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Updated February 2026
Spendge Review 2026
Virtual Cards for Media Buying & Digital Services
Spendge is a virtual card issuing and online payment platform built for affiliate and media-buying teams. It provides corporate Visa/MasterCard virtual cards for paying ad platforms and digital services, with team accounts, spend analytics, and the ability to top up via crypto or wire transfers.
Unlimited Cards
3-D Secure
Team Accounts
Analytics
API
Crypto Top-Up
Platform Overview
Category:Virtual Cards
Card Types:Visa/MasterCard
Card Limit:Unlimited
Issuance Fee:โฌ1 per card
Best For:Media Buyers
Key Benefits
Instant Card Issuance
Unlimited virtual cards issued instantly for scaling ad spend and managing campaigns.
3-D Secure Cards
Optional 3-D Secure authentication for enhanced security and platform compatibility.
Team Accounts
Distribute cards, manage budgets, and control team member access across your organization.
Advanced Analytics
Comprehensive reporting and insights across transactions, balances, and spending patterns.
API Integration
Automate card operations and integrate with your existing workflows via API.
Referral Program
Earn โฌ1 per card + 0.1% of customer spend through the referral program.
Transparent Pricing
Card Issuance
โฌ1
Per card issued (one-time fee)
Crypto Top-Up
1% + 2 USDT
When adding funds via cryptocurrency
Card Replenishment
1.3%
Fee when adding balance to cards
Wire Transfer Top-Up
โฌ0
Free bank wire deposits
- Q01What is Spendge and how does it work?
- Spendge is a virtual card issuing and online payment platform built specifically for affiliate and media-buying teams. It provides corporate Visa/MasterCard virtual cards for paying ad platforms (Facebook, Google, TikTok, etc.) and digital services. Teams can issue unlimited cards instantly, manage budgets, control access with team accounts, track spending with advanced analytics, and top up via crypto or wire transfers. The platform is designed for scaling ad spend while maintaining control and visibility.
- Q02What are the fees for using Spendge?
- Spendge has a transparent fee structure: โฌ1 per card issued (one-time fee when creating a new virtual card), Crypto top-up fee: 1% + 2 USDT (when adding funds via cryptocurrency), Card replenishment fee: 1.3% (when adding balance to existing cards), Wire transfer top-up: โฌ0 (free bank wire deposits). These competitive rates make Spendge attractive for high-volume media buyers who issue many cards and prefer crypto or wire transfer funding methods.
- Q03Can I issue unlimited virtual cards with Spendge?
- Yes, Spendge allows unlimited card issuance for scaling your ad spend. Each card costs just โฌ1 to issue, after which you can use it for transactions on ad platforms and digital services. This unlimited card capability is essential for media buyers who need separate cards for different campaigns, clients, ad accounts, or budget allocations. The instant issuance means you can create new cards on-demand whenever needed.
- Q04Does Spendge support 3-D Secure authentication?
- Yes, Spendge offers 3-D Secure cards as an option depending on your needs. 3-D Secure (also known as Verified by Visa or MasterCard SecureCode) adds an extra layer of security for online transactions by requiring additional authentication. Some ad platforms and services prefer or require 3-D Secure cards for higher transaction limits or enhanced security. Spendge provides flexibility to choose whether you need 3-D Secure enabled based on your specific use case.
- Q05How do team accounts work in Spendge?
- Spendge's team account features enable collaborative card management for agencies and teams: Distribute cards to team members with specific budgets, Manage individual or shared budgets across the team, Control access levels and permissions per team member, Track who issued which cards and for what purpose, Set spending limits and restrictions per user or card, Monitor team-wide spending through centralized analytics. This makes Spendge ideal for media buying agencies managing multiple clients or large teams running various campaigns simultaneously.
- Q06What analytics and reporting does Spendge provide?
- Spendge includes advanced analytics features for comprehensive spending visibility: Transaction-level reporting across all cards and team members, Real-time balance tracking and budget monitoring, Spend categorization by card, user, or custom tags, Insights into transaction patterns and spending trends, Export capabilities for accounting and reconciliation, Dashboard overview of team-wide financial activity. These analytics help media buyers optimize budget allocation, identify spending patterns, and maintain financial control across campaigns and platforms.
- Q07Is there an API available for automation?
- Yes, Spendge offers API integration for teams that need automation and mass operations. The API enables: Programmatic card creation and management, Automated budget allocation and funding, Integration with internal systems and workflows, Bulk operations for large-scale card issuance, Transaction data retrieval for custom reporting. API access is particularly useful for large agencies, automated trading desks, or tech-savvy teams building custom media buying platforms that need virtual card functionality embedded into their workflows.
- Q08Can I top up my Spendge account with cryptocurrency?
- Yes, Spendge supports crypto top-ups with a fee of 1% + 2 USDT. Cryptocurrency funding is popular among media buyers and affiliates because it offers: Fast international transfers without banking delays, Privacy and anonymity compared to bank transfers, Lower fees for large deposits compared to traditional payment methods, Accessibility for users without traditional banking relationships. Additionally, Spendge accepts wire transfers with โฌ0 fees, making bank deposits free if you prefer traditional banking methods.
- Q09Does Spendge have a referral program?
- Yes, Spendge operates a referral program where you can earn ongoing commissions: โฌ1 per card issued by referred customers (passive income from every card they create), 0.1% of customer spend through Spendge (ongoing revenue share from their transactions). This dual revenue model means affiliates earn both from initial card issuance and continuing transaction volume, creating potentially significant passive income for those who refer high-volume media buyers or agencies to the platform.
- Q10What ad platforms and services can I pay with Spendge cards?
- Spendge virtual cards work with virtually all major ad platforms and digital services including: Facebook Ads, Google Ads, TikTok Ads, Snapchat Ads, LinkedIn Ads, Twitter/X Ads, Pinterest Ads, Native advertising platforms, Affiliate networks, SaaS tools and software subscriptions, Domain and hosting services, Any merchant that accepts Visa/MasterCard online payments. The corporate Visa/MasterCard cards are accepted worldwide wherever virtual cards are supported, making Spendge versatile for diverse digital marketing and business operations.