PST.NET review

For media buyers outside the US, with a monthly fee on every card

PST.NET is a virtual card platform for media buyers outside the US, run by an offshore company that verifies every customer but names no card issuer, and it suits teams that need many ad cards far more than anyone who wants a card for personal spending.

Halocard is the better choice for most people: a US-issued Visa credit card for customers in the US and 120+ countries, with a named issuer and cards included in the plan. PST.NET gives you 20+ types of pre-funded card for ad platforms, with no cap on how many you issue, team accounts and up to 3% cashback on ad spend for subscribers. PST.NET doesn't serve US citizens or residents, and its terms say an account is for professional activity such as media buying or affiliate marketing, and is not available for personal, consumer or household use. Each card is billed monthly ($10 for an advertising card and $16 for its Ultima card), moving money onto a card costs 8%, and withdrawals are paid in USDT on the TRC-20 network, after a manual review that can take up to 14 days. Trustpilot shows no score for PST.NET: its profile says the rating is unavailable because of a breach of Trustpilot's guidelines, and that a number of fake reviews were removed. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, funded by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.

Pros

  • Pros: No cap on the number of cards
  • Pros: 20+ card types for ad platforms
  • Pros: Team accounts, an API and a browser extension
  • Pros: Every customer is identity-verified
  • Pros: Up to 3% cashback on ad spend, on PST Private's dearest plan
  • Pros: No transaction fee, at US merchants

Cons

  • Cons: No US citizens or residents
  • Cons: Not for personal use, by its terms
  • Cons: A monthly fee on every card, and 8% to top one up
  • Cons: Crypto in, USDT out: withdrawals reviewed for up to 14 days
  • Cons: Card issuer and founders not named
  • Cons: No Trustpilot score, after a guidelines breach

How much does PST.NET cost?

Each card
$16 a month (Ultima), $10 (advertising)
Topping up a card
8%; 4% to 6% with PST Private
Fee to load $1,000 onto a card
$86.96
Merchants outside the US
1% to 3%

Is PST.NET legit?

Company and country
ADV Summit Advisors Limited, Turks and Caicos Islands
Registration or licence
Fintech, not a bank. Technology partner to its card issuers
Card issuer
Not disclosed
Trustpilot
No score shown after fake reviews were removed (379 reviews)

What PST.NET reviewers report

379 reviews on Trustpilot, which shows no score for this profile. The most common complaints:

Rating withheld by Trustpilot

Trustpilot shows no score for PST.NET, and says it removed fake reviews for the company.

“This company’s rating is unavailable due to a breach of our guidelines.”

“We’ve removed a number of fake reviews for this company.”

Trustpilot's notice on this company's profile, read 12 October 2026

Withdrawals take two weeks

Users report crypto withdrawals held for up to 14 days.

STAY AWAY

“14 days time to process a cryptocurrency withdrawal. Unheard of.”

Trustpilot review, 24 February 2026

Unreliable service - terrible support

“They don't withdraw money, citing the terms of use, which state that withdrawals require 14 days.”

Trustpilot review, 12 May 2026

Card fees not refunded

Complaints about paying to issue a card that then failed at the merchant, with the fee kept.

They mislead with advertising and do not bear any responsibility!

“After that, I completed verification, paid a fee (around $10), and issued the card. … But when I tried to purchase a digital product on Amazon, the payment failed and the order was canceled. … Naturally, I requested a full refund, since this situation is not my fault but rather a failure on the service’s side.”

Trustpilot review, 15 April 2026

$29 for a non-functional card + $143 withdrawal stuck!

“I paid $29 to issue a card that was completely non-functional. … I had to close it immediately, and they refuse to refund the $29 fee for a service they didn't provide.”

Trustpilot review, 4 March 2026

Fees higher than expected

Reviews state that deposit and top-up fees took more of the money than expected.

do not recommend

“They also add a $10 deposit fee along with 8% of the deposited amount on most crypto deposits which is much more than I expected.”

