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Use cases: Ad spend & marketing agencies

Ad cards in your brand, dozens per client

Issue several virtual cards per campaign, each limited to ad platforms and funded from the client's own prepayment or sales balance, through one API.

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Every campaign on its own card, in your brand

Agencies, agency software, creator and checkout platforms and e-commerce financiers all sit next to large ad budgets. Agencies often pay the big ad platforms upfront while clients pay weeks later, and run many clients on a few company cards, so one declined or frozen card can stall several campaigns at once. On creator and seller platforms, people usually withdraw their sales balance before they can spend it on ads.

Moon lets you run your own Visa card program for ad spend, in your brand and through one API. Issue as many virtual cards as you need: several per campaign, one per ad account, platform or creator, dozens per client. Limit each to the ad platforms it buys from and give it a monthly spend limit. Each client can hold its own balance funded from their prepayment, or, with just-in-time authorization enabled for your program, your system approves each charge against a seller's sales balance in your own ledger. Either way, you are no longer floating anyone's ad spend.

New advertisers onboard from your product through a hosted verification link, and their first cards are ready as soon as they're approved. Every charge and decline reaches your system by webhook with your client tag attached, and daily reconciliation files turn month-end rebilling into a filter instead of a spreadsheet.

How the money moves

  1. Client card issuednorthwind · 8d2cd518
  2. Monthly limit set$25,000.00 · SPEND · MONTH
  3. Ad charges approvedWithin limit · northwind
See the API call
curl --request POST \
     --url https://api.themooncard.com/v1/api-gateway/controls/velocity \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-api-key: YOUR_API_KEY' \
     --data '{
        "card_id": "8d2cd518-5ef2-4280-91e8-63b1a0e672e7",
        "limit_amount": 25000,
        "type": "SPEND",
        "velocity_window": "MONTH",
        "metadata": { "client": "northwind" }
      }'

What you can do

  1. 01

    Cards for every campaign

    Issue several cards per campaign and dozens per client: one per ad account, platform or creative test. A decline, a freeze or a leaked number on one card never stops the others.

  2. 02

    Ad cards inside agency software

    Let agencies on your platform issue client ad cards from the same screens where they run campaigns, under your brand.

  3. 03

    Ads paid from a sales balance

    Let creators, affiliates and sellers pay for ads from their sales or commission balance on your platform, without withdrawing it first.

  4. 04

    Advances paid out as ad cards

    Pay out an e-commerce advance on a card limited to ad platforms, and see every charge the advance funds.

  5. 05

    Budgets that follow the client

    Change a card's monthly limit through the API when a client raises or cuts the budget, and add funds when they approve more spend mid-flight.

  6. 06

    Rebilling by client

    Store the client, campaign or PO number in card metadata. It comes back on every transaction webhook, so each rebill starts from a filter.

Why agencies and platforms build on Moon

  • Your brand on every ad card

    Cards carry your name and live inside your product, issued and controlled through one API. Clients and creators manage their ad spend with you, not in another provider's portal.

  • No more floating client spend

    Cards draw on the client's own prepaid balance or, with just-in-time authorization, on the seller's balance in your ledger. Your agency's cash stays out of client campaigns.

  • Dozens of cards per client

    Give every campaign, ad account and creative test its own card and limit, as many as each client needs. Freeze one and the rest keep spending.

  • New cards in seconds

    Issue a card through the API the moment a client signs or a campaign launches, ready to add to any ad platform straight away.

How it works

  1. Connect

    Integrate the Moon API, or start with our team on a pilot.

  2. Issue

    Create cards and send payouts from your own product.

  3. Control

    Set limits per card and see every transaction.

Questions

We already have a rewards card for our own ad spend. Why add Moon?
Keep it for your agency's own spend. Moon is for the cards you hand to clients, creators or sellers: funded with their money, issued under your brand, each with its own limits. Moon cards run on prepaid balances, with no cash back or credit line, so they sit beside your current card rather than replace it.
Our clients pay us on long terms. What changes with Moon?
Clients who prepay get their own card, funded from that prepayment, so their ad spend no longer runs through your cash. Keep your current credit line for clients who still pay on terms. When a client approves more budget, add funds to their card or raise its monthly limit through the API.
Can we run several cards per campaign and report by client?
Yes. Issue as many virtual cards as you need for each campaign or ad account, and store your client and campaign IDs in their metadata. Every transaction and decline webhook carries