What Is ZikCards?
ZikCards (zikcards.com) issues US Visa and Mastercard virtual cards that are paid for with stablecoins. A user tops up a ZikCards balance with USDT or USDC, verifies their identity once, and then creates cards that work online anywhere Visa or Mastercard is accepted. The cards are aimed at payments that local bank cards often get refused for: ad platforms, cloud bills, AI tools and subscriptions.
ZikCards is run by Rab Technologies & Traders LLC, a company registered in Wyoming, United States, under entity number 2025-001806835. Its About page says the cards are issued in the United States on Visa and Mastercard credit BINs through a licensed issuing partner. The word "credit" refers to how the card range is registered with the networks. ZikCards does not lend money, and every card spends only what is loaded onto it. The site is available in English and Russian.
Funding With USDT or USDC
Stablecoins are the only way to add money. In the Add Money screen the user picks the coin and the network, then sends funds to the address shown. Each deposit address works only on the network it was issued for and stays valid for 20 minutes. ZikCards says TRON and BNB Smart Chain transfers usually confirm within minutes, while Ethereum can take longer when the network is busy. The balance is shown in US dollars once the transfer confirms.
The site also has a free USDT address checker, so an address can be checked before sending. Sending on the wrong network is the main way a deposit gets lost, and ZikCards warns that it cannot always be recovered.
One-Time Identity Check
Before the first card, the user uploads a passport, national ID card or driving licence. The check is done by the card issuer, and ZikCards notes that blurry photos, glare or a cropped corner are the usual reasons it fails. Every card created after that uses the same verification. ZikCards explains that anonymous card programs tend to get shut down by the card networks, and that verifying every cardholder is what keeps its own cards working.
Managing Cards
A user can hold up to 3 active cards at a time and name each one, for example "Meta Ads" or "AWS". A card can be frozen and unfrozen from the dashboard. Closing a card returns its remaining balance to the wallet in full and frees the slot for a new one. Cards last three years from the day they are issued, with no automatic renewal. Cards can be added to Apple Pay and Google Pay, and 3D Secure is supported on supported cards. Card numbers are shown from the issuer's secure vault and are not stored on ZikCards' servers.
Key Use Cases
Paying for ad accounts.
ZikCards' FAQ says the card is added in Google Ads, Meta Ads Manager or another ad platform like any other card, using the billing address shown on the card's page. It recommends one card per ad account, so one client's spend never affects another's, and keeping the balance above the next bill.
Separate budgets for campaigns and clients.
Each card has its own balance, so a test budget can be loaded onto one card and nothing more can be spent. When a test ends, closing the card stops new charges and sends what is left back to the balance.
AI tools and SaaS.
The homepage lists subscriptions to OpenAI, Claude, Gemini and Perplexity, along with AWS, Azure, hosting and developer tools billed in US dollars.
Subscriptions and trials.
Giving each subscription its own card means a forgotten trial can be stopped by closing that one card, without affecting anything else.
Games, app stores and suppliers.
ZikCards also lists PlayStation, Xbox, Steam and app store payments, plus paying Alibaba, AliExpress and print-on-demand services in US dollars.
Free ad and card tools.
The site has free calculators for break-even ROAS, CPM, CPC, CTR, CAC and LTV, Meta, Google and TikTok ad budget calculators, plus a BIN lookup and an MCC lookup for checking how a merchant is categorized.
How ZikCards Works With CatProxies
ZikCards pays for the ad account or tool. CatProxies supplies the proxy, which decides the IP address and location the platform sees when that account logs in. Both come up in the same setup: someone running several ad accounts usually keeps each one in its own antidetect browser profile, with its own card and its own proxy.
| Task | ZikCards role | CatProxies role |
| Paying for an ad account | The card is added as the payment method in Google Ads, Meta Ads Manager or another platform | Not involved |
| Running several ad accounts | One card per ad account, each with its own balance | Gives each account its own IP |
| Keeping an account long term | Cards last three years and can be frozen when needed | Static ISP proxies keep the same IP at every login |
| Testing a new market | A card loaded with the test budget only | Residential IPs in the target country to see the ads and pages local users see |
| Paying for tools and AI subscriptions | A separate card for each tool, closed when the tool is no longer used | Not involved |
CatProxies plans export ip:port:username:password credentials over HTTP and SOCKS5. The proxy goes into the antidetect browser profile or the app the account is used in, with one proxy for each account.
