PCS
PCS is a prepaid / gift issued on Mastercard, rated 7.0/10 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.
PCS is the strongest fit for no KYC, and asks for no KYC at signup — we carry it at low 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 | PCS · Prepaid / Gift |
| Official site | https://mypcs.com |
| Best for | No KYC |
| Network | Mastercard |
| Rating | 7.0/10 (3.5★, 631 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | €4.90 (Virtual card); €9.90 (physical Black) |
| Monthly / annual fee | €1.50/mo (Virtual); €2.00 (Chrome); €3.50 (Absolut) |
| Top-up (deposit) fee | Not applicable |
| Minimum deposit | Not applicable |
| FX / conversion fee | N/A (France/DOM-TOM focused; no foreign use on anonymous tier) |
| Declined transaction fee | Not applicable |
Verification and risk
| KYC required | No KYC ··· |
| Risk level | Low |
| AVS check | Yes (US AVS) |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Multiple |
Billing
| Billing address | US General |
| Billing country | United States |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | No |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 238874 | Mastercard | United States | Prepaid | 207 | 148 | 71.5% |
We logged 148 cleared charges out of 207 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Issuing country
Other Mastercard virtual cards
Frequently asked
What does PCS cost to run?
The cost lines stack like this: issuing it costs €4.90 (Virtual card); €9.90 (physical Black); the recurring charge is €1.50/mo (Virtual); €2.00 (Chrome); €3.50 (Absolut); top-ups cost Not applicable; conversion is priced at N/A (France/DOM-TOM focused; no foreign use on anonymous tier); you need Not applicable 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 PCS?
PCS is a no-KYC card, so the account opens without an ID check. Cards in that tier decline more often at strict merchants, which is the trade-off you are taking.
How can I fund PCS?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does PCS need?
Setting it up: the billing address type is US General; cards are issued against United States; 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.
Will PCS trigger 3-D Secure?
Yes. PCS 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 PCS?
PCS allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple. Multiple numbers under one account is the practical pattern here, so a single merchant 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.