How to profit from selling virtual Visa cards: Strategies for B2B

2025-07-08 20:09 Monetization & Business Models

Virtual prepaid Visa cards give businesses more than just access to financial infrastructure—they offer a fully-fledged revenue stream. Especially with white-label solutions, companies can issue branded cards via an API platform while controlling their pricing and customer experience.

In this article, we’ll explore monetization strategies available to B2B companies and show how to build a profitable business model around virtual card issuance.

Card Issuance: A Standalone Revenue Stream

Offering virtual Visa cards isn’t just about adding value to your existing product. It can also be an independent source of income.

By partnering with Wanttopay, you get a fully compliant, technology-ready solution for issuing virtual Visa cards, allowing you to start earning from the very first month.

Main Monetization Strategies for Virtual Visa Cards

1. Markup on Card Value

You can set your own retail price for cards. For example, sell a $100 card to your user for $110 and earn the difference.

This is a simple and flexible model, ideal for platforms with direct access to customers.

2. Top-Up Fee (Master Balance)

Funding of your master balance is done in USDT with a 4% service fee.

You can incorporate this fee into your pricing or split it with your clients as you see fit.

3. Fixed Issuance Fee per Card

Charge a flat fee for each card issued (e.g., $1–$3) regardless of denomination.

This model is convenient for white-label solutions, platforms, and agencies that generate cards on demand for users.

4. Exchange Rate Margin

Wanttopay offers a base exchange rate of 1 USDT = 0.999 USD.

You can set your own exchange rate for customers and earn on the margin. For example, accept payments at 1 USDT = 0.95 USD.

You Build the Business — We Provide the Infrastructure

Wanttopay does not interfere with your sales model, restrict how you use the cards, or dictate how you engage your customers.

You’re free to build your own ecosystem, design unique monetization strategies, and use cards as internal currency, a rewards system, cashback product, or SaaS feature.

We deliver everything you need for stable operations:

API infrastructure
Full legal compliance
Technical support and documentation
Card issuance and management
Flexible architecture for your product

Want to Become a Wanttopay Partner?

Fill out the form on our website to get a personalized commercial offer.

Learn more at: Wanttopay Business API

Tags: virtual cards, fintech, white-label, prepaid cards, API, monetization, B2B, card issuance