share data with regulators upon request.
Risks and limitations
While convenient, virtual cards aren’t foolproof. Some services may block transactions due to sudden changes in geolocation or unusual activity. This often occurs if you use your card in several countries within a short period.
Not all cards are compatible with freelance platforms or international retailers. For instance, cards issued with African BINs may fail verification checks on platforms like Amazon or Airbnb. Before getting a card, check its issuing country and allowed operations based on the platform’s rules. Also, failing to verify your identity may result in your balance being temporarily frozen.
Conclusion
Virtual dollar cards are an effective financial tool for those who work or travel across borders. They offer spending flexibility, seamless access to international services, and enable global payments without tying users to local banks.
Each card has unique attributes: spending limits, transaction fees, geo-restrictions, or usage constraints. Your choice should align with your specific needs.
- Choose PSTNET for advertising and large-scale online spending.
- Opt for Revolut if you need multi-currency support and broader financial features.
- Consider Pyypl for personal shopping and subscriptions.
Before issuing a card, carefully review the provider’s terms, usage limits, and local legal requirements. A virtual card isn’t just a tool — it’s a strategic asset in your global financial toolkit.
