This page reviews the Bitoncard virtual Mastercard and shows exactly how it works when you fund it with Monero (XMR). Use the affiliate link below to support Monerica at no extra cost.
Links
- Sign up (email only): https://bitoncard.com/signup
- Find it on Monerica: monerica.com → Businesses → Gift Cards / Prepaid Cards
Educational only: This review is not financial, tax, or legal advice. Always consult a professional for your specific situation.
What You Need
- Email address only to create the account. No KYC or ID verification required for issuance per our test.
- Monero (XMR) to fund the card.
Step‑by‑Step: From Sign‑Up to Spend
- Click the sign‑up link above and create your account (email + password). Confirm your email.
- In the dashboard, open Deposit and choose Monero (XMR).
- Enter the amount to deposit and send XMR to the provided address. Wait for the required confirmations.
- Refresh the dashboard — your USD balance appears.
- Create your virtual card: give it a name and set your 3‑D Secure (3DS) PIN.
- Use the card details at checkout on compatible sites. (See compatibility notes below.)
Fees, Limits & Key Facts
- Issuance: $15 one‑time issuing fee + $5 initial load (plan at least $20 for first creation).
- Reloads: 3% + $1 per reload.
- Balance limit: up to $5,000 per card.
- Monthly spend cap: $10,000 per card.
- 3‑D Secure: Enabled for safer online checkout.
- Digital wallets: In our testing, Apple Pay / Google Pay did not work; manual card entry required.
- Expiration: Long validity; card is reloadable.
Compatibility Notes (What Worked / Didn’t)
- Some merchants declined transactions (e.g., site flagged “country not allowed” even when none specified).
- Apple Pay / Google Pay: not supported in our tests; enter card manually at checkout.
- We did complete a successful load with one merchant after several attempts.
Pros
- Can be purchased with Monero.
- Instant issuance after deposit confirmations.
- No KYC and 3‑D Secure for extra checkout security.
Cons
- High fees (issuance + reload charges).
- No Apple Pay / Google Pay (per testing).
- Merchant acceptance can be inconsistent; expect to try more than one processor.
Best Practices
- Test with a small amount first before committing larger funds.
- Keep an eye on fees; plan deposits to minimize reload charges.
- Because acceptance varies, have a backup payment option for time‑sensitive purchases.
Conclusion
Bitoncard’s virtual Mastercard provides email‑only signup, instant issuance, and Monero funding for USD spending online. It protects privacy, but fees are significant and compatibility may be hit‑or‑miss. Use for small, non‑critical purchases or where you specifically need a no‑KYC, XMR‑funded card. Always test with a small transaction first.
Sign up: https://bitoncard.com/signup?ref=6878fc0609acbd7fcc8ef8b2
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