Pay Store Transfer
Pay Store Transfer (PSTNET) is a Victoria, Canada-based private fintech that issues USD and EUR virtual payment cards tailored for affiliate marketers, media buyers, and digital advertisers, offering 20+ platform-specific card products, subscription tiers, and self-serve onboarding via web and Telegram.
- Company typePrivate
- Founded-
- HeadquartersVictoria, Canada
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Pay Store Transfer does
Pay Store Transfer, operating under the brand PSTNET, is a Victoria, Canada-based private fintech that issues virtual payment cards (VCCs) in USD and EUR, targeting digital advertisers, affiliate marketers, media buyers, and online shoppers. The platform's core product is a portfolio of more than 20 specialized virtual card types — including platform-specific cards for Facebook, Google, TikTok, Instagram, Microsoft, LinkedIn, Pinterest, Reddit, Quora, Taboola, Outbrain, and Snapchat — alongside a universal Ultima card, a Virtual Prepaid card, and a Platinum-status card. The service is built on 3D-Secure authentication, RESTful API access, and real-time transaction monitoring for AML compliance, with eKYC onboarding delivered through a partnership with Sumsub.
The commercial model is a hybrid of one-time card issuance fees ($7–$16 depending on card type), recurring monthly maintenance fees on subscription tiers, and deposit/top-up fees ranging from 2% (Enterprise) to 8% (Universal Card), offset by a 3% cashback on advertising spend for PST Private members. Distribution is primarily product-led growth via a self-serve web/app flow with Telegram bot support, supplemented by an aggressive multi-tier affiliate program offering up to 90% commissions. Customers are segmented into SMB/individual affiliate marketers, professional media buyers, and a smaller Enterprise tier with dedicated Private Managers and exclusive BINs.
PSTNET serves a global customer base (subject to restricted-country exclusions) with disclosed scale signals including 458 Trustpilot reviews, 38 Product Hunt reviews, 59 BlackHatWorld reviews, and 20+ private BINs across USD and EUR. The company does not disclose revenue, funding, leadership, or ownership, and operates with a stated headcount band of 11–50 employees. Its strategic posture emphasizes domain specialization (platform-tuned BINs to minimize ad-payment declines), transparent zero-fee positioning on transactions, and tooling extensions such as the PST Pulse BIN checker and a 3D-Secure browser extension.
Pay Store Transfer firmographics
Firmographics- Name
- Pay Store Transfer
- Website
- https://pst.net
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Pay Store Transfer (PSTNET) is a Victoria, Canada-based private fintech that issues USD and EUR virtual payment cards tailored for affiliate marketers, media buyers, and digital advertisers, offering 20+ platform-specific card products, subscription tiers, and self-serve onboarding via web and Telegram.
- Ownership category
- akta.pro rank
Pay Store Transfer industry classification
Industry- Product category
- Virtual Payment Cards
- NAICS
- Credit Card Issuing (522210)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Virtual Card & Tokenization Schemes (FSAMAAAG)
- akta.pro secondary industry
- Card Issuing & Virtual Cards (lodge cards, single-use, tokenization) (THALAHAB)
Keywords
Where Pay Store Transfer is headquartered
LocationHeadquarters
- HQ city
- Victoria
- HQ country
- Canada
- HQ region
- North America
Markets served
Pay Store Transfer business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Card Issuance Fees: One-time fees for issuing virtual cards, ranging from $7 to $16 depending on card type. Ultima card costs $16, Advertising card costs $10, Virtual Prepaid card costs $7.
- Monthly Subscription/Membership Fees: Recurring monthly maintenance fees for card plans. Ultima card maintenance after first month is $16/month. Advertising card maintenance is $10/month.
- Deposit/Top-up Fees: Fees charged when users deposit funds into their accounts. Enterprise plan has 2% deposit fee. Advertisement Card has 6% deposit fee, Universal Card has 8% deposit fee. $5 fee for deposits under $50.
- Cashback Rewards: PST Private offers 3% cashback on advertising spend (Facebook, Google, TikTok), effectively a cost-reward mechanism that incentivizes higher usage
- Affiliate Program Commissions: Referral rewards where affiliates earn up to 90% commission on exchange transactions, 30% on card issuance, and 10% on top-up fees from invited users across multiple tiers
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Ultima Card - Premium USD card with high status and 3D-Secure |
| Subscription | Monthly | Advertising Card - Specialized for Facebook, Google, TikTok ads |
| Subscription | Monthly | Virtual Prepaid Card - Basic universal virtual card |
| Subscription | Monthly | PST Private - Premium plan with 100 free cards and 3% cashback |
| Hybrid | Monthly | Enterprise Plan - For high-volume clients and ad spenders |
| Transaction based/ take rate | Pay-as-you-go | Affiliate Program - Referral rewards for partners |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
Pay Store Transfer product offering
Product offeringCore offering
Pay Store Transfer (PSTNET) issues virtual credit and debit cards in USD and EUR, providing more than 20 specialized BINs optimized for major advertising platforms including Facebook, Google, TikTok, Instagram, Microsoft, LinkedIn, Pinterest, Reddit, Quora, Taboola, Outbrain, and Snapchat. Cards are issued instantly within one minute of registration, support 3D-Secure authentication, and are accompanied by team management tools, RESTful API access, and a cashback program. The service is targeted primarily at affiliate marketers, media buyers, and agencies that need reliable payment instruments to reduce ad-platform payment bans and manage multi-account advertising spend.
