Crospay
Crospay is a VCC platform (visa/mastercard, US-based) issued on Mastercard, rated 6.2/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Crospay is the strongest fit for ad spend, and asks for ID + proof at signup — we carry it at medium-high (US-MN registered; KYC clarity limited) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Crospay · VCC platform (Visa/Mastercard, US-based) |
| Official site | https://crospay.cc |
| Best for | Ad spend |
| Network | Mastercard |
| Rating | 6.2/10 (3.0★, 465 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $1.00-$2.00 (tiered: Basic $2, Advanced $1.50, Enterprise $1) |
| Monthly / annual fee | $0 (no monthly/annual) |
| Top-up (deposit) fee | 1.5%-3.0% (tiered: Basic 3.0%, Advanced 2.0%, Enterprise 1.5%) |
| Minimum deposit | No minimum |
Verification and risk
| KYC required | Unclear (not explicitly stated on site) |
| Risk level | Medium-High (US-MN registered; KYC clarity limited) |
| AVS check | Yes |
| 3-D Secure | Yes (Visa/Mastercard 3DS) |
Funding and limits
| Crypto top-up | Yes (USDT, USDC; TRC20, ERC20) |
| Bank transfer | No (crypto deposits) |
| Alipay / WeChat Pay | No |
| Cards per account | 40+ card types; multi-card teams supported |
Billing
| Billing address | Residential |
| Billing country | 200+ countries (global) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| Meta / Google Ads | Yes (optimized for FB/Google/TikTok ads) |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 512605 | Mastercard | Multi-region | Debit | 251 | 182 | 72.5% |
We logged 182 cleared charges out of 251 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Mastercard virtual cards
Frequently asked
What does Crospay cost to run?
The cost lines stack like this: issuing it costs $1.00-$2.00 (tiered: Basic $2, Advanced $1.50, Enterprise $1); the recurring charge is $0 (no monthly/annual); top-ups cost 1.5%-3.0% (tiered: Basic 3.0%, Advanced 2.0%, Enterprise 1.5%); you need No minimum to get going. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Crospay?
Crospay asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Unclear (not explicitly stated on site)
How can I fund Crospay?
You can fund it with crypto (USDT, USDC; TRC20, ERC20). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Crospay need?
Setting it up: the billing address type is Residential; cards are issued against 200+ countries (global); an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Crospay work for subscriptions and AI tools?
We recorded successful charges for Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Crospay trigger 3-D Secure?
Yes. Crospay supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Crospay?
The issuer allows 40+ card types; multi-card teams supported. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.