Use case
Fund ad accounts with crypto
Deposit USDT or USDC, move the balance onto a virtual card, and use that card as the payment method on your ad accounts. You can run a separate card per account or per client, top them up as budgets move, and freeze any of them instantly.
PayNovaX does not add a surcharge to advertising spend, which is the difference that matters most if you are reloading cards every week rather than buying something once.
The part that compounds
No surcharge on advertising spend
Every card transaction carries a merchant category code that tells the card program what kind of business is being paid. Advertising platforms have their own codes, and several crypto card providers use them to apply an extra percentage on top of their normal pricing whenever you pay an ad platform.
PayNovaX does not do this. Paying a media platform costs the same as paying anyone else. Ordinary fees still apply — you pay the deposit fee when crypto comes in — but there is no additional charge attached to the category itself.
For most people this is a rounding error. For a media buyer it is not. A surcharge of even one or two percent applies to every reload you ever make, against budgets that are usually the largest number in the business.
What you actually pay
- Depositing crypto into your account
- A percentage, once
- Moving that balance onto a card
- No further percentage
- Paying an advertising platform
- No surcharge
- Currency conversion when you spend
- Issuer rate, no markup
Exact amounts, including the one-off cost of issuing a card, are on the fees page.
Getting set up
From stablecoins to a funded ad account
- 1
Deposit USDT or USDC
Send a supported token to the deposit address for that asset and network in your account wallets. It credits once the network confirms.
- 2
Open a card for the ad account
Request a virtual card from your account. Most media buyers run one per ad account or per client rather than a single card behind everything.
- 3
Move budget onto the card
Top the card up from your account balance. Keeping the balance close to the week's planned spend limits what any one card can cost you.
- 4
Add it as the payment method
Enter the card details in the ad platform's billing settings the way you would with any other card.
- 5
Reload as budgets move
Top up when you scale a campaign, and unload back to your account when you pause one. Balances move in both directions.
One thing worth being straight about
Whether a particular ad platform accepts a particular card is decided by that platform and the state of your advertising account, not by us. That is true of every card, and any provider promising guaranteed acceptance on Meta, Google or TikTok is promising something they do not control. What we can tell you is that the card is a virtual card that works at online merchants worldwide and carries no advertising surcharge, and that if a card is ever declined the balance is still yours to unload or spend elsewhere.
If you are new to funding a card with crypto, the funding walkthrough covers the deposit step in more detail, including the network mistake that costs people money.
Running it day to day
Built for reloading, not for one-off purchases
A card per ad account
Running one card behind every account means a single decline or compromise touches all of them, and it makes spend impossible to attribute. Separate cards keep each account's budget and history distinct.
Freeze the moment an account looks wrong
Freezing stops spending immediately and leaves the balance in place. If an ad account is compromised or a campaign is running away from you, that is a one-click stop rather than a support ticket.
Pull budget back when a campaign pauses
Unload a card back to your account balance and put it somewhere else. Money committed to a paused campaign is not stuck sitting on a dormant card.
Reconcile without waiting for a statement
Transactions appear against each card as they clear, so platform spend can be checked against your own numbers while the campaign is still live.
Running media for other people? The partner program pays a recurring share of the fees generated by anyone you bring across, which suits agencies putting several clients on the platform.
Ad spend FAQ
Questions about funding ad accounts
Ready when you are
Start spending crypto like cash
Create your PayNovaX account, fund a card, and make your first purchase.
Create account