Review of e.PN: Virtual Cards for Media Buying With Tiered Top-Up Fees

e.PN is an international virtual debit card service for ad payments, affiliate marketing, SaaS, and online purchases. You can issue cards instantly online. It is well-known in the affiliate marketing community for competitive fees, a large BIN pool (102 trusted BINs), low decline rate, and 24/7 support.

Main Features

e.PN’s key product features:

●      Instant virtual debit card issuance inside the account

●      3DS support for merchants/platforms that require additional verification

●      Large BIN pool (102 trusted BINs) with BIN options expanding as your account level increases

●      Tier-based conditions: your account level is tied to total spend across cards, and conditions improve as you scale

●      24/7 support with multiple channels (site chat, WhatsApp/WeChat, Telegram bot/channel).

Fees & levels:
Overview of the Personal Account

The personal account consists of the dashboard, accounts, cards, transaction history, teams, earn, support, and API documentation. It’s available in a website browser, and both on Android and iOS.

Dashboard

The Dashboard shows your current Balance and Account level, plus quick widgets for Main account, Personal cards, and Total amount across all balances. From here you can top up the main balance in one click and issue a new virtual card.

Accounts (Overview)

This section shows how your funds are split between Main account and Personal Cards (card balance). It also includes a simple Decline Rate widget with counters for total / successful / declined transactions, so you can quickly see whether payments are going through and spot issues.

Here, you can top-up your balance, withdraw, swap funds between accounts, and send funds to another user.

Cards

In the Cards tab, you can see all your cards and issue a new one.

Here’s where you choose new cards to issue.

Transaction History

This one is simple — all your transactions are listed here.

Teams

Affiliate and media-buying teams can use e.PN as well, and this is the section where team actions are available.

Earn

In the Earn tab, you’ll find everything you need to earn commissions on your referred users.

Support

The Support section is where you can create a ticket and track it, contact a support manager via Telegram, WeChat, or WhatsApp, and access additional information.

How to Top Up Your Balance

You can top up your balance in the ‘Top-up’ section of the ‘Accounts’ tab.

Payment methods include:

●      Crypto

●      Capitalist

●      Nihaopay

●      Payeer

●      Payoneer

●      PayPal

●      AliPay

●      Webmoney

●      Perfect Money

●      and some other.

How to Withdraw Funds

Funds are withdrawn in the ‘Withdraw’ tab of the same ‘Accounts’ section. You can withdraw money only in USDT TRC20 and only with the 2FA enabled.

Conclusion

e.PN is a leading virtual card service built for media buying and online payments. It lets you fund an account, issue cards instantly, manage cards and transactions from one dashboard. The pricing is tier-based, so conditions improve as your spend grows.

FAQ

What is e.PN primarily used for?

It’s positioned for advertising payments (media buying), affiliate/performance marketing, SaaS/tools subscriptions, and general online spending, including travel-related purchases.

Are e.PN cards prepaid or credit?

They are debit virtual cards funded from your e.PN balance (not credit or prepaid).

How do fees work in practice?

You pay (a) a top-up fee (from 6.7% down to 3% depending on tier) and (b) a card issue/renewal fee (from $4 down to $2). The tier depends on total spend and includes more BIN options at higher levels.

Do I need KYC?

KYC is tied only to higher tiers starting from Silver ($1,000). If you want to lower fees, plan for KYC.

How can I fund the account?

Two main routes: crypto via DV.net (multiple networks/coins listed) and manual payments via systems like Capitalist, WebMoney, Payeer, Perfect Money, PayPal, Alipay, Payoneer, and others.

Can I withdraw funds back out, and what does it cost?

Yes, withdrawals go to external details (e.g., a crypto wallet) with a $100 minimum and a 5% fee. Cash withdrawals from cards aren’t supported.