Virtual cards have become a go-to tool for freelancers, digital agencies, and small businesses, and Payniq takes this convenient concept to the next level with more power and transparency. Every transaction is easy to track, and spending limits can be adjusted with a single click in a user-friendly dashboard. It’s like having full control over all your online payments—without ever leaving your desk.

Transparency down to the last cent

Say goodbye to messy reports! With Payniq, you always know exactly where your money goes. Every payment is clearly listed in your statement - who paid, when, how much, and which ad account was topped up. Your full transaction history is available in real-time via the dashboard. You can easily export a detailed report in CSV format and instantly send it to your accountant or finance team. This saves you hours, 5 to 7 each month, especially if you're managing multiple projects and cards. You always have a complete, accurate picture of your spending.

The right cards for your goals

We understand that different online tasks require different tools. That’s why we offer cards with various BIN ranges tailored to specific purposes:

• For advertising
  These cards are specially configured to ensure maximum success when paying on major ad platforms like Facebook, Google Ads, TikTok, Microsoft Ads, and others. One key feature: any attempt to use them for non-advertising services is automatically blocked by the MCC code. This protects your ad budget and ensures it isn’t accidentally spent on personal purchases or unrelated services.
• For online payments
  Need a card for paying for software, subscriptions, or digital tools (like ChatGPT, Midjourney, Adobe, or various SaaS platforms)? Our dedicated BIN types are perfectly suited for these purposes.

Quick and easy setup

Forget about long bank visits and piles of paperwork! Getting started with Payniq is simple and fast. Just complete a quick registration with minimal required information, and gain instant access to your personal dashboard. From there, it takes just a few clicks to choose your currency (USD or EUR), top up your balance, and voilà, your card is ready to use! No extra steps, no waiting.

What else should you know?

1. Security and uniqueness
Each card is assigned a unique number, and you can issue disposable cards whenever needed. Got blocked? Just delete the affected card—your remaining card pool keeps running smoothly.

2. Financial discipline for teams
Set individual limits for team members: each person sees only their allocated ad budget, while the team leader has access to the full expense matrix. This prevents one employee from accidentally using another’s budget.

3. Auto top-up
Payniq can automatically replenish funds as soon as the card balance drops below a specified threshold, so your campaigns never pause due to an empty card.

4. Accounting integration
Ready-to-export CSV reports save you 5–7 hours at the end of each month, especially useful if you manage multiple cards across different projects.

Payniq virtual cards are your all-in-one tool for budget planning, control, and optimization, eliminating routine tasks and allowing your team to focus fully on scaling campaigns, without the distraction of financial management.

Still have questions or need help?

Payniq Support is here for you. Our specialists are almost always online and ready to assist you quickly. Not sure which type of card suits your needs? Have questions about how the service works? The Payniq team will help you choose the best solution and guide you through the setup process in just a few minutes. You're never left alone with your questions.