Cards for arbitrage and Facebook Ads primer

Without a reliable card for arbitration, it has become almost impossible to launch advertising in Meta: anti-fraud algorithms check BIN-geo, 3-D Secure, payment history and even the frequency of binding to advertising accounts. In 2025, the market offers dozens of solutions - from virtual cards for arbitration with post-payment to a three-minute issue of classic plastic. We figure out which cards are suitable for arbitrage on Facebook, how to survive the first bill (PB) and which services to choose if you need to buy cards for arbitrage in bulk.

Virtual Cards for Facebook: 2025 Overview

The key trend for 2025 is the massive switch to virtual cards for Facebook, issued by fintech services such as EPN, PST, AnyBill, and others. They let you create up to 100 cards in one click, set individual limits, and instantly “burn” an unwanted card if the ad account is banned. The best providers offer dozens of trusted BINs (US, EU, SG) and a $0 issuance fee, making virtual arbitrage cards a must‑have tool for rapid scaling.

Cards for the First Bill: Meta’s Requirements for Initial Billing

Meta strictly verifies first‑billing cards for Facebook Ads: the card country must match the profile country, the card must support 3‑D Secure, and the BIN cannot be “tainted” (frequently seen in fraudulent payments). If the system finds a mismatch, the first billing limit drops from $25 to $2—or the account is sent straight to Risk Payment. Arbitrage teams therefore choose services that supply fresh US/EU BINs and guarantee an instant re‑issue if the card is blocked.

P2P Arbitrage & Banking Risks: How to Avoid a Freeze

P2P card arbitrage looks attractive: quick top‑ups via crypto exchanges, instant withdrawals, and minimal fees. Yet banks increasingly flag such operations as “high‑risk,” freezing accounts under FinCEN/AML rules. To minimise the chance of a bank review:

  • Use cards where the crypto‑exchange → card flow is processed as merchant payments rather than cash‑in.
  • Keep separate cards for P2P arbitrage—never mix them with personal expenses.
  • Respect the bank’s internal limits: $1 000 spikes every 10 minutes are a fast track to a KYC check.

Warming Up Payment Cards: Limits, Geo, BIN Rotation

How to warm up cards for arbitrage is every beginner’s main question. A universal scheme is:

  1. Day 1: pay a $1‑$2 white offer (Netflix, Spotify) to build history.
  2. Day 3: attach the card in Ads Manager and launch a $5 test campaign.
  3. Double or triple spend every 24 hours. As long as payments clear, the card lives.

Rotate the BIN when spend reaches $250‑$300 and declines start (Declined — Do Not Honor). Re‑issue the card with the same geo but a new BIN; practice shows the card can survive up to $1 000 in spend with no Risk Payment after such a rotation.

Top‑5 Card Services for Arbitrage (2025 Update)

  1. AnyBill (AB Card) — 150+ geos, team access, up to 100 cards per click.
  2. PST.net — exclusive US BINs, USDT/BTC top‑ups, $0 fee on declined payments.
  3. E.PN — free issuance and 42 trusted Visa/Mastercard BINs; ideal for virtual Facebook cards.
  4. Capitalist — multi‑currency virtuals, fast KYC, stable in Google and FB.
  5. Multicards — issues BINs for specific platforms (FB, TT, Google), lowering decline risk.

When deciding where to buy cards for arbitrage, focus on four metrics: BIN variety, top‑up fees, re‑issue speed, and 3‑D Secure support. Proper warm‑up and timely card rotation raise average spend to $1 000‑$1 500 per card without bans or daily re‑issues. Use fresh US/EU BINs, match account geo to card geo, and Meta will pass your first billing with no extra questions.