Blackcatcard vs Pikabao
Both Blackcatcard and Pikabao clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Blackcatcard issues on Mastercard and Pikabao on Visa · Mastercard (20 BIN options:; verification is ID + proof at Blackcatcard versus No KYC at Pikabao; only Blackcatcard funds by bank transfer.
Pikabao is the more cost-effective option for everyday spending and travel thanks to its no monthly fee. Blackcatcard is the better fit for power users who need bank-transfer funding.
The head to head
| Field | Blackcatcard | Pikabao |
|---|---|---|
| Card network | Mastercard | Visa/Mastercard (20 BIN options: 9 US + 11 HK) |
| Card type | Crypto Card | Anonymous VCC |
| KYC | ID + proof | No KYC |
| Card issuance fee | Free | $2-3 (US card); $0.10-$0.50 (US per-card); 10U (HK card) |
| Monthly fee | Free (1 card); €2/mo (2+ cards) | Free (no monthly fee) |
| Top-up fee | — | 3% (USDT top-up) |
| FX fee | — | $0.10/transaction + 0.5% FX (interbank+$0.5%) |
| Crypto funding | Yes (BTC/ETH/USDT) | Yes (USDT TRC20/BSC; TON) |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Low-Medium | High |
| Our rating | 8.2 | 9.0 |
| User reviews | 270 | 627 |
| Best for | App Store / Play · Free issuance | All-rounder · Ad spend |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The two, compared
- Budget-led users will lean to Pikabao: the running cost is the lower of the two.
- Multi-task users get more from Pikabao — it clears more of the checkouts we run through our test suite.
- Pikabao asks for less verification up front, which matters if you want a card live the same day.
- Pikabao edged Blackcatcard on our composite rating across fees, risk and merchant tests.
- If risk rating weights your choice, Blackcatcard is the calmer of the two.
What sets them apart
Run the numbers against your own usage. Pikabao runs about $2 to create plus a 3% top-up per top-up; Blackcatcard runs free plus no top-up fee. For one or two subscriptions the first column wins; for bank-transfer funding, the second does.
Questions people ask
That depends on what you spend on. Blackcatcard scores 8.2/10 against Pikabao's 9.0/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Pikabao works out cheaper: free account maintenance. Blackcatcard adds $1.09 a month.
Blackcatcard asks for ID + proof at signup; Pikabao asks for No KYC. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 1 of the same test scenarios, including PlayStation Network. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Blackcatcard and Pikabao both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🎮 Gaming 1
Their BIN ranges
Cards issued in 🇪🇺 Europe (EEA) · 🇺🇸 US — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: