E.PN | Virtual Cards Reviews 94

TrustScore 4 out of 5

3.8

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Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. They appreciate the user-friendly interface and the speed with which virtual cards can be created. Many consumers highlight the convenience of using virtual cards for online payments, especially in international stores, and feel safer using this service compared to their main cards. The availability of various bank identification numbers is also considered a significant advantage. However, experiences regarding payments, customer service, and pricing appear to vary. While some reviewers praise the fast and helpful support, others express dissatisfaction with the answers received and report issues with declined transactions and account blocks. Some users also mention concerns about hidden fees and commissions, as well as difficulties using the cards with certain services.

Based on these reviews

Rated 4 out of 5 stars

Good application Easy to create card.. user-friendly interface I want to see why sometimes my card blocked and deleted.. I understand why but sometimes want to see some information about it... See more

Company replied

Rated 4 out of 5 stars

Really great app for safe online payments! Virtual cards are created in no time and the interface is super easy to understand. Topping up is simple, fees are low and support replies fast whenever you... See more

Company replied

Rated 5 out of 5 stars

Super easy to start using and getting a virtual card was quick and smooth. At first I thought it would be complicated, but everything worked exactly as expected. Support has been really helpful every... See more

Company replied

Rated 5 out of 5 stars

I use the app for my online shopping and subscriptions and it’s been super convenient. Creating virtual cards with the limits I need is really easy. I’ve already paid in a bunch of international store... See more

Company replied

Rated 1 out of 5 stars

I requested withdrawal of 50$. I've got an answer, where support offers me replenishing my balance to 100$ to withdraw my funds. I didn't get any reasonable answer to my questions. How can I b... See more

Company replied

Rated 5 out of 5 stars

‎Strated using it a month ago for purchasing in online shops. I personally enjoyed simple interface and option to choose a BIN specially for your need. No problems yet and fast payments, thankjs!

Company replied

Rated 5 out of 5 stars

Finally found a reliable virtual card provider for my Facebook ads.Been through so many services but their 2.5% fee is actually the lowest I've found. The instant card creation is super convenient whe... See more

Rated 1 out of 5 stars

It is really easy to sign up, and to get a card doesn't require any form of verification everything just seems too easy, which was my first worry, and as the saying goes if it seems too good to be tr... See more

Company replied

Rated 1 out of 5 stars

SCAM They find a legal way to steel your money!!! On each declined transaction they charge you a 0.2$ as a decline fee. You can look how your balance is dropping. Sometimes system (FB Ads) can... See more

Company replied

Rated 5 out of 5 stars

Very timely customer service! Must give 5 stars! My account was stolen by a scammer (my own fault). I immediately contacted customer service and they responded within a minute. After verifying my depo... See more

Rated 1 out of 5 stars

I have never been so dissatisfied by a virtual card service as I have been with e.pn lately. Why will they refuse to refund my money if they can no longer provide acceptable service? It is better to... See more

Company replied

Rated 5 out of 5 stars

Booked a hotel and payed for dinner in Cambodia on my vacation. Payed for other staff too. Great app, has everything you need. Strongly recommended while on a trip!

Company replied

Rated 5 out of 5 stars

The mobile app works perfectly for me. Get instant notifications for every transaction and the 3DS codes come through fast. Easy to manage everything myself.

Rated 5 out of 5 stars

AS someone running multiple ad campaigns, this virtual card solution is a lifesaver. The instant card creation feature saves me so much time.

Rated 5 out of 5 stars

This platform has been a perfect fir for my marketing company. The digital cards work seamlessly across all platforms, funds are added instantly, and the variety of bank BINs available is major advant... See more

Rated 5 out of 5 stars

Best virtual debit card service I've found for managing multiple advertising accounts. Love that I can instantly create new cards whenever I need them. The mobile app makes it super convenient to moni... See more

Rated 5 out of 5 stars

The way their levels are set up makes it more appealing to stick with them instead of juggling multiple services. It's a smart setup that works in my favour.

Rated 5 out of 5 stars

Lower fees at volume, better support, clean interface. Should have made this move sooner. Highly recommend to others.

Rated 1 out of 5 stars

Hello, first of all, please beware of this company. It's a scam. I worked with them for six months for a small amount of money, and when I paid them $1,800, they closed my account. When I co... See more

Company replied

Rated 5 out of 5 stars

Every payment comes through instantly on my phone. Never miss a transaction and the details are always clear and complete for my records.

Rated 5 out of 5 stars

Props to the team for creating such a user-friendly virtual card service for affiliates. Been using them for 6 months and haven't had any major issues.

Rated 5 out of 5 stars

Managing cards and team access is straightforward for me. Everything is where I'd expect it to be. Good user experience.

