In Pakistan, the banking system remains disconnected from most international entertainment and freelance payment platforms. Local cards does not link with platforms like Amazon, for Netflix subscription in USD, or global SaaS tools. Government policy and currency regulations make it quite impossible to perform cross border transactions in U.S dollars. Users with verified PayPal accounts in Pakistan also faces issues as Paypal does not officially operate in the country.
Local banks of Pakistan issue cards denominated in Pakistani rupees (PKR), and those cards are only limited to local processing networks. They’re usually blocked from working on international platforms. Even in rare cases when a card seems to go through, the bank automatically flag and reject the transaction mentioning as high risk. The State Bank of Pakistan also imposes limits on how individuals can buy foreign currency in Pakistan. Even if you have got enough rupees to cover purchase, the transaction might get blocked.
That is why virtual International cards have become the only reliable solution for Pakistanis. But not every virtual card works, and that is where most people get confused. We will walk throught the key features of the three best international virtual card services available for Pakistani users. Below, we have tested and reviewed each provider.
Why Trust Pakera.pk?
At Pakistan Era, we share information that is true, clear and tested by ourselve. Everything we publish is thoroughly checked, so you can trust what you read at our platform. Our goal is to keep things simple and reliable. We make sure that you get the best and most accurate facts to make the best decision or understand a topic!
Best Virtual International Payment Cards in Pakistana
Here are the top 3 virtual cards available in Pakistan. Whether you are freelancer, entrepreneur, or looking for online payments cards and entertainment, these virtual cards have you covered.
1. Spend.net
Spend.net is a global financial platform that offers virtual Visa and Mastercard cards which are designed for online payments with built in 1% cashback. The service is for people who need consistent access to international digital platforms from subscriptions to ad platforms.
What makes Spend.net stand out is the 1% cashback on every online transaction. The cashback is applied automatically. It works with all kinds of internet payments, which includes Netflix, Google, Amazon, Ecommerce stores, and SaaS products around the world.
Another feature of Spend.net we noticed is handles funding fees. Users choose the percentage fee when loading money onto their cards, this affects the final amount credited. The average fee we found is around 2%, but can be adjusted depending on the specifics of each transaction.
Spend Net issue free cards. 3D Secure technology is built in by default, which adds extra layer of security and confirmation of every transaction and payment. That stops ongoing fraud risks and helps avoid unauthorized charges.
Key features:
- Security tech: 3D Secure
- Fast top-up options: USDT, BTC
- Easy signup: Google login or email
- Support: Available 24/7 via live chat in your dashboard
How to Order Spend Net Virtual USD Card in Pakistan
- Go to Spend.net
- Sign up with email or Google account.
- Fund wallet using USDT, BTC, or another supported crypto.
- From dashboard, generate a virtual Visa or Mastercard card instantly.
2. Ezzocard
Ezzocard does not follow the usual fintech platform model. You don’t need to create account, verify identity, or even sign up. Cards are sold directly through website, get card details right away. The service is built for people who want anonymity, speed, and simplicity.
The cards are versatile, one card can cover almost any task. Use them for online shopping, digital subscriptions, ad campaigns, or corporate expenses. The format is single use, each card have a fixed value and cannot be reloaded. Once it is used, it is gone. This lowers the risk of data leaks and makes it easy to control budgets for specific tasks.
The range of values is very broad. Cards come in denominations from $10 to $2,000. That works well whether you are paying for one off purchase or managing a big project. The fee depends on card value and type, and it is shown upfront before buying. There is no extra fee for using the card or keeping it active.
Key features:
- Anonymity: No data required to issue or use card
- User friendly: Single use cards, order as many as needed
- Top up method: Crypto only
- Customer support: Available via email
How to Order Ezzocard Virtual Card
- Visit Ezzocard (No sign up or KYC required).
- Select the card type (Visa or Mastercard) and denomination ($10–$2000).
- Pay using crypto and receive virtual card details instantly on screen and via email.
Learn How to Block ATM Card in Pakistan
3. LinkPay
LinkPay offers Omni virtual credit cards issued on Visa and Mastercard. They are designed for global use like online subscriptions, shopping, and digital services across borders.
There is no spending limit on LinkPay cards. But platform does use a two tier fee system. Under the standard plan, there is 1% load fee and 2% transaction fee. However, if monthly spending exceeds $50,000, those fees drop to zero. To get this, user have to subscribe to Ultra plan, which includes extra perks and fee free usage.
Key features:
- Security tech: 3D Secure
- Top up options: 7 cryptocurrencies, bank transfers, Visa/Mastercard funding
- Registration: Basic site form, no KYC needed for standard use
- 24/7 support: Available via live chat and Telegram
How to Order LinkPay Virtual Card
- Go to LinkPay Website
- Register with basic form (no KYC needed).
- Fund account via crypto, bank transfer, or Visa/Mastercard.
