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Pay2.House
Pay2.House is a virtual card service for businesses, media buyers, teams, and digital specialists who need reliable cards for paying for advertising and various online services.
2022
Founded
$5
Min. plan
Unlimited
Virtual cards
WORLD
Promo code — $15 bonus
Platforms — 4
Web DashboardAPIVirtual Cards3D-Secure
About the service
Virtual cards built for advertising and online payments
Pay2.House provides virtual cards for working with advertising platforms such as Facebook Ads, Google Ads, and TikTok Ads. They are also suitable for paying for ChatGPT, Claude, Gemini, Apple Developer, AWS, Amazon, subscriptions, and many other online services. Launched in 2022, the service is built around a high transaction success rate and stable card performance — especially important when launching and scaling advertising campaigns.
The Pay2.House balance can be conveniently topped up via USDT TRC20, making the service a practical solution for users who work with cryptocurrency. Pay2.House is suitable both for individual specialists and for teams that need to use multiple virtual cards for different advertising accounts, services, and payment tasks.
Score breakdown
Detailed performance metrics
8.9/10
Card issuance speed
9.4
Fees & transparency
8.6
Ad-payment success rate
9.0
API & automation
8.8
Compliance & no-KYC access
8.5
Pros
✓Fast card issuance for just $5, ready within minutes, no setup costs
✓Unlimited virtual cards, with limits of up to $100,000 per card
✓Free internal transfers between Pay2.House, Push.House, and Cloaking.House accounts
✓Full Merchant API for automated card issuance and management
✓20% discount on issuance when ordering 100+ cards
✓Standard Cards available without KYC, with 3D Secure on all cards
Cons
✕$5/month maintenance fee per card adds up quickly with larger card volumes
✕$50 minimum top-up per card, plus a 4% top-up fee and 3% refund fee
✕Only 3 funding currencies supported (USD, EUR, USDT) — no GBP, CAD, AUD, or JPY
✕No direct bank card top-up — funding only via crypto, SWIFT, SEPA, or Capitalist
✕Service availability is restricted in some countries
Platform support
Web dashboard, API, and worldwide card coverage
Cards are issued and managed through the web dashboard, with a Merchant API available for automated issuance and management after verification. Balance top-ups are supported via USDT (TRC20), Capitalist, SWIFT, and SEPA transfers.
Pricing — 2
$5/card
Card issuance & maintenance
$5 issuance + $5/mo maintenance · 20% off 100+ cards
4% / 3%
Top-up & refund fees
$50 min top-up · 4% top-up fee · 3% refund to balance
There are no tiered plans — a single fee schedule applies to every account: $5 to issue a card plus $5/month maintenance, a $50 minimum top-up, 4% top-up fee, and 3% refund fee. Ordering 100+ cards at once gets a 20% discount on issuance. Internal transfers between Pay2.House, Push.House, and Cloaking.House accounts are free. Use promo code WORLD at signup for a $15 bonus.
Supported use cases — 8
Facebook / Google / TikTok / YouTube AdsChatGPT, Claude & Gemini subscriptionsHosting & proxy servicesApple Developer, AWS & Amazon paymentsMass payouts to freelancers & affiliatesMulti-buyer team budget managementInternational contractor paymentsGeneral SaaS subscriptions
Prohibited — 6 types
Gambling / betting merchant categoriesMoney transfers, quasi-cash, brokerageAdult content / escort servicesIllegal or fraudulent activitySanctioned countries or entitiesAML/KYC or platform policy violations
Editorial review
Our verdict on Pay2.House
8.9
AffMarketing score
Pay2.House keeps its pitch simple: cheap, fast virtual cards for anyone paying for ads or online services. At $5 per card with no setup fee and issuance in minutes, it removes the friction that slows teams down when they need a fresh card for a new ad account or a subscription. The lack of tiered plans is refreshing in a category that often buries pricing in confusing plan names — here it is a single, flat fee schedule that applies to every account.
Standard Cards requiring no KYC is a real advantage for affiliates and media buyers who want to get moving quickly, and the 20% discount on bulk issuance (100+ cards) rewards teams running multiple ad accounts in parallel. The Merchant API and free internal transfers between Pay2.House, Push.House, and Cloaking.House accounts round out a stack clearly built with performance marketers in mind.
The trade-off is the accumulating monthly maintenance fee once you are running dozens of cards, plus a $50 minimum top-up and 4%/3% top-up and refund fees that add real cost at volume. Funding is also limited to USDT, Capitalist, SWIFT, and SEPA — there is no direct bank card top-up, which will not suit every user.
CONCLUSION
A straightforward, well-priced option for affiliates and media buyers who need fast, no-KYC virtual cards for ad spend and online subscriptions. Use promo code WORLD at signup for a $15 bonus.
Frequently asked questions
Can I use Pay2.House without KYC?
Yes. Standard Cards and the core functionality are available without verification. KYC is required for Personal Cards, API access and Marketplace.
What is the minimum card top-up?
The minimum card top-up is $50 USD/EUR.
How many virtual cards can I create?
You can create an unlimited number of virtual cards. The number of active cards depends on your available balance.
Do Pay2.House cards support 3D Secure?
Yes. Standard Cards support 3D Secure for online payments.
What is the difference between Standard Card and Personal Card?
Standard Cards are designed primarily for advertising and online business payments, while Personal Cards are intended for everyday spending and additionally support Apple Pay, Google Pay and POS payments.
Is there a promo code for AffMarketingWorld readers?
Yes — use code WORLD at signup to get a $15 bonus added to your balance.
User reviews
What affiliates say about Pay2.House
How it works
Flat-fee virtual cards, no tiered plans
Pay2.House issues a virtual card for $5, active within minutes, with a $5/month maintenance fee and no separate plan tiers to compare. Balances are funded via USDT (TRC20), Capitalist, SWIFT, or SEPA, and top-ups to a card carry a $50 minimum with a 4% fee. Ordering 100 or more cards at once unlocks a 20% discount on issuance.
Who it's for
Media buyers, teams, and digital specialists
Affiliate marketers and media buyers running Facebook, Google, TikTok, and YouTube ad campaigns who need dedicated, disposable cards per account. Teams managing multiple advertising accounts and budgets in parallel. Digital specialists paying for AI tools, hosting, proxies, and SaaS subscriptions without exposing a personal card.
No-KYC access
Standard Cards issue instantly, no verification required
Standard Cards are available without KYC, letting affiliates get a working card in minutes. Verification only becomes necessary for Personal Cards — which add Apple Pay, Google Pay, and POS support for everyday spending — as well as for API access and the Marketplace.
Ecosystem
Free transfers across Pay2.House, Push.House & Cloaking.House
Pay2.House sits alongside Push.House and Cloaking.House in the same ecosystem, with free internal transfers between all three. For affiliates already running traffic through cloaking or push infrastructure on those platforms, moving funds into ad-spend cards on Pay2.House adds no extra transfer cost.
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