Which VCC providers are best for Microsoft Advertising?

When choosing a Virtual Credit Card (VCC) provider for Microsoft Advertising, you'll want to focus on providers that offer reliable, secure, and globally accepted VCCs. Additionally, the provider should have good support for online transactions and the ability to handle recurring payments like those used in advertising. Here are some of the best VCC providers to consider:

1. Revolut
Why it's good: Revolut is a popular digital bank that provides virtual credit cards. Their VCCs are easy to set up and use for online transactions. Revolut also supports multiple currencies, making it useful if you run international campaigns in Microsoft Advertising.

Key Features:

Multi-currency support

Instant virtual card creation

High security features (e.g., disposable cards)

Low fees for currency conversion

2. Wise (formerly TransferWise)
Why it's good: Wise offers virtual cards that allow you to hold multiple currencies in one account. Their VCCs are useful for international transactions, and they have competitive exchange rates, which is beneficial for campaigns targeting global audiences.

Key Features:

Multi-currency support

Low international transaction fees

Simple virtual card creation process

3. Privacy.com
Why it's good: Privacy.com is specifically designed for creating virtual credit cards for online transactions. It allows you to create a virtual card for each vendor (like Microsoft Ads), which can help you manage payments and avoid fraud. It also supports spending limits and can be used for recurring payments.

Key Features:

Customizable spending limits

One-time use or recurring cards

Automatic card generation for each transaction or vendor

Strong fraud protection

4. Stripe Issuing
Why it's good: Stripe offers virtual cards through their Issuing platform, which is designed for businesses that need to manage payments at scale. If you're running large ad campaigns on Microsoft Ads, Stripe's VCCs provide easy integration with your account and are suitable for recurring payments.

Key Features:

Easy integration with business systems

Scalable for high-volume transactions

API access to manage cards programmatically

5. NetSpend
Why it's good: NetSpend offers virtual cards with low fees, and it's widely accepted online. Their VCCs are backed by a major bank, so they're reliable for use in Microsoft Ads and other online platforms.

Key Features:

Reliable and widely accepted

Low fees

Prepaid cards that can be easily reloaded

6. US Virtual Card
Why it's good: US Virtual Card offers both single-use and reusable virtual credit cards for businesses. It's useful if you want to keep your online payments secure and separated by campaign, and it also supports recurring charges.

Key Features:

Single-use and recurring virtual cards

Good for security and fraud prevention

Easy to manage for business users

7. American Express Go
Why it's good: American Express offers virtual cards through its Amex Go program, which is tailored to business users who need virtual credit cards for their purchases. These cards are accepted worldwide and are especially useful for recurring payments like Microsoft Ads.

Key Features:

Widely accepted internationally

Excellent customer support

Good for managing business payments

8. Bunq
Why it's good: Bunq is a European digital bank offering virtual cards that can be used for online payments. It's ideal for people in Europe looking for a user-friendly service to make secure payments.

Key Features:

Multi-currency support

Instant virtual card creation

Simple interface for managing virtual cards

Things to Consider When Choosing a VCC Provider for Microsoft Ads:
Accepted Payment Networks: Make sure the VCC is part of major networks like Visa or MasterCard, as Microsoft Ads primarily accepts these networks.

Security Features: Look for providers that offer features like one-time use cards or disposable cards to minimize fraud risk.

Global Use: If you're running campaigns in multiple regions or currencies, make sure the VCC provider supports multi-currency transactions and is accepted internationally.

Fees: Some providers charge monthly or transaction fees, so it's important to compare fees and choose one that fits your needs.

Support for Recurring Payments: Since Microsoft Ads typically involves ongoing charges, make sure your VCC provider supports recurring payments without issues.

In summary, Privacy.com, Revolut, and Wise are some of the most recommended providers, especially for security and ease of use, while others like Stripe Issuing are great if you need more advanced features for scaling ad campaigns. Choose based on your region, payment volume, and specific needs for your Microsoft Ads campaigns.