- Issue a virtual Visa or Mastercard directly from dashboard.
📢 Want exclusive content, quick updates, and alerts straight to phone? Join Pakistan Era WhatsApp Channel for free.
Local Virtual Card Providers in Pakistan
While not full virtual card solutions, SadaPay and NayaPay offer limited access to global platforms and are popular in Pakistan for day to day digital spending.
SadaPay
SadaPay issues Mastercard debit cards and recently allowed limited international transactions in specific sectors such as advertising (Meta, Google Ads) and SaaS tools. However, transaction access is still restricted and requires approval depending on user tier and account history. It is a decent option for freelancers and marketers working with Meta or Google.
Key Features:
- Card type: Mastercard Debit (PKR-based)
- Top-up methods: Linked bank account, debit/credit card, IBFT
- International usage: Selective (Meta, Google Ads, etc.)
- App interface: Clean, beginner-friendly UI with live chat support
- Security: Instant freeze/unfreeze, biometric login
How to Order SadaPay Virtual Card
- Download the SadaPay app from Play Store or App Store.
- Sign up & complete identity verification.
- Once approved, go to “Cards” section in app to generate free virtual Mastercard.
- Copy Details and Use online.
NayaPay
NayaPay issues Visa debit cards and works similarly like SadaPay with limited international usability. It is great for domestic and in app use, but not reliable for global services like Netflix, AWS, or Shopify.
Key Features:
- Card type: Visa Debit (PKR-based)
- Top-up methods: Bank transfers, mobile wallets
- International usage: Mostly blocked
- Security tools: Card controls in app, instant transaction alerts
- Customer support: In-app chat and email
How to Order NayaPay Virtual Card
- Install the NayaPay app on smartphone.
- Register and verify account with CNIC and details.
- Go to “Cards” tab and generate virtual Visa card linked to NayaPay wallet.
If you are dealing with serious and regular freelancing, digital tools, ad spends, or SaaS products, you will need a proper virtual USD card like the ones listed above earlier.
Read How to Open Digital Wallets Without Owning the SIM
How to Use Virtual Cards Safely (and What to Avoid)
We advice to test the service with a small amount before using it. Try paying for trial SaaS plan or digital subscription. This helps to check how reliable the transactions are for that platform, how fast the funds show up, and how responsive support team is. It is a small step that can save you trouble later on.
At the same time, avoind common mistakes. Never go through anonymous middlemen, unofficial Telegram sellers, or shady schemes. That is how people lose money. The services we reviewed here work with clear rules, transparent pricing, and lower operational risks.
Quick FAQs
Yes, Spend.net and Ezzocard often work for verifying PayPal. For Stripe, Spend.net and LinkPay are more reliable, but success may vary.
No. These cards usually fail on Amazon and other international retailers platform due to PKR denomination and Statebank of Pakistan restrictions.
Yes, if you are using official platforms like Spend.net or LinkPay. Always avoid third party sellers on Telegram.
Yes. Spend.net and LinkPay cards are accepted for ad campaigns, especially if 3D Secure is enabled.
Spend.net is the most stable, with auto cashback and reload flexibility. Ezzocard is good for quick one time purchase.
Refund policies vary. Ezzocard does not support refunds. Spend.net and LinkPay handle refunds as long as merchant processes it.
Conclusion
For people in Pakistan, virtual cards are not just convenient option, they are strategic tool. They make possible to pay in U.S dollars despite national banking restrictions and offer access to global digital ecosystem from subscriptions and Ecommerce to marketing platforms and cloud services.
Switching to virtual cards unlocks options that are not possible with standard banking cards in Pakistan. Whether you are working with international partners or building an online business, these cards provide stable, controlled way to operate globally.
Shahid joined us in 2024 as an author. He is a senior contributor to Pakistan’s leading technology websites. He writes detailed articles, mostly covering his expertise in the latest tech, mobiles, apps, gadgets, and step-by-step guides. His ideology is to help people understand the latest trends and explain complex methods through very easy-to-understand guides.
Shahid started his career in journalism after completing his four-year Bachelor’s degree in Mass Communication from Punjab University. Before joining us at Pakera.pk, he worked as a freelance content writer for notable websites and blogs, producing guides, reviews, and how-to articles. Shahid’s ability to simplify complex ideas and methods and present them crystal clear has made him a very reliable asset for us as well as for our readers.
On Pakistan Era, Shahid leads our in-depth guides that solve common tech-related problems. He focuses on making the latest technology usable and practical for our readers.
When not in working mode, Shahid still explores new gadgets, generates ideas, and does topic research for future writing. When he’s not connected with technology, he plays chess often, discovers new ways to improve his content, and learns new tricks like how to solve a Rubik’s Cube, which he loves to solve and make fun of us about how we can’t. He actively takes part in global communities and forums and stays ahead of the trends and changes in the industry.
