Best virtual cards for e-commerce sellers
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Looking for the best virtual cards for e-commerce sellers in 2026? Compare five cards for global ad spend, supplier payments and platform fees
Key takeaways
- E-commerce sellers managing cross-border operations need virtual cards that support multi-currency spending, low FX fees and team-level controls
- Some virtual cards are built for business use with spend limits and accounting integrations, while others are designed mainly for personal online purchases
- Not all cards support international merchants or multi-currency balances. The availability and currency support vary widely between providers
- The World Card supports spending in 150+ currencies with up to 20 virtual cards per business at zero issuance cost
Most e-commerce sellers running stores on Amazon, Etsy or Shopify are still using one card for everything, including payments to suppliers on Alibaba, Meta ad campaigns, Shopify subscriptions, shipping invoices.
It is a fragile setup for South Asian business in India, Bangladesh, and Pakistan that depends on uninterrupted global payments. The moment your card gets frozen or flagged for a transaction, everything stops working–the ad account goes dark, the supplier shipment stalls and the platform subscription lapse.
With virtual cards, sellers can generate separate card numbers for each platform, supplier or ad account instantly and set per-card spending limits to stop exposing one primary card across dozens of international merchants.
In this article, we compare 9 virtual cards on fees, currency support, controls and availability for e-commerce sellers and businesses managing global payments.
9 virtual cards for e-commerce sellers in South Asia can consider
Let’s compare some virtual cards available in South Asia:
1. World Card
The World Card is a Mastercard-powered virtual business payment card that supports spending in 150+ currencies wherever Mastercard is accepted. Businesses and e-commerce sellers can issue up to 20 free virtual cards per account with separate spending limits. This helps sellers manage card spending across different teams and departments tracking all the spending from one dashboard.
The card is linked directly to the World Account which is a multi-currency account from WorldFirst that allows freelancers, e-commerce sellers and businesses to hold and manage 15+ currencies including USD, GBP, EUR and CNH.
When you make payment in any of these 15 supported currencies through the World Card, there are no fees as long as you have sufficient funds in that currency.
| Fees | World Card |
|---|---|
| Card issuance fee | Zero |
| Annual card fee | Zero |
*Fees checked in May 2026
2. Wise card
The Wise card is a travel card, linked to a personal account and is only available in India.5 It lets you preload you card with 40+ currencies and use it for transactions globally except within India, Nepal and Bhutan.1 Wise also currently lacks Apple Pay and Google Pay support, which may be limiting for e-commerce sellers using platforms that only accept these payment methods.1
Wise Business accounts are available in India but are receive-only–businesses can receive payments but cannot hold or send funds locally.⁴ The Wise Business card is not available in India.
Wise Business is currently not supported in Pakistan or Bangladesh.
→ Take a look at our Wise Card review and World Card vs Wise Card comparison for a deeper breakdown of availability and business features.
| Fees | Wise Business card6 |
|---|---|
| Card issuance fee | Zero |
| Annual card fee | Zero |
*Fees checked in May 2026
3. SadaPay card
SadaPay offers a Mastercard-powered virtual card mainly designed for personal users in Pakistan.7 It supports international online payments and global merchant transactions wherever Mastercard is accepted.7
However, it’s a personal card and does not include business-focused features like multiple team cards, multi-currency balances or operational spending controls for e-commerce businesses.
| Fees | SadaPay card8 |
|---|---|
| Card issuance fee | Zero |
| Annual card fee | Zero |
*Fees checked in May 2026
4. Fasset card
Fasset offers a VISA-powered virtual prepaid card linked to crypto balances.9 Users can top up the card using USDT and make international payments wherever VISA is accepted.9
The card supports Apple Pay and Google Pay alongside real-time freeze controls.9 However, only one virtual card is currently supported per user, which may limit sellers managing separate advertising, supplier or operational budgets.9 The card is currently available only in Pakistan and Bangladesh.9
| Fees | Fasset card9 |
|---|---|
| Card issuance fee | 9.99 USDT |
| Annual card fee | Zero |
*Fees checked in May 2026
5. BRAC Bank multi-currency virtual debit card
The BRAC Bank Virtual Debit Card supports international e-commerce payments, subscriptions and foreign currency transactions from Bangladesh.10
Users can set controls for card limits and card access.10 However, it is primarily designed for individual banking users rather than businesses managing team spending or multiple operational payments.