Product overview
Pay Store Transfer (PSTNET) is a virtual payment card platform offering a portfolio of more than 20 virtual card types across multiple tiers. The core offering consists of specialized VCCs (virtual credit cards) in USD and EUR designed primarily for affiliate marketing, digital advertising spend, and online shopping. The product architecture comprises three main subscription tiers — PST Private (100 free cards, 3% ad spend cashback, 20+ private BINs), Ultima (premium USD card with Platinum status and 3D-Secure, $16/month), and Enterprise (high-volume plan with 2% deposit fee and exclusive BINs) — alongside 17 individual ad-platform-specific card products (Facebook, Google, TikTok, Instagram, Microsoft, LinkedIn, Pinterest, Reddit, Quora, Taboola, Outbrain, Snapchat, Advertisement, Platinum, Virtual Prepaid, Payment, and Virtual Debit cards). Supporting tools include PST Pulse (advanced BIN checker) and a Cardholder Browser Extension for 3D-Secure codes. The platform features a transparent fee model with 0% transaction fees, team management capabilities, and an affiliate referral program.
Differentiator
Problem solved
Functional benefit
Products and services
- PSTNET Virtual Payment Card Platform Core platform from Pay Store Transfer offering multiple types of virtual credit cards (VCCs) in USD and EUR for online advertising, affiliate marketing, and general e-commerce purchases, with features including 3D-Secure, cashback programs, team management, and unlimited card issuance. Designed for affiliate marketers, media buyers, agencies, and online shoppers.
- Ultima Card The most advanced USD-denominated virtual card with Platinum Credit status and 3D-Secure technology support, designed for all types of advertisement payments and general online shopping. Card issuance cost and monthly maintenance fee is $16.
- Facebook Card Virtual payment card specifically designed for Facebook Ads, optimized with decline rate and success rate monitoring to minimize payment bans. Available in 20+ BINs in USD and EUR with RESTful API access.
- Google Card Virtual payment card designed for Google Ads with decline rate and success rate monitoring to reduce payment ban risks. Available in 12 BINs.
- TikTok Card Virtual payment card designed for TikTok Ads, including transaction status monitoring to prevent payment bans. Available in 3 BINs.
- Instagram Card Virtual payment card designed for Instagram Ads.
- Microsoft Card Virtual payment card designed for Microsoft Ads.
- LinkedIn Card Virtual payment card designed for LinkedIn Ads.
- Pinterest Card Virtual payment card designed for Pinterest Ads.
- Reddit Card Virtual payment card designed for Reddit Ads.
- Quora Card Virtual payment card designed for Quora Ads.
- Taboola Card Virtual payment card designed for Taboola Ads.
- Outbrain Card Virtual payment card designed for Outbrain Ads.
- Snapchat Card Virtual payment card designed for Snapchat Ads.
- Advertisement Card Universal virtual card for all advertising platforms including Google Ads, designed as a best match for solopreneurs, freelance marketers, and small businesses. Available in 15 BINs.
- Platinum Card Virtual card with Platinum Credit status, ideal for large-scale advertising campaigns. Pricing depends on monthly spend and requires contact with a Private Manager.
- Virtual Prepaid Card General-purpose virtual prepaid card with 0% transaction fee and 0% withdrawal fee. Card issuance cost and monthly maintenance fee is $7.
- Payment Card Virtual payment card with high status and 3D-Secure technology support, serving as a general-purpose shopping assistant.
- Virtual Debit Card Virtual debit card with high status and 3D-Secure technology support for secure online shopping.
Quantifiable outcome
- 3% cashback on advertising spend with Facebook, Google, and TikTok
- +3 more outcomes
Companies that use Pay Store Transfer
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles4 records
Pay Store Transfer technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature6 records
Pay Store Transfer partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- SumsubcoreIndustry-leading eKYC provider partnered with PSTNET to execute full electronic Know Your Customer verification with automated ID and biometric verification. This partnership enables secure user onboarding while protecting the platform from fraud and ensuring regulatory compliance.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Pay Store Transfer competitors and assessment
Company assessmentDirect peers
- Wallester: Wallester is a European virtual card issuing platform offering multi-currency Visa cards via API for businesses and agencies. It competes most directly with PSTNET on the core product (programmatic virtual card issuance, BIN variety, ad-spend and SaaS use cases) but lacks PST's depth of advertising-platform-specific BIN tuning.
