Best services for issuing temporary debit cards

Temporary debit cards are issued online in just a few minutes. Once the request is submitted, the card details arrive instantly and can be used for any type of payment. No plastic is needed, no delivery or office visit required. Issuing takes between 2 and 5 minutes, topping up takes only a couple of minutes, and closing the card is instant. This saves time and helps solve tasks right away. These cards work well for online shopping, subscriptions, hotel bookings and flights. They come with a limited validity period, and once it ends, the card stops working.

For international services this is a convenient option. The card details are valid in any country that accepts major payment systems. This simplifies payments for overseas purchases and premium services. The user decides how much money to keep on the card. For a subscription or one-time service, it is possible to transfer exactly the amount needed. The main account is not involved, and the details of the main card remain safe. Even if temporary card details fall into the wrong hands, funds in other accounts remain inaccessible.

How to choose a service

Services differ in fees, currencies, validity periods and limits. Some only issue cards in dollars or euros, while others allow choosing a currency at the time of issuance. This matters for international purchases since conversion losses are lower.

Minimum top-up amounts also vary. For subscriptions and one-time payments, services with flexible conditions and the option to top up anytime are more convenient.

Top 5 temporary virtual cards: how to choose a provider

PSTNET

PSTNET issues virtual debit cards in US dollars. Both Visa and Mastercard are supported, with no restrictions on top-ups or spending. The service allows multi-currency operations and works with cryptocurrencies.

Top-ups are available through SEPA and SWIFT bank transfers, Visa and Mastercard, as well as 18 cryptocurrencies including BTC and USDT. Registration takes just one step and can be done via Apple ID, Google, Telegram, WhatsApp or email.

New users can make a one-time USDT deposit with no fee, which works perfectly for those looking to test the service with a one-time debit card. All transactions and operations on frozen cards are free of charge, and withdrawals are also commission-free.

The service supports two-factor authentication and 3D Secure. Notifications are delivered through a Telegram bot. Support is available 24/7 through live chat, WhatsApp and Telegram.

Key facts:

• Payment systems: Visa and Mastercard
• Acceptance: anywhere Visa and Mastercard work
• Currencies and crypto: multi-currency cards; crypto supported
• Limits: no restrictions on top-ups or spending
• Fees: no commission on transactions, frozen card operations or withdrawals
• Top-ups: SEPA and SWIFT transfers, Visa and Mastercard, 18 cryptocurrencies including BTC and USDT (TRC20 and ERC20)
• Registration: one step via Apple ID, Google, Telegram, WhatsApp or email
• App: iOS and Android
• Bonus: one-time commission-free USDT deposit for new users
• Security: 3D Secure and two-factor authentication
• Notifications: Telegram bot with service updates and alerts
• Support: 24/7 via Telegram, WhatsApp and live chat

Spendnet

Spendnet issues virtual cards for any purpose, from ad payments to general dollar transactions. All cards are free, issued via Visa and Mastercard, and accepted worldwide.

The main feature is automatic 1% cashback on every purchase. There are no limits on the number of cards or transactions.

Top-ups are available through USDT and BTC. The average fee starts at 2%, while everything else is free: transactions, refunds, currency conversion and withdrawals.

Registration takes just seconds via Google account or email. Transactions are verified with 3D Secure. Spend.net support is available 24/7 via live chat inside the account.

Key facts:

• Payment systems: Visa and Mastercard
• Acceptance: worldwide wherever Visa and Mastercard are supported
• Card cost: free
• Cashback: 1% on every purchase with no extra steps
• Limits: no restrictions on sums or number of cards
• Fees: top-ups from 2% on average; transactions, declined payments, refunds, conversion and withdrawals free
• Top-ups: USDT and BTC
• Registration: via Google account in seconds or via email
• Security: 3D Secure transaction verification
• Support: 24/7 chat with managers in the account

Ezzocard

Ezzocard issues one-time virtual cards. They are suited for subscriptions and single purchases. The cards are issued via Visa and Mastercard and accepted everywhere these systems work.

No registration is needed: a card can be purchased immediately. There are no transaction fees, but there is an issuance fee that depends on the card amount. Available denominations range from 10 to 20,000 dollars. The balance is set at purchase and cannot be topped up later.

Payments can be made through nine cryptocurrencies, including USDT and BTC. Support is available by email, with response times depending on workload. These cards have no additional protection beyond standard payment system protocols. The format is simple: buy and pay. They fit tasks requiring a card with a fixed sum and no registration.

Key facts:

• Payment systems: Visa and Mastercard
• Acceptance: anywhere these systems are supported
• Registration: not required, card available immediately
• Fees: no transaction fees; issuance fee depends on denomination and type
• Denominations: 10 to 20,000 dollars
• Top-ups: not available after purchase
• Payment methods: nine cryptocurrencies including USDT and BTC
• Support: by email; response time varies
• Security: no extra protection beyond standard payment system security

Wise

Wise is an international service with multi-currency accounts. A virtual card is issued alongside a physical card. It works for online payments, bookings and contactless payments via Apple Pay and Google Pay.

The account supports more than 40 currencies. Conversion is done at the mid-market rate with a fee starting from 0.33%. Issuing a virtual card is free, and there are no subscription charges.

Top-ups are available through bank transfers and e-wallets. Funding via e-wallets comes with a 2% fee. ATM withdrawals are free twice up to 100 dollars per month, after which standard fees apply.

Security is ensured through separate details for each virtual card and the option to freeze or delete a card instantly in the app.

Key facts:

• Virtual card: available after physical card is issued
• Exchange rate: mid-market with a fee from 0,33%
• Cost: free virtual card issuance with physical card, no subscription fee
• Fees: conversion from 0.33%; ATM withdrawals two free operations up to 100 dollars monthly, then by tariff; e-wallet funding 2%
• Availability: activation right after issuance; integration with Apple Pay, Google Pay, Samsung Pay and others
• Security: unique details for each virtual card; instant freeze or deletion in the app
• For business: up to three virtual cards issued free of charge

Combo.cards

Combo.cards supports issuing virtual cards for affiliate payouts and contractor payments, as well as card rental and developer account setup for Apple Store and Google Play.

Top-ups are possible through USDT and BTC. Funding fees range from 3% to 5%. Transactions and declined operations carry no fees.

Registration is done through a website form with account verification. Card issuance takes up to 72 hours.

Security is supported by two-factor authentication and 3D Secure. Support is available 24/7 through website chat or email.

Key facts:

• Payment systems: Visa and Mastercard
• Technology: built-in AI modules; site chat support runs on AI
• Fees: no fees for transactions or declines; other operations charged at minimum rates
• Top-up fee: from 3% to 5%
• Top-ups: crypto wallet, USDT (TRC20) and BTC
• Registration: via site form and account verification with data check
• Issuance time: within 72 hours after registration
• Security: 3D Secure and two-factor authentication
• Support: 24/7 via site chat and email

Conclusion

Temporary debit cards speed up payments and reduce the load on the main account. They are convenient for subscriptions, business trips, premium services and ad accounts. Choosing a provider comes down to five points: currency and exchange rate, fees, limits, top-up methods, and support channels. The ranking above covers these aspects without wasting time. PSTNET is best for large sums and zero withdrawal fees, Spendnet works for frequent payments with cashback, Ezzocard suits one-time tasks with no registration, Wise is good for multi-currency scenarios with a transparent exchange rate, and Combo.cards fits developers and affiliate payouts.

Temporary debit cards make it possible to pay for services quickly and securely without exposing the main account. Issuing takes only minutes, topping up is almost instant, and closing requires no time at all. They are a practical tool for international purchases and premium services where speed and privacy matter.