79Card is a virtual credit card platform designed for Chinese cross-border sellers and global-facing enterprises. It supports VISA, Mastercard, and AMEX business cards for international payments and advertising spend.
Platform Overview
According to the official website, 79Card has accumulated over 1,000 registered users, processed more than 50,000 transactions, and achieved $3.8 million in total transaction volume with a 98% payment success rate. The platform offers a bilingual Chinese-English interface tailored to Chinese-speaking users.
Supported Use Cases
Global Advertising Spend
79Card integrates with Facebook, Google, and TikTok Ads. Batch card issuance and flexible quota allocation help advertisers manage budgets across multiple accounts. A multi-BIN strategy significantly improves payment success rates for ad platforms.
SaaS Subscriptions
One-click payments for ChatGPT, Midjourney, AWS, Claude, and other global SaaS tools solve the overseas subscription barrier for users in China.
Cross-Border E-Commerce
Supports procurement on Amazon and eBay with real-time multi-currency settlement, ideal for cross-border sellers.
Global Business Travel
Covers global airline and hotel bookings with real-time exchange rates and no hidden fees.
Card BIN Resource Pool
79Card publicly displays its BIN pool — a rare transparency in the industry. Key BINs include VISA BIN 40024200, Mastercard BINs 54492360 / 54493747 / 54502000 / 558325, plus additional BINs 367172 / 367801 / 658704 / 658705 / 658723. The pool shows over $15.79 million in total transaction volume at a 90.11% success rate.
VIP Pricing Structure
79Card uses a tiered one-time-lifetime VIP model:
- VIP 1 (Free): $0 lifetime, $2.00 per card issuance, up to 100 cards, standard limits.
- VIP 2 ($99 lifetime, most popular): $1.00 per card issuance, up to 1,000 cards, no transaction fees. Currently offered as a limited-time free upgrade for new users.
- VIP 3 ($499 lifetime): $0.50 per card issuance, unlimited cards and limits, all features, plus 30% issuance rebate.
KYC & Compliance
79Card requires KYC verification before use — a standard compliance requirement. The website lists Privacy Policy, Terms of Service, and Compliance Statement documents. Top-up methods include bank transfer and cryptocurrency.
Customer Support
Email: service@79card.com | Telegram: @haoyouqian888 | Hours: 10:00–18:00 Beijing time. Languages: Simplified Chinese, English, Traditional Chinese.
Pros & Cons
Pros: Supports VISA, Mastercard, and AMEX; transparent BIN pool with multiple options; one-time lifetime fees are cost-effective long-term; deep ad platform integration; bilingual interface; free VIP 2 upgrade available now.
Cons: KYC required; relatively new platform with 1,000+ users — long-term stability unproven; VIP 1 free tier has higher card fees at $2.00 per card.
Conclusion
79Card is a solid option for Chinese cross-border sellers needing virtual cards for ad spend and international payments. Its multi-BIN transparency, one-time pricing model, and current free VIP 2 promotion make it worth evaluating. For reliable cross-border payment solutions, visit 79Card during the free upgrade window to test core features at no cost.
Chinese 
English