| Fees | BRAC Bank multi-currency virtual debit card |
|---|---|
| Card issuance fee | Not specified |
| Annual card fee | Not specified |
*Fees checked in May 2026
6. Karsa card
Karsa offers virtual cards for business in Pakistan and Bangladesh. The platform supports payments for Meta Ads, Google Ads, SaaS subscriptions and other international online transactions.11
However, foreign exchange charges may apply when making payments in currencies other than USD.11
| Fees | Karsa card11 |
|---|---|
| Card issuance fee | Not specified |
| Annual card fee | Zero |
*Fees checked in May 2026
7. HSBC Virtual Card
HSBC Virtual Card is designed for businesses managing supplier, platform and operational payments.12Businesses can generate unique virtual card numbers for specific transactions with spending and approval controls.12
The card supports transaction-level controls that lets you manage how/when/where your card is used, but is currently available only in India.12
| Fees | HSBC Virtual Card12 |
|---|---|
| Card issuance fee | Not specified |
| Annual card fee | Not specified |
*Fees checked in May 2026
8. SBI Virtual Debit Card
SBI Virtual Debit Card is a digital-only card linked to eligible SBI savings accounts and supports e-commerce transactions, subscriptions and select international merchant payments.13
However, only one card can be issued per customer and international merchant acceptance may vary depending on transaction type and applicable foreign exchange charges.13 The card is available only to Indian citizens.
| Fees | SBI Virtual Debit Card13 |
|---|---|
| Card issuance fee | Zero |
| Annual card fee | Zero |
*Fees checked in May 2026
9. MTB Virtual Prepaid Card
MTB Virtual Prepaid Card is a prepaid card for international subscriptions, online purchases and e-commerce transactions from Bangladesh.14
However, international usage requires passport endorsement against the card.14 The card is available to Bangladeshi nationals and eligible foreign residents in Bangladesh.
| Fees | MTB Virtual Prepaid Card3 |
|---|---|
| Card issuance fee | Zero |
| Annual card fee | BDT 500 |
*Fees checked in May 2026
Choose the right virtual card for your e-commerce business
The right virtual card for an e-commerce seller depends on how the business manages international operations day to day. Sellers paying overseas suppliers, running Meta ads across markets or managing recurring SaaS subscriptions usually need stronger controls, multi-currency support and multiple cards for operational spending.
As operations scale, factors like FX fees, card availability across South Asia, international merchant support and spend visibility across teams become more important than whether the card itself is free. The best setup is usually the one that keeps supplier payments, advertising accounts and subscriptions running without interruptions.
FAQ
Can I use a virtual card to pay for Amazon seller fees or Shopify subscriptions?
Yes. Many e-commerce sellers use virtual cards for recurring platform expenses such as Amazon seller fees, Shopify subscriptions, SaaS tools and marketplace software payments.
Can I use a virtual card to pay for Google Ads or Meta Ads?
Yes. Many business virtual cards support payments on advertising platforms including Google/Meta. Some providers also allow separate cards for different advertising accounts or teams.
What is the difference between a personal virtual card and a business virtual card?
A personal virtual card is usually designed for individual online spending or prepaid wallet usage. A business virtual card typically includes features like multiple card issuance, spending controls, transaction tracking and support for operational expenses.
Sources:
- https://wise.com/help/articles/1Kthw8UbEl3E5k7jYtdUOx/wise-travel-card-in-india
- https://wise.com/in/
- https://www.mutualtrustbank.com/wp-content/uploads/2025/12/23.12.2025_SOC-of-MTB-Conventional-Cards.pdf
- https://wise.com/in/business/receive-money
- https://wise.com/in/card/
- https://wise.com/in/pricing/
- https://sadapay.pk
- https://sadapay.pk/soc
- https://www.fasset.com/fasset-card
- https://www.bracbank.com/en/product/virtual-debit-card
- https://gokarsa.com
- https://www.business.hsbc.co.in/en-gb/products/virtual-card
- https://sbi.bank.in/web/personal-banking/cards/debit-card/sbi-virtual-debit-card
- https://www.mutualtrustbank.com/cards/prepaid-card/virtual-prepaid-card/
This article is intended for informational purposes only and does not constitute legal advice or professional advice. This article should not be regarded as constituting an offer or a solicitation to buy or sell any regulated or financial products or services. WorldFirst makes no representations or warranties regarding the accuracy, completeness, or applicability of the content, and readers are encouraged to consult with legal professionals or other professionals for advice tailored to their specific situation. WorldFirst does not guarantee the accuracy and completeness of this article and expressly disclaims any and all liability to any person in respect of the consequences of anything done or omitted to be done wholly or partly in reliance on this article.
Hu Wenzhan is the Emerging Markets Country Manager at WorldFirst. He brings expertise across Fintech, Payments, Banking, New Markets Growth to help clients grow their global business.
Hu Wenzhan
Author
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