A niche virtual-card service for online/media-buying use cases with crypto funding - usable for its purpose, but tier subscriptions, per-card fees and the niche positioning make it a poor general spending card.
by the cryptodebitcards editorial desk · review version 4 · prose updated 2026-09-21 · facts as of 2026-09-21 · how we verify
Overview
PST.NET homepage - live capture 2026-09-19
The PST.NET card is a virtual, prepaid Visa card provided by a crypto-native company. It is designed for online and media buying use cases, with funding available in USDT and BTC. The card requires full KYC execution via Sumsub with automated ID and biometric verification.
Fees & Costs
The PST.NET card has various fees associated with its use. While account top-ups are fee-free, loading a card from the account may incur a fee, which depends on the card type, with a minimum of $1. Cross-border transactions carry a fee of 1%-3%, with a minimum of $0.50 or $1.00. Other fees, such as monthly, top-up, ATM, and inactivity fees, have not been verified.
KYC & Onboarding
The PST.NET card requires full KYC execution, which is performed via Sumsub with automated ID and biometric verification, as well as real-time AML transaction monitoring. The KYC trigger and process details are not fully specified, but the site-wide footer indicates that full eKYC execution is required.
Coins & Top-up
The PST.NET card supports direct loading with USDT and BTC. There is no support for lightning transactions. The minimum top-up amount has not been verified. Card funding is documented, with a catalog of 20+ card types in USD and EUR, and 22 BINs.
Rewards
The PST.NET card offers a cashback reward of 3% on Google and TikTok advertising spend, but only for users with a PST Private subscription. This cashback is capped per plan, with a minimum of $0.10 per transaction, and is not available on Ultima cards. There is no general-spend cashback on the base product.
Reliability & Red Flags
The operator of the PST.NET card has a reputation as an established virtual-card-for-media-buying service, but there are documented red flags, including a 2023 bitcointalk case where $27,500 in BTC was withheld after completed KYC and account deletion, and a complaint pattern of blocked cards and top-up demands. The operator's transparency is also weak, with a virtual office address alleged and Canada registration claimed.
Verdict
The PST.NET card is a niche virtual-card service for online and media buying use cases with crypto funding. While it may be usable for its intended purpose, the tier subscriptions, per-card fees, and niche positioning make it a poor general spending card. Users should be aware of the potential risks and red flags associated with this service.
What works
USDT/BTC funding on virtual Visa
Established in its niche (media buying)
What to watch
Subscription-tier pricing on top of fees
Niche tool, not a general spending card
No cashback
Custodial balances with opaque operator
Fee reality check
FX fee
1%
Fine print
Official FAQ (pst.net/api/faq-categories JSON, 200 on 2026-09-20 - the content API behind the JS-rendered FAQ page): ACCOUNT top-ups are fee-free ('Adding funds to your PSTNET account is fee-free'); loading a CARD from the account 'may incur a fee, which depends on the card type. This fee is never less than $1' - the per-card-type rate is only shown inside the dashboard, so no public top-up percentage exists (fee_topup_pct intentionally unset). Card-to-card transfers carry the same fee as a regular top-up; moving card balance back to the account is free (up to 12h). Cross-border: cards are USD cards issued by US partner banks; international transactions carry 1%-3% depending on the issuing bank, minimum $0.50 (<$5) / $1.00 (>=$5) - basis for fee_fx_pct = 1 (range start). Card pricing from $1 (FAQ) / Ultima 'from $7' (site); monthly maintenance equals the card's issuance fee (first month included, then charged every 30 days) - card-type-dependent, no single value. Site-wide marketing claims: 0% transaction fee, 0% declined-payment fee, 0% withdrawal-from-card fee, 0% refund fee. No physical cards ('Not at the moment'); no ATM use documented anywhere - virtual-only ad-spend product. Account withdrawals: USDT-TRC20 only, min $10, free, manual review up to 14 days. Prohibited-use charge: 30% of transaction value, min $5. PST Private subscription: lower top-up fees, monthly free-card quota, 3% ad-spend cashback, express withdrawals.
Based on our checks as of 2026-09-21: PST.NET scores 4.2/10 in our weighted review. We logged 3 red flags (listed above). User reports and the operator background are documented with dated sources in the meta-review below.
Is KYC required?
Yes, full KYC execution is required via Sumsub with automated ID and biometric verification.
What fees does it charge?
