Your cards aren't getting declined because of your campaigns. It's the card type.
PayFox issues US Corporate Credit cards with low-risk BINs that ad platforms trust. Stop fighting the system — start running.
See how much you'll save
Most providers charge 3-8% in effective fees. We charge 2%.
The Card Type Trap
Ad platforms don't score campaigns. They score cards. Most providers give you the wrong type — and you pay for it with declines and frozen funds.
Prepaid / Debit BIN
- Classified as high-risk by Meta, Google, TikTok
- Aggregated fraud profile from thousands of users
- Triggers manual reviews and account freezes
- Recovery times of 2-6 weeks when funds get held
- Higher decline rates on launch and scaling
US Corporate Credit BIN
- Low-risk classification across all major ad platforms
- Institutional banking reputation, not pooled prepaid
- Consistent approvals when launching and scaling
- Funds you can withdraw at any time, no minimums
- Same BIN behavior trusted by Fortune 500 advertisers
How platforms actually score your card
Internal risk models look at the BIN, not the campaign. Here's the hierarchy.
| Card Type | Typical User | Platform Risk Score |
|---|---|---|
| Prepaid Card | Anonymous, low commitment | HIGH |
| Consumer Debit | Individual checking account | MEDIUM-HIGH |
| Consumer Credit | Personal credit card holder | MEDIUM |
| Corporate Credit(PayFox) | Established business entity | LOW |
How PayFox stacks up
We're not the cheapest sticker price — we're the cheapest total cost.
| Provider | BIN Type | Fees | Documented Issues |
|---|---|---|---|
| PayFoxBEST | US Corporate Credit | 2% top-up, 0% FX | None — instant withdrawals |
| Provider A | Prepaid (EU) | 3% + 1% FX + $5/card | Funds frozen 3-6 weeks |
| Provider B | Consumer Debit | 4% + 2% FX | Mass declines on scale |
| Provider C | Pooled Prepaid | 5-8% effective | Withdrawal minimums |
Transparent pricing, no traps
One fee. No FX surcharges. No card issuance fees. No monthly minimums.
| Cost | PayFox | Typical Provider |
|---|---|---|
| Top-up fee | 2% | 2.9% – 8% |
| FX conversion | 0% | 1% – 3% |
| Cross-border fee | 0% | 1% – 2% |
| Card issuance | Free | $3 – $10/card |
| Withdrawal fee | 0% | 1% – 3% + min $5 |
| Decline fee | $0 | $0.20 – $1.00 |
| Monthly minimum | None | $50 – $500 |
| Effective cost on $100K/mo | ~$2,000 | $5,000 – $8,000+ |
Built for scale
Everything you need to run multi-six-figure ad spend without operational drag.
Unlimited Cards
Issue as many cards as you need. No caps, no per-card fees, no per-team limits.
Instant Generation
New cards live in your dashboard in under 5 seconds. Spin up dedicated cards per offer or geo.
Crypto Top-up
Fund your account with USDT or USDC on TRC-20, ERC-20 or SOL. Confirmations in minutes.
Instant Withdrawals
Pull funds back any time. No minimums, no holds, no review queues. Your money stays yours.
Team Management
Invite media buyers with role-based limits. Per-user spend caps, allow-lists, audit logs.
Real-time Reporting
Live spend, decline reasons, BIN-level analytics. Export to CSV or pipe into your BI stack.
Why your funds won't freeze
Frozen funds are the #1 complaint about virtual card providers. Here's how we structurally solved it.
Aligned incentives
We earn on transaction volume, not on frozen balances. Your money sitting idle costs us money.
Instant withdrawals, no minimums
Pull $50 or $50K. Withdrawal endpoint is open 24/7. No tickets, no review queues, no excuses.
Fee transparency
One top-up fee. No FX, no cross-border, no hidden card-issuance line items. The price is the price.
Low-risk testing
Start with a $200 test balance. Run real campaigns. Withdraw the rest if it doesn't work — no penalty.
Trusted by serious media buyers
“Switched 3 ad accounts to PayFox last month. Approval rate went from 78% to 99%. The card type really does matter.”
“The transparent fee model is what sold me. No surprise FX charges at month-end like my last provider. Just one number.”
“Withdrew $8K back to my crypto wallet at 2am on a Sunday. Confirmed in 4 minutes. That alone is worth the switch.”
Frequently asked questions
Stop fighting your card type.
Start running your campaigns.
Start with a $200 test balance. Withdraw what you don't use.