Create account
Business account for marketing teams

The marketing card setup finance actually wants.

Unlimited virtual credit cards for advertising at scale, issued to campaigns.

Issued by Reap, a Visa Principal Member in Hong Kong and Mexico.

Campaign cards
Live
Card / owner Budget cap Status
Summer Sale
•• 4921 · Campaign
$18K / $25K
Active
EMEA Brand
•• 8830 · Region
$11K / $25K
Active
Retargeting
•• 1175 · Team
$8.8K / $10K
Near cap
LATAM Prospecting
•• 6402 · Region
$1.1K / $5K
Active
New campaign card
Cap · lock · expiry
The problem

Keep campaigns running with spend ownership built for teams

Marketing teams often run media spends on a handful of individual corporate cards. When someone leaves, the team has to find another exec's card to keep the campaign funded, and in the meantime, campaigns get stalled

The problem

Ad spends are tied to individual corporate cards. When someone leaves or a card is replaced, campaigns are disrupted.

Shared cards blur team budgets, making reconciliation a guesswork exercise.

Limits and top-ups get handled manually, so campaigns pause when cards hit caps or approvals lag.

Finance lacks a clean, real-time view of marketing spend by campaign and owner.

The solution

Create unlimited campaign-level cards with their own credentials

Set budget caps, category locks, and expiry dates when cards are issued

Keep campaigns running even when team members change

Give finance centralized visibility and policy control across all marketing spend

The fix

One card per campaign, team, or region. Not per person.

Issue unlimited virtual Visa credit cards in seconds, each with its own credentials. Spend stops belonging to whoever happens to be holding the card, and starts belonging to the campaign, team, or region it's actually for. When someone leaves, the card stays. The campaign keeps running.

Card belongs to the campaign
Summer Sale · Meta
•• 4921 · own credentials
Active
EMEA Brand · Google
•• 8830 · own credentials
Active
Retargeting · TikTok
•• 1175 · own credentials
Active
Card owner left the team
Card stays. Campaign keeps running.
Built for finance

Policy enforced by design, not by being nice

Set budget caps, category locks, and expiry dates on every card at issuance, and use role-based access to control who can create, fund, or freeze cards. Finance gets clear policy control and a real-time view of spend by campaign and team, with automatic reconciliation via accounting sync.

Controls at issuance
Budget cap $25,000 / mo
Category lock Advertising only
Expiry date 31 Dec 2026
Role-based access
Admin · create Finance · fund Manager · freeze
Spend by campaign · real time Synced
Summer Sale
72%
EMEA Brand
44%
Retargeting
21%
No waiting on banking hours

Campaigns don't pause because it's a weekend

Fund your account by bank transfer around the clock, so a campaign never stops waiting on a top-up to clear. No more holiday delays and no gap between when a campaign needs funding and when it gets it.

Top-up · Saturday 21:40 Open
Bank transfer initiated
21:40 · outside banking hours
Account funded
No wait for Monday clearing
Campaign keeps delivering
Card cap raised, no pause
Why trust Reap

“Reap is the crypto-to-fiat rail that just works, for businesses that need to spend and pay out globally, smooth fast.”

M
Momchil Dimitrov
Founder
How it works

From sign-up to your first card

01

Sign up and verify

100% online KYB. No bank visits, no calls, minimal documents.

02

Fund your account

Bank transfer, available around the clock. Stablecoin funding (USDC, USDT) is also supported if your treasury runs that way.

03

Issue cards and set controls

Create cards for campaigns, teams, or regions instantly, each with its own budget cap and expiry.

FAQ

Questions, answered

Can we issue a separate card for each team, campaign, or region?

Yes. Issue unlimited virtual cards instantly, each with its own budget cap, category lock, and expiry.

Do we need a bank account?

No. Fund your account by bank transfer, or from a stablecoin treasury (USDC, USDT) if that's how your business already operates. Onboarding is fully online.

Will the cards work across our ad platforms and vendors?

Cards run on genuine Visa credit, which sees broad acceptance across ad platforms and vendors. Confirm specific platform acceptance with our team for your accounts.

Why do Reap cards see a lower decline rate than other virtual cards?

Reap issues genuine Visa credit cards, which see higher approval rates than the prepaid or debit cards most virtual-card providers issue.

How do we keep spend separate across teams and bill cleanly?

Each card is scoped to a team, campaign, or region, so spend is pre-sorted. Sync directly to QuickBooks, Xero, or NetSuite.

How fast can we start?

Onboarding is online with KYB. Most teams issue their first card within 72 hours.

Do the cards support 3D Secure (3DS)?

Yes. Every Reap card supports 3D Secure, so payments clear the authentication that EU and UK billing on major ad platforms requires.

Can we use Reap for more than cards?

Yes. The same account runs payments, expense management, and treasury, so you can pay vendors and suppliers by bank transfer alongside issuing cards.

Is my data secure?

Reap is PCI DSS compliant and licensed in Hong Kong and Mexico as a Visa Principal Member.

Can we control who has access?

Yes. Role-based access controls who can create, fund, or freeze cards, so finance and campaign managers each see and can do only what their role allows.

Can our finance or procurement team review this before we sign up?

Yes. Standard vendor onboarding documentation, including compliance and data-handling information, is available on request from our team.

What are the fees?

No issuance, maintenance, or subscription fees on standard use.* Confirm the current fee schedule with our team for your account.

*Terms apply; fee schedule subject to change.

Give campaigns a card that outlasts the person who requested it

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