From nothing to 10% a load, $500 before anyone asks, and the single one that puts refunds back on the card
From nothing to 10% a load, $500 before anyone asks, and the single one that puts refunds back on the cardREGISTER 
LOAD GENERATE SPEND REFUND
Five steps between an email address and a working card. Every provider below gets you further along that line than the last one, and every price is the one they print themselves.
Goes the whole way
UMVA Card — no documents, funded by an ordinary card or a bank transfer, pick Visa / Mastercard / Verve and the BIN, 3DS 2.0, subscriptions, and refunds land back on the same card.
$10 issue · $1 processing · 10% per load · $0 monthly · $0 FX · $10 minimum
UMVA — the refund rule in full, the ceilings, and the two things it stays quiet about
The refund rule, and it is the only one written down anywhere: a merchant refund goes back to the same card within 3–10 business days and becomes spendable on that card again. Disputes and chargebacks are not offered — you go to the merchant. Keep your refund rate under 15%.[1]
Documents, in their words: “No KYC is required… you do not need to upload any identification documents, provide your address, or complete any verification process.” The terms still want 18+, accurate details, and allow suspension for fraud or chargeback abuse.[2]
What you get: a 16-digit number, expiry, security code and a billing address in the dashboard. You choose the network and an available BIN; the numbers generate themselves.
Ceilings: $25,000 per transaction and per day · $150,000 a month.
The two silences: no issuer or BIN sponsor is named, and at expiry the balance moves to a new card or “your UMVA account” — with nothing documented about getting it from there to a bank.
The guide and the live FAQ disagree on issuance pricing; the FAQ says it varies by BIN. Take the checkout total as the real one.
Gets you a card for nothing
Payzocard — Mastercard and Visa, one-time or reloadable, and the only shelf here where the entry cards cost nothing at all to issue or load.
Single $0 · Multi $0 issue, load and unload · Gold €40 + 10% · out at 5%
Payzocard — the whole price list, the caps, and the line its own privacy notice adds
Virtual Single: $0 issuance, $0 monthly, $0 purchase fee · six-month validity · €/$2,500 cap.
Virtual Multi: $0 issue, load, unload and monthly · six-month validity · €/$5,500 cap.
Gold Visa / Mastercard: €/$40 issue · 10% load · no monthly or transaction fee.
Starter packages: $10 buys $5 of balance, $21 buys $15.
Money out: Perfect Money or UK Faster Payments, 5%. Crypto in costs 8%.[3]
3DS is offered, and the FAQ says the authentication code can arrive by Telegram.[4]
The card page says no verification is needed; its own privacy notice says it may collect a passport and utility bill, and mentions fraud-prevention and credit-reference agencies. Both sentences live on the same site.[5]
Gets you $500 before anyone asks
PST.NET — 20+ private BINs, card types built for ad accounts, nothing charged on transactions or withdrawals.
$7 issue · $7 monthly from month two · 0% transaction · 0% withdrawal
PST.NET — where the wall sits, what the wallet runs on, and which merchants are closed
The threshold, straight from the binding terms: an unverified account is capped at $500 in aggregate. Past that, verification is required — passport, licence or national ID, proof of address, an SMS check, and at their discretion further documents or photo and video.[6]
The wallet is Bitcoin-denominated in those terms: topped up in BTC, withdrawn in BTC.
Closed merchant categories: money transfers, quasi-cash, gambling, dating, brokerage.
Card prices vary by type — the Facebook card is $10 rather than $7.
Registers on a phone number
Payyzi — account opens on a phone number, funded by mobile money including M-Pesa, bank transfer or crypto. Network, issuer, fees, refunds and withdrawals are all unpublished.
Veece — prepaid Visa, funded by debit card, bank transfer, mobile money or a bill-payment terminal. The page below the headline asks for a local number and an ID or passport.
Qwikvcc — Visa and Mastercard across several BIN categories, subscriptions marketed; its own banking flow says “fill in basic details and submit KYC.”
Two things nobody on this shelf offers: a direct PayPal top-up, and a published list of which countries can actually register — every “150+ countries” line refers to where the card is accepted, which is the network’s promise, not the provider’s.
⛔ Eleven that look the part — one line each, so nobody spends twice
CardUpNow — email-only claim, but the fee page is non-refundable activation, deposit, card and withdrawal charges, funded by crypto or “approved” methods.
Vizocard — no-ID marketing, crypto funding on its own price page.
Vizovcc — email-only basic tier, primary funding crypto, verification above $5,000.
VirtualCards.com.co — no-verification Mastercard claim, crypto or cash only, and its certificate has expired so browsers refuse it outright.
No Name Cards — bank transfer and crypto, but verification “varies by use and volume.”
Card Veritas — cash, bank and card loading, issuance subject to digital identity validation.
IronVest — masked cards, not a loaded balance; needs a real funding card underneath.
SolvoCard — crypto only, and $99 to issue.
Pay With Anon — crypto only, balances cannot be withdrawn, no 3DS.
Azul Card — anonymous Visa and Mastercard claim, crypto top-up only.
Bankoff — dead. Visa and Stripe suspended its cards and wallets ended up near-empty. A live-looking page is not a live route.
Open the cheap one first. Learn what it does with your money before you give it any more.
UMVA FAQ and the card guide. ↩︎
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