Trustpilot review, 29 July 2026

Worst experience.

“I deposited a total of $25, but was only able to use $6.88 for my purpose. The remaining balance was taken up by fees.”

Trustpilot review, 25 September 2025

Want a card for more than ads? Try Halocard

A US-issued Visa credit card that works like a debit card, with a separate virtual card for each merchant you pay and no monthly fee on any of them. Halocard cards are issued by Third National, a Non-Bank Principal Member of the Visa Network.

Fund it by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.

Get Your Halocard
Halocard on a phone, with Halocard metal cards fanned behind it

How does Halocard compare to PST.NET?

Halocard is the better choice than PST.NET for most people. It is a US-issued Visa credit card for customers in the US and 120+ countries, with a named card issuer, cards included in the plan, and funding by card, bank transfer or crypto.

Better choice
Halocard		PST.NET
EligibilityAdvantage: US residents and residents of 120+ countriesOutside the US and Canada
What the cards pay forAdvantage: Ads, subscriptions, software and shoppingAd spend and business costs
Card typeAdvantage: US-issued Visa credit cardPre-funded virtual cards on Visa and Mastercard
Virtual cardsAdvantage: 3 to 60 cards, included in your planNo cap; each card billed monthly
Funding and withdrawalsAdvantage: Card, Apple Pay, Google Pay, Bank Transfer, Stablecoins & CryptoCrypto: USDT, Bitcoin and other coins
USD bank accountAdvantage: Your own US account and routing numberNone
ControlsAdvantage: Per-card limits, custom name and billing addressPer-card balances, freeze and close
RewardsNo cashback, but a monthly referral commissionAdvantage: 1% to 3% cashback on ad spend, for subscribers
PricingAdvantage: From $12 a month, or free with 3 referralsNo plan; $10 to $16 a month for each card
SupportAdvantage: Chat, email, and phone on every planChat, Telegram, WhatsApp and email
Trust and transparencyAdvantage: A regulated US company and card issuerAn offshore company; issuer not named
See Halocard as a PST.NET alternative

Get a Halocard in under 5 minutes

Sign up from any web browser, with no app to install. Verify in under 3 minutes, add funds by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto, and pay anywhere Visa is accepted.

Cards included in your plan, for ads and everything else.

Get Your Halocard
Halocard on a phone, with Halocard metal cards fanned behind it

PST.NET FAQ

Is PST.NET safe?

PST.NET is a live service that verifies every customer's identity. PST.NET is operated by ADV Summit Advisors Limited, a company incorporated in the Turks and Caicos Islands. PST.NET says its cards are issued in US dollars by partner banks in the United States, and names none of them, and its policies describe the company as a technology provider, not a bank, payment institution or money transmitter. Its terms say the money you deposit is not client money or safeguarded funds: it becomes the company's property, and you hold a contractual claim to the same value. Trustpilot shows no score for PST.NET: its profile says the rating is unavailable because of a breach of Trustpilot's guidelines, and that a number of fake reviews were removed. Keep only what you plan to spend in the account.

What is PST.NET?

A virtual card platform for media buyers and affiliate marketers, also written PSTNET. You verify your identity, add money and issue pre-funded Visa or Mastercard cards from a catalogue of 20+ types, including cards made for Google Ads and TikTok Ads, with team accounts, an API and a browser extension around them.

Is PST.NET available in the US?

No. PST.NET doesn't serve US citizens or residents: its site asks every visitor to confirm they are not one, and its restrictions list the United States and its territories, and Canada, among the places it won't open accounts for. Its cards can still pay merchants in the US.

Can I use PST.NET for personal purchases?

Not by its terms. They say an individual account is for independent professional activity such as affiliate marketing, media buying, content creation or app publishing, and is not available for personal, consumer or household use.

Does PST.NET require KYC?

Yes. You can't issue a card until you are verified. PST.NET asks for a government ID, a selfie check, a phone number confirmed by code and proof of address, through its verification provider Sumsub, and says this usually takes less than 24 hours. It may also ask how you plan to use the account and where the money comes from.

