Catalog · media-buying services

FBM PAY

Virtual cards for media buying

Virtual cards for advertising

A virtual card service for media buying with 30+ BINs (US, Hong Kong, Singapore) and tiered pricing (2–4.5% by volume). Better value for large volumes (lower fees). Caveats: a high minimum top-up ($500), the best rate applies only to Private tier ($1M+).

Updated: July 2026 · Status: verified (web research)

68/100

CRI rating

Key facts

Type: Virtual cards for advertising
BINs: 30+ (US, Hong Kong, Singapore)
Minimum deposit: $500
Fee: 2–4.5% (by tier)
Tiers: Start 4.5% ($0–20k) · Pro 3% ($100k–250k) · Private 2% ($1M+)
Crypto: Yes
Official website: fbm.pay (to be confirmed)

Crypto card terms change — verify with the issuer's official website before applying.

Pros & cons

Pros

30+ BINs from the US/Hong Kong/Singapore.
Volume-based fee discounts (down to 2% for Private).

Cons

High minimum top-up ($500).
The lowest rate applies only to very large volumes ($1M+).

FBM PAY review

FBM PAY is a virtual card service for media buying with more than 30 BINs from the US, Hong Kong, and Singapore. Pricing is tiered: Start (4.5% for deposits of $0–20k), Pro (3% for $100k–250k), and Private (2% for $1M+), making the service more attractive for large media-buying volumes.

Methodology

CRI score by category

Category	Weight	Score (0–100)	Contribution
A. Cost and fees	20%	58	11.6
B. Accessibility (BINs/geo)	30%	78	23.4
C. Functionality	25%	72	18.0
D. Benefits	10%	52	5.2
E. Trust / reputation	10%	64	6.4
F. Transparency and support	5%	66	3.3
CRI			68/100 — "Fair"