Rated 5 out of 5 stars

Super happy with this payment service. The mobile app works great and having access to different bank BINs is clutch.

Rated 1 out of 5 stars

SCAM!!! THEY DO EXIT SCAM!!! They close your account telling you that you broke some ToS and address you to some lawyer. He convivence you to pay extra for the fees!! BULLSHIT. SCAM have been using... See more

Company replied

Rated 5 out of 5 stars

Easy for me to add team members and control their access levels. Good for my growing business with multiple users.

Rated 5 out of 5 stars

Got set up in under 24 hours. Verification was quick and they guided me through everything. No hidden surprises for my setup.

Rated 5 out of 5 stars

Finding reliable payment solutions for digital marketing can be though, but this platform delivery exactly what they promise. The mobile app is smooth and the fees are transparent.

Rated 5 out of 5 stars

Much better than other virtual providers I've tried for digital marketing payments. The app is straightforward, fees are reasonable and I've never had issues with declined transactions on any ad platf... See more

Rated 1 out of 5 stars

Scam. Blocked the account with my money. Support simply ignores and does not respond to messages in tickets

Company replied

Rated 5 out of 5 stars

Finally found a payment processor where support actually understands my business needs. No language barriers when I call.

Rated 5 out of 5 stars

Handling international transactions smoothly. I get solid exchange rates and quick payouts, which really helps keep my business running efficiently.

Rated 5 out of 5 stars

Been using for 8 months, never had downtime during my important sales periods. Very reliable infrastructure for my needs.

Rated 5 out of 5 stars

Most days I don't even touch the web version. The app handles all my daily tasks smoothly and fits right into my workflow.

Rated 5 out of 5 stars

This virtual card service makes everything so much easier. Their platform is stable and the support team actually understands affiliate marketing.


Company details

  1. Card Processing Service
  2. Affiliate Marketing Service
  3. Payment Service

Written by the company

e.PN is a payment service provider built for marketers, agencies and teams that need tight control over spend across ads, subscriptions and online services. You can create unlimited virtual cards, top them up with crypto and use them instantly for online payments and advertising platforms. Issue cards in minutes, fund them in about three minutes and keep your budget under control with low, transparent fees and no hidden charges. Thanks to multiple BINs and wide coverage across banks and countries, you can distribute risk, boost approval rates and mirror your campaign structure in how you allocate spend. A user-friendly app plus Apple Pay and Google Pay support make both your work and your travels more convenient. And with 24/7 support, you’ll spend less time fixing issues and more time scaling what’s working.


Contact info

3.8

Great

TrustScore 4 out of 5

94 reviews

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Rated 1 out of 5 stars

They find a legal way to steel your money!!!

SCAM
They find a legal way to steel your money!!!
On each declined transaction they charge you a 0.2$ as a decline fee. You can look how your balance is dropping. Sometimes system (FB Ads) cannot charge the card without any reason although you have balance on the card.
And after my complain they blocked all my cards.
Avoid if you need this for business. They are not reliable.
Many other options...
I have screenshots if you have any doubts....

5 February 2026
Unprompted review
E.PN | Virtual Cards logo

Reply from E.PN | Virtual Cards

We feel sorry for you facing negative experience using our cards.
Our service is fully transparent for our customers — you may see all possible fees, including partner-bank fees for transaction decline, before issueing a card in your personal account. The $0.2 on declined transactions is direct bank fee.
To reduce the risk of a transaction being declined we also offer no decline rate cards.
We never “steal” or hold user funds for profit and we do not benefit from failed transactions in any way – that would be completely against how our business works.
Blocking cards is always a last-resort risk measure, never a reaction to a complaint. We’d really like to review your specific case in detail. Please contact our support team again, so we can see what happened with your card and find a solution asap.

Rated 5 out of 5 stars

Booked a hotel and payed for dinner in…

Booked a hotel and payed for dinner in Cambodia on my vacation. Payed for other staff too. Great app, has everything you need. Strongly recommended while on a trip!

6 October 2025
Unprompted review
E.PN | Virtual Cards logo

Reply from E.PN | Virtual Cards

Thanks for a review and recommendations! Great to see that our cards can be useful in any situation around the globe.

Rated 5 out of 5 stars

‎Strated using it a month ago for…

‎Strated using it a month ago for purchasing in online shops. I personally enjoyed simple interface and option to choose a BIN specially for your need. No problems yet and fast payments, thankjs!

7 October 2025
Unprompted review
E.PN | Virtual Cards logo

Reply from E.PN | Virtual Cards

We're happy you've appreciated our efforts to create simple user-friendly interface for our app. Thanks for your feedback!