Who issues PST.NET cards?

PST.NET says its cards are issued in US dollars by partner banks in the United States, and names none of them. Its terms say the cards are issued by a third-party issuer under a programme PST.NET arranges, and that PST.NET itself does not issue cards.

What fees does PST.NET charge?

There is no plan fee. You pay for each card and pay again to keep it: $7 a week, $16 a month or $99 a year for its Ultima card, and $10 a month for an advertising card. Moving money onto a card costs 8%, so loading $1,000 costs $86.96, and merchants outside the United States cost 1% to 3%. PST Private, its subscription, costs $10 to $499 a month and lowers the top-up fee to 4% to 6%.

How do you fund PST.NET?

With crypto. Its deposit screen lists USDT, Bitcoin and 16 other coins, with no card or bank method. Each USDT credits $0.99, other coins are converted to USDT first, and money then costs 8% to move onto a card.

How long do PST.NET withdrawals take?

Up to 14 days. By its FAQ, withdrawals are paid in USDT on the TRC-20 network, after a manual review that can take up to 14 days. You can withdraw only money you deposited yourself, and the minimum is $10. Moving a card's balance back to your account first takes up to 12 hours.

What happens to a refund on a closed PST.NET card?

It depends on when it arrives. PST.NET's rules say a merchant refund that arrives more than 30 days after you close a card is treated as abandoned and kept by PST.NET. A balance left on a closed card has the same 30 days to be moved back to your account. Wait for any refund before you close a card.

What is PST Private?

PST.NET's subscription for high-volume ad spend, in four plans from $10 to $499 a month. They include 1 to 100 cards a month, cut the top-up fee to 4% to 6%, and pay 1% to 3% cashback on advertising spend, capped each month by plan. Cards issued under a plan are blocked when the subscription ends.

Does PST.NET work with Apple Pay or Google Pay?

No. Its card order form says the card is not compatible with Apple Pay and Google Pay or any other digital wallet, and that trying to link one gets the card deactivated.

Can PST.NET cards be used anywhere?

No. A card made for one ad platform may be used only there, X Ads needs PST.NET's written approval, and its restrictions list merchant categories the cards don't cover. By its rules, a payment that breaches its restrictions can cost 30% of the amount, with a $5 minimum.

Why does PST.NET have no Trustpilot score?

Trustpilot shows no score for PST.NET: its profile says the rating is unavailable because of a breach of Trustpilot's guidelines, and that a number of fake reviews were removed. The profile still lists 379 reviews, 49 of them from the past 12 months.

How do I contact PST.NET support?

By live chat, Telegram, WhatsApp or email. PST.NET lists no phone number, and PST Private subscribers are given a named manager.

Sources

  • PST.NET, homepage: pst.net
  • PST.NET, virtual cards: pst.net/cards
  • PST.NET, Ultima card: pst.net/cards/ultima
  • PST.NET, Google Ads card: pst.net/cards/google
  • PST.NET, PST Private: pst.net/private
  • PST.NET, FAQ: pst.net/faq
  • PST.NET, terms of service: pst.net/legal/tos
  • PST.NET, restrictions: pst.net/legal/restrictions
  • PST.NET, AML policy: pst.net/legal/aml
  • PST.NET, affiliate programme terms: pst.net/legal/affiliate
  • Trustpilot, PST.NET reviews: trustpilot.com/review/pst.net

Disclaimer

Based on public information as of October 2026 (see Sources above); PST.NET's products, fees and terms may change, so check before you decide. Halocard publishes this page and makes one of the products compared, so verdicts and ticks are our opinion. PST.NET, its product names and its logos are trademarks of their respective owners. Their use here does not imply any affiliation with, sponsorship by or endorsement from PST.NET. Quoted reviews are verbatim Trustpilot excerpts of individual experiences, not verified by us. Not financial, legal or tax advice.

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