pst.net — Bitcoin-Check
PST.NET
Bitcoin-Check: this program is ranked in our database but not fully listed — this page answers whether it is a real bitcoin card and what happens to your BTC.
A niche virtual-card service for online/media-buying use cases with crypto funding - usable for its purpose, but tier subscriptions, per-card fees and the niche positioning make it a poor general spending card.
The bitcoin flow
Source note
USDT/BTC funding documented; card catalog live (20+ types, 22 BINs, USD/EUR). Complaint pattern (2023 bitcointalk case + web-surfaced reviews): withdrawals restricted to USDT-TRC20 with minimums and multi-day processing.
The honest answer
Overview
PST.NET is a real bitcoin card: you can load it directly with on-chain BTC. It’s a crypto-native, virtual Visa prepaid card aimed at media buyers needing platform-specific cards (Google, TikTok, etc.). Your bitcoin is sold - timing not documented - when you fund the card, breaking the bitcoin flow early. The service requires full KYC via Sumsub and operates with custodial balances under a Turks and Caicos entity, with documented user complaints about frozen funds and withdrawals.
Fees in practice
There’s no fee to add funds to your PST.NET account, but loading a specific card incurs a fee of at least $1, depending on card type (e.g., $10/month for Advertising cards, $16 for Ultima). Cross-border transactions cost 1 - 3% (minimum $0.50 or $1.00). A 30% prohibited-use fee (min $5) may be deducted from your balance. Withdrawals are free but limited to USDT-TRC20 with a $10 minimum and up to 14 days of manual review. For a typical spend using an Ultima card: you’d pay $16 for issuance/maintenance and potentially up to 3% on cross-border transactions - plus the hidden cost of BTC conversion at an unknown rate.
Verdict
PST.NET is usable only for niche media-buying use cases where platform-specific virtual cards are needed. It’s not suitable as a general bitcoin spending card due to custodial risk, lack of spending rewards in BTC, and a troubling history of withheld funds. Avoid for large balances or long-term storage.
The bitcoin flow
You can load PST.NET with on-chain bitcoin, making it a genuine entry point for BTC holders. However, the exact moment your bitcoin is sold is not documented - this could be at load or at spend, but either way, it triggers a taxable event when the sale occurs. Once converted, spending happens via Visa in fiat. Lightning top-ups are not supported. There is no documented minimum BTC top-up amount, but account funding is confirmed to be fee-free according to the operator’s FAQ.
Rewards
PST.NET offers 3% cashback - but only on advertising spend with Google or TikTok, and only for Private subscription holders. It’s not paid in bitcoin or USDT, but as a credit toward your next subscription renewal. There’s a minimum cashback of $0.10 per transaction, and it’s not available on Ultima cards. No general spending rewards exist.
Custody & risk
Your funds are held custodially by PSTNET, operated by ADV Summit Advisors Limited, registered in the Turks and Caicos Islands. No issuing bank is contractually named, and the legal terms page was previously an empty shell - now confirmed to disclose the operator but still lacking transparency on governing law. A 2023 Bitcointalk case documents $27,500 withheld after KYC and account deletion, with allegations of fabricated AML reports. Trustpilot and Reddit host further complaints about blocked accounts and withdrawal delays. Since the facts are not fully verified, a small test load is strongly advised.
Pros & cons
Pros
- USDT/BTC funding on virtual Visa
- Established in its niche (media buying)
Cons
- Subscription-tier pricing on top of fees
- Niche tool, not a general spending card
- No cashback
- Custodial balances with opaque operator
Factsall documented fields
| Card type | Prepaid · Visa · Virtual |
|---|---|
| KYC | Full KYC |
| KYC trigger | - |
| Custody | Custodial |
| BTC load | Direct BTC top-up (on-chain) |
| BTC sale timing | Not documented |
| Lightning | no |
| Issuance | - |
| Monthly fee | not documented |
| Top-up fee | not documented |
| FX fee | 1% |
| ATM fee | - |
| Cashback | none |
| Regions | GLOBAL |
| Apple Pay | no / unknown |
| Operator | PST.NET |
Score breakdownoverall 4.4/10
FAQ5 questions
Is this a real bitcoin card, and when is my bitcoin sold?
Is KYC required to use PST.NET?
What fees does PST.NET charge in practice?
Does PST.NET pay rewards in bitcoin?
Is PST.NET safe and who holds my funds?
