Intergiro
Intergiro is a B2B card-issuing BaaS (visa/mastercard) issued on Mastercard, rated 5.6/10 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.
Intergiro is the strongest fit for ad spend and app store / play, and asks for business KYC at signup — we carry it at low-medium (EEA-licensed BaaS, PCI-DSS) 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 | Intergiro · B2B card-issuing BaaS (Visa/Mastercard) |
| Official site | https://intergiro.com |
| Best for | Ad spend · App Store / Play |
| Network | Mastercard |
| Rating | 5.6/10 (3.0★, 237 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Per-issuance (plan-based; Starter £16.49/mo, Growth £42.53/mo) |
| Monthly / annual fee | Starter £16.49; Growth £42.53; Enterprise custom |
| FX / conversion fee | Competitive rates (not publicly itemized) |
Verification and risk
| KYC required | Yes (business KYC/AML via platform) |
| Risk level | Low-Medium (EEA-licensed BaaS, PCI-DSS) |
| AVS check | Yes |
| 3-D Secure | Yes (3DS via issuing platform) |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes (SEPA, SWIFT, multi-currency IBAN) |
| Alipay / WeChat Pay | No |
| Cards per account | Unlimited virtual cards |
Billing
| Billing address | Business |
| Billing country | EEA (EU) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes (Apple/Google Pay tokenization) |
| Meta / Google Ads | Yes (general business spend) |
What the issuer states on its own site
- Intergiro was criticised in 3 areas: the business wide risk assessment document was deemed to lack detail, some KYC files on high risk clients needed more detail and police reporting was often late and sometimes missing.
- Only the same administrative shortcomings mentioned in the original March 2023 criticism: a risk assessment document deemed insufficiently detailed, some KYC files needing more depth, and police reporting that was slow or incomplete.
- The company's complex treasury and customer operations processes were immediately incapacitated, with the best part of €1bn of monthly customer payments halted at various stages of the payment journey.
Source: https://intergiro.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 536412 | Mastercard | EEA (Europe) | Debit | 158 | 114 | 72.2% |
We logged 114 cleared charges out of 158 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
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Intergiro cost to run?
The cost lines stack like this: issuing it costs Per-issuance (plan-based; Starter £16.49/mo, Growth £42.53/mo); the recurring charge is Starter £16.49; Growth £42.53; Enterprise custom; conversion is priced at Competitive rates (not publicly itemized). 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 Intergiro?
Intergiro asks for business KYC at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (business KYC/AML via platform)
How can I fund Intergiro?
You can fund it with bank transfer (SEPA, SWIFT, multi-currency IBAN). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Intergiro need?
Setting it up: the billing address type is Business; cards are issued against EEA (EU); 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 Intergiro work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play, 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 Intergiro trigger 3-D Secure?
Yes. Intergiro 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 Intergiro?
The issuer allows Unlimited virtual cards. 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.