Rated 5 out of 5 stars

Safe & Simple

Super easy to start using and getting a virtual card was quick and smooth. At first I thought it would be complicated, but everything worked exactly as expected. Support has been really helpful every time I reached out - fast replies and clear answers. I always feel safe using the service and my balance is handled perfectly. Definitely a great option if you want a simple and reliable way to pay online!

13 December 2025
E.PN | Virtual Cards logo

Reply from E.PN | Virtual Cards

Thank you for detailed feedback! We’re really glad to hear that getting started felt easy and smooth for you, and quality met your expectations. It’s also great to know our support team was helpful and responsive, they are glad to hear your words of appreciation.

Rated 5 out of 5 stars

I use the app for my online shopping…

I use the app for my online shopping and subscriptions and it’s been super convenient. Creating virtual cards with the limits I need is really easy. I’ve already paid in a bunch of international stores and had zero issues. Great option if you want more control and feel safe with your payments.

7 December 2025
E.PN | Virtual Cards logo

Reply from E.PN | Virtual Cards

Thanks so much for the positive feedback! We're really glad you chose our service for your online shopping. Our goal is to make international payments simple and stress-free, so it’s great to hear it’s working well for you. If you ever need help or have questions, we're always here.

Rated 4 out of 5 stars

Really great app for safe online…

Really great app for safe online payments! Virtual cards are created in no time and the interface is super easy to understand. Topping up is simple, fees are low and support replies fast whenever you need help. Now I can pay online without worrying about using my main card.

5 December 2025
E.PN | Virtual Cards logo

Reply from E.PN | Virtual Cards

Thank you for such a kind review! We are really happy that you admitted speed and simplicity of our service. We always keep our fees competible, so our service continue to make payments easier for our clients!

Rated 4 out of 5 stars

Add TON & Blocked card reason

Good application
Easy to create card.. user-friendly interface

I want to see why sometimes my card blocked and deleted.. I understand why but sometimes want to see some information about it or comment.

Payments in crypto it's brilliant!
Please can you add TON coin to payments system (USDT on TON blockchain) it's more cheap transaction fee

18 August 2025
Unprompted review
E.PN | Virtual Cards logo

Reply from E.PN | Virtual Cards

Thanks for a review. We are happy to receive feedback from our customers and work diligently every day to improve our product. If you have any technical issues, please contact our support team via website or Telegram, we will definitely help you!

Rated 1 out of 5 stars

Scam

Scam. Blocked the account with my money. Support simply ignores and does not respond to messages in tickets

3 August 2025
Unprompted review
E.PN | Virtual Cards logo

Reply from E.PN | Virtual Cards

Hello! We never block users without a reason.

Let us figure out more about your situation by providing us with your email. Will be happy to help you!

Rated 5 out of 5 stars

Very timely customer service

Very timely customer service! Must give 5 stars! My account was stolen by a scammer (my own fault). I immediately contacted customer service and they responded within a minute. After verifying my deposit information, they restored my account and saved me from financial loss. Thank you so much!

18 July 2025
Unprompted review
Rated 4 out of 5 stars

Good company, with an area to improve in Customer Support

Update: Customer Support manager contacted me and solved an issue, along with adding some small compensation.

In the end of the day i actually got exactly what i paid for - valid card for AppStore, though it took some more time and effort than i expected.

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History line:
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TL:DR:
I bought virtual credit card to pay in AppStore - it doesn't work, support don't help and company refuse to refund money.

Long story:

I transferred money to e.pn to purchase a virtual card to use in Apple AppStore.
I bought a card, it's description stated clearly: "This card can be used to pay for any purchases." There were some restrictions, mentioned — but NO restrictions for App Store, which was my intended use.

I received credentials for card, but it doesn't work at all - it's impossible to add it as payment method for AppStore

I contacted support, but they simply replied that they "cannot see any transactions, so can't help" — which is essentially admitting the card isn't functioning but they won’t do anything about it.

What’s worse, I was charged commissions for everything — depositing, buying the card, transferring funds —and received zero value in return.

When I demand for a refund, I was told they could return a some part of my funds (excluding all the commissions), but only if I top up the balance to $100. Why was there no minimum limit for deposit, but now there’s a strange minimum for refund?

This is misleading, unhelpful, and leaves the impression of a scam. I DO NOT RECOMMEND trusting your money to this platform.

11 July 2025
Unprompted review
E.PN | Virtual Cards logo

Reply from E.PN | Virtual Cards

Hello. It is a pity you got into that situation. This often happens when the client does not discuss in advance which card is best for specific tasks, but chooses it himself. Our technical support will contact you to help you solve all your problems.

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