On the website2 captures
Sources17 fetched & dated
Every claim traces to a source we fetched and dated. Community sources are individual threads, not paid reviews.
- Bitcointalk thread with operator response
Documented single case: user accidentally sent $27,500 BTC (intended $120); withdrawal refused/hindered (min $300, USDT-TRC20 only, 14-day processing); after full KYC (Sumsub, US ID, source-of-funds) the account was DELETED with $591 balance + $27,500 pending withdrawal withheld; user says the AML report was fabricated (own chain checks clean) and traces office to a virtual REGUS address with 'roots back to Russia'; company described as legally registered in Canada. 889 reads, 3 pages.
- PST virtual cards service are a scam
r/Scams thread alleging PST virtual cards are a scam.
- Virtual card scam
r/Scams discussion of virtual-card scam patterns in PST context (per search result).
- PST.NET — Virtual cards for payments. Crypto-fiat exchange (homepage)
"PST.NET - Virtual cards for payments. Crypto-fiat exchange"; "20+ types of cards in USD & EUR", "Largest number of BINs on the VCC market"; Visa + Mastercard footer; 3DS support; "Full eKYC execution — Partnered with ... Sumsub ... automated ID and biometric verification".
- PST.NET Private page
"Cashback 3% — For advertising spend on Google and TikTok. 100 free cards — Complimentary monthly card issuance." "Unlimited number of issued cards, spends or deposits on PST Private." Fees: "0% transaction fee / 0% fee for declined payments / 0% fee for withdrawal from the card / 0% refund fee / 0% withdrawal fee."
- PSTNET cards page (re-fetch)
Re-fetched 2026-09-20 (200): card catalog (Ultima 'from $7 card price, 0% withdrawal fee', Google 12 BINs, TikTok 3 BINs, Advertisement 15 BINs, platform-specific cards for Microsoft/LinkedIn/Pinterest/Reddit/Quora/Taboola/Outbrain/Snapchat). No top-up percentages published.
- PSTNET FAQ - official content (JSON API behind pst.net/faq)
First-party Strapi-style FAQ content (200, 37 items in 6 categories; pst.net/faq itself is a JS shell). Key answers: account funding is fee-free; direct card loads carry a card-type-dependent fee of at least $1 (rate dashboard-only); cross-border fee 1%-3% (min $0.50/$1.00); card monthly maintenance equals the issuance fee, first month included; cards from $1; 'Does PSTNET offer physical (plastic) cards? Not at the moment.'; withdrawals USDT-TRC20 min $10, free, manual review up to 14 days; restricted-use charge 30% min $5; PST Private cashback capped per plan, min $0.10/tx, not on Ultima cards.
- PST.NET official blog - oldest posts (Ghost Content API)
Official PST.NET blog (linked from pst.net, public Ghost content key from the site's own bundle): oldest post 'For Teams' published 2022-12-26 - the service was publicly operating by end of 2022.
- pst.net historical snapshots (service start window)
Wayback: on 2021-06-19 pst.net was still a parked/redirect page ('Click here to proceed'); by 2022-12-05 the domain served 'PST.NET - Virtual cards for payments. Crypto-fiat exchange'. Bounds the public service start to mid-2021..late-2022; combined with the official blog's first post (2022-12-26) this points to a ~2022 launch, but NO explicit founding year is published - founded_year intentionally left unset.
- Legal/Terms page (empty shell)
HTTP 200 but renders only nav + footer shells - no operator entity, no governing law, no issuer partner. Legal transparency red flag.
- PST.NET FAQ (dead page)
Returns 404 "Page has been moved or deleted" as of 2026-09-26 - BTC/crypto funding specifics are NOT DOCUMENTED in retrievable official text.
- https://www.pst.net/affiliate
Referral/affiliate program terms checked 2026-09-30
- PST.NET FAQ API (fees, cashback, KYC)
Adding funds to your PSTNET account is fee-free. A minimum deposit amount may apply and can vary by payment method.
- PST.NET legal documents (Restrictions, operator entity)
ADV Summit Advisors Limited, a company registered in the Turks and Caicos Islands with its registered office at Suite A210, Regent Village, Grace Bay Road, Prov
- PST.NET Ultima card page
Ultima Card issuance cost and monthly maintenance fee (after the first month) is $16
- PST.NET BIN checker
Issuing bank (Citi, Wells Fargo, TD, etc)
- Trustpilot reviews (archived November 2025)
They closed my account because I asked for a refund and they won't give me my money back.