The card charges a fee for loading, which depends on the card type, with a minimum of $1, as well as cross-border transaction fees of 1%-3%.
Which coins can you load?
The card supports direct loading with USDT and BTC.
Does it pay cashback?
Yes, the card offers 3% cashback on Google and TikTok advertising spend, but only for users with a PST Private subscription.
Which regions does it serve?
The card is available globally.
Is it safe/legit?
The service has documented red flags, including a 2023 bitcointalk case and a complaint pattern of blocked cards and top-up demands.
Is the card physical or virtual?
The card is virtual-only, with no physical cards available at the moment.
The meta-review: what the internet says about PST.NET
We do not expect you to trust us. This review is a meta-review: below you see what other review sites claim, what users report on Reddit and forums, and who actually operates PST.NET - including the issuing structure behind the card. Every claim links to its source so you can verify it yourself. Our verdict forms from these sources plus our own fact checks - not the other way around.
What other reviewers say
Heads-up: most crypto card "reviews" are affiliate content. We mark our reliability judgement on every source and include critical voices deliberately.
No third-party reviews with usable evidence found yet. In this niche that is itself a signal - most "review" sites are affiliate placements.
What users say (3)
Reddit, forums, complaint boards. Anecdotes, not proof - but patterns across threads are the best early-warning system this industry has.
Documented single case: user accidentally sent $27,500 BTC (intended $120); withdrawal refused/hindered (min $300, USDT-TRC20 only, 14-day processing); after full KYC (Sumsub, US ID, source-of-funds) the account was DELETED with $591 balance + $27,500 pending withdrawal withheld; user says the AML report was fabricated (own chain checks clean) and traces office to a virtual REGUS address with 'roots back to Russia'; company described as legally registered in Canada. 889 reads, 3 pages.
r/Scams discussion of virtual-card scam patterns in PST context (per search result).
Who is behind PST.NET?
Card programs stand and fall with their operator and BIN sponsor. This is what we could verify - with sources. Confidence: unknown operator (checked 2026-09-18).
Generated by Llama on 2026-09-21 from our fact database plus the 9 linked sources above. It summarizes - it does not add facts. Check anything that matters against the linked sources.
Bottom line: PST.NET is an active virtual-card-for-media-buying service with USDT/BTC funding and full Sumsub eKYC. However, there are documented complaints and a scam accusation, which may raise concerns about the service's reliability. The service is usable for its niche purpose but has limitations and potential risks.
The fee reality: The service claims to have 0% transaction fees, but there are fees associated with loading cards, which depend on the card type and are at least $1. Cross-border transactions carry a 1%-3% fee, and there is a 30% charge for prohibited use with a minimum of $5.
KYC and coins: PST.NET has full eKYC execution through Sumsub, with automated ID and biometric verification, and real-time AML transaction monitoring. The service supports USDT and BTC, with USDT-TRC20 being the only option for withdrawals, which are subject to a minimum of $10 and manual review up to 14 days.
What reviewers say vs what users say: There is a conflict between the service's official claims and user complaints. While the service advertises 0% fees and convenient features, users have reported issues with blocked cards, top-up demands, and withdrawal restrictions. A documented scam accusation and complaint pattern raise concerns about the service's trustworthiness.
Who issues it: The operator of PST.NET is unknown, with the company claiming to be registered in Canada but having a virtual office address. The service is issued in partnership with US banks, with cards being USD cards.
Sources & how this review was built
Every external source used on this page, with the date we fetched it. Methodology: how we verify. Sources disappear or change - if a link is dead, tell us via contact.
A heavily-marketed APAC crypto card whose fees and terms we could not independently verify (bot-blocked pages) - a verify listing: confirm the current fee schedule and issuer on their terms page before loading funds.
A self-custody stablecoin banking app whose Visa card (issued by Wirex) is live and documented: 1-8% cashback tiers, free virtual card, Apple Pay/Google Pay, EUR 30k/month limits, up to 5% APY. The rewards are real but tier-gated by $COCA staking and monthly claim caps; the '0% FX' marketing does not survive independent measurement (1.18% spread), and the no-CRS/DAC8 claim deserves skepticism.
Full KYC8% backphysical cardself-custody
0% load · 0% FX · 8% back
EUR 30,000 (plus EUR 75,000/quarter and EUR 100,000/6-month caps)Crypto-native 3 d ago
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