- Capitalist: Capitalist provides virtual and physical cards funded by balances, with strong adoption among affiliate marketers and media buyers in CIS and European markets. It directly overlaps PSTNET on ad-spend virtual cards, multi-currency balances, and tiered fees, with broadly similar customer personas.
- Stripe Issuing: Stripe Issuing is the most prominent API-driven card-issuing platform, letting fintechs and platforms create branded virtual and physical cards. PSTNET's RESTful API + unlimited issuance + private BINs model mirrors Stripe Issuing's programmatic model; Stripe is the scale incumbent that PST must differentiate against on BIN specialization.
- Wirex: Wirex issues crypto-funded Visa debit cards in multiple currencies for consumer and small-business spending. It overlaps PSTNET on the crypto-to-virtual-card funding pathway and multi-currency positioning, though Wirex targets consumer crypto holders rather than media buyers.
- Privacy.com: Privacy.com issues virtual burner cards for online spending with merchant-locking and spending limits, serving SMBs and individuals in the US. It is comparable to PSTNET's Virtual Prepaid/Payment Card products on consumer and small-team online-shopping payment needs, though it does not target ad platforms.
Emerging players
- Bitrefill: Bitrefill lets users spend crypto on virtual gift cards, prepaid phones, and similar instruments globally. It shares PSTNET's crypto-funded spending mechanism but executes via gift-card rails rather than direct card issuance, making it a partial/emerging competitor in the crypto-spending-for-online-payments niche.
Broad incumbents
- Payoneer: Payoneer provides cross-border payment accounts and Mastercard virtual cards used heavily by freelancers, agencies, and marketplace sellers — overlapping PSTNET's agency/media-buyer segment. It addresses similar payment pain points but via broader cross-border workflows rather than ad-platform BIN specialization.
- Revolut: Revolut is a global consumer and SMB neobank offering virtual disposable cards, multi-currency accounts, and ad spend management features. It competes indirectly with PSTNET's general-purpose virtual card products for freelancers and small advertisers, but lacks ad-platform-specific BIN tuning.
- Wise: Wise offers multi-currency accounts with linked virtual cards for individuals and businesses, focused on FX and cross-border spending. It is comparable to PSTNET's USD/EUR virtual card posture but does not target ad-spend use cases or offer advertising-platform BIN specialization.
Others
- Marqeta: Marqeta is a card-issuing processor powering many fintech and ad-tech card programs via APIs, with deep BIN sponsorship relationships. It is not a direct competitor to PSTNET's end-user product but is the upstream infrastructure player whose BaaS model could enable larger entrants to replicate PSTNET's capabilities.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Pay Store Transfer social profiles
Digital presencePay Store Transfer financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pay Store Transfer leadership team
Management profileNumber of profiles
Pay Store Transfer funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pay Store Transfer M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pay Store Transfer
What does Pay Store Transfer do?
Pay Store Transfer (PSTNET) issues virtual credit and debit cards in USD and EUR, providing more than 20 specialized BINs optimized for major advertising platforms including Facebook, Google, TikTok, Instagram, Microsoft, LinkedIn, Pinterest, Reddit, Quora, Taboola, Outbrain, and Snapchat. Cards are issued instantly within one minute of registration, support 3D-Secure authentication, and are accompanied by team management tools, RESTful API access, and a cashback program. The service is targeted primarily at affiliate marketers, media buyers, and agencies that need reliable payment instruments to reduce ad-platform payment bans and manage multi-account advertising spend.
Is Pay Store Transfer a public or private company?
Pay Store Transfer is a private company. It is classified as unknown and is currently operating.
When was Pay Store Transfer founded?
Pay Store Transfer was founded in -1. It employs 11 to 50 people.
Where is Pay Store Transfer based?
Pay Store Transfer is headquartered in Victoria, Canada, in the North America region.
How does Pay Store Transfer make money?
Five revenue lines are on record. Card Issuance Fees are the primary driver. The others are monthly Subscription/Membership Fees, deposit/Top-up Fees, cashback Rewards and affiliate Program Commissions.
Who are Pay Store Transfer's main competitors?
Direct peers on record are Wallester, Capitalist, Stripe Issuing, Wirex and Privacy.com. Bitrefill is listed as an emerging player. Broad incumbents are Payoneer, Revolut and Wise. Marqeta is listed as an others.
Does Pay Store Transfer have an API?
Yes. RESTful API support is available on the Facebook card product page, listed among card features. No dedicated API documentation portal, developer portal, or SDK page is present in the source material.
What industry is Pay Store Transfer in?
Pay Store Transfer's product category is Virtual Payment Cards. Its primary akta.pro industry code is FSAMAAAG, Virtual Card & Tokenization Schemes, with a secondary code of THALAHAB, Card Issuing & Virtual Cards (lodge cards, single-use, tokenization). Its NAICS code is 522210 and its SIC code is 6199.