There is no technical integration between the two products. A ZikCards user adds CatProxies proxies on their own side, and neither product depends on the other to function.
Who This Is Best For
ZikCards suits media buyers, agencies and advertisers who need US cards for ad platforms, especially those whose local bank cards get declined. Its own testimonials come from media buyers, freelancers paying for many online tools, small businesses and IT managers handing out cards to team members. It also fits anyone who holds USDT or USDC and wants to spend it on services that only take cards.
On the proxy side, static ISP proxies fit ad accounts kept for a long time, because the account keeps logging in from the same address. Residential proxies fit checking ads and landing pages from other countries. Mobile proxies fit accounts that are mainly used from phone apps.
ZikCards is less suited to anyone who wants to fund cards from a bank account or another card, since stablecoins are the only deposit option. It is also not for gambling, betting, crypto purchases, money transfers, cash advances, fuel, transit, taxis, dating services or stored value cards, as payments in those merchant categories are always declined. Residents and nationals of Cuba, Iran, North Korea and Syria, and of the Crimea, Donetsk and Luhansk regions, cannot get a card.
Pricing
ZikCards has no monthly card fee, no account fee and no minimum balance. Each open card keeps $1 that cannot be spent, which is returned when the card is closed. The fees below were listed on the ZikCards pricing page in November 2026.
| Fee | Amount | When it applies |
| Deposit | $1 + 1% | Added on top when funds are added to the balance |
| Card creation | $5 | Once, when a new card is created |
| Card funding | 3% | When money moves from the balance onto a card. Top-ups under $100 also carry $1 |
| Monthly card fee | Free | No charge for keeping a card open |
| Transaction | From $0 | Free on some cards, $0.30 per payment on others |
| Decline | From $0 | Depends on the card and is shown in its fees before it is created |
| Cross-border | From 1.5% | Charged by the issuer on purchases that settle outside the US: 1.5% on some cards, $0.50 + 2.5% on others |
| Withdrawal | $5 + 1% | When funds are paid out of the balance |
As an example from the pricing page, loading $1,000 onto a new card costs $1,035 from the balance: $30 card funding plus the $5 card creation fee. Users loading more than $50,000 a month can contact ZikCards for a lower rate. CatProxies users get $2 off their first ZikCards card with the code CATPROXIES. Fees are set by ZikCards and its card issuer and may change, so check current pricing on the ZikCards website before signing up.
FAQ
Is a ZikCards card a credit card?
No. The cards run on Visa and Mastercard credit BINs, but no credit is offered. Every card is funded in advance from the user's own balance and can only spend what has been loaded onto it.
How is a ZikCards account funded?
Only with USDT or USDC, sent to a deposit address shown in the dashboard. Card payments and bank transfers are not accepted for deposits.
Does ZikCards need ID?
Yes, once. A passport, national ID card or driving licence is checked by the card issuer before the first card is created.
How many cards can one account have?
Up to 3 active cards at a time. Closing a card frees the slot and returns its balance in full. Freezing a card does not free the slot.
Can ZikCards cards be used for Facebook and Google ads?
ZikCards says yes, and that in its own test Google Ads accepted a ZikCards card with no extra check. It also notes that every ad platform runs its own checks on each card and payment, so no card provider can promise a platform will accept a card.
Why was a ZikCards payment declined?
ZikCards lists four common reasons: the card balance does not cover the full amount, the billing address does not match the one on the card's page, a one-time verification code was waiting in the dashboard, or the merchant is in a blocked category.
Is there a discount for CatProxies users?
Yes. The code CATPROXIES gives $2 off the first ZikCards card.
Which proxies work best with ad accounts paid with ZikCards?
One proxy per ad account. Static ISP proxies suit accounts kept long term, residential proxies suit checking ads from other countries, and mobile proxies suit accounts used mainly from phone apps. CatProxies provides mobile, residential, ISP, datacenter and IPv6 proxies, and the right type depends on the platform and how long the account will be used.
Is CatProxies part of ZikCards?
No. CatProxies and ZikCards are separate products with no technical integration. A ZikCards user adds CatProxies proxies independently, and neither product depends on the other to function.
More Virtual Cards Partners
Cryptomus
Pay for ads, subscriptions, and online services with crypto using Cryptomus virtual cards. CatProxies users get free card issuance with promo code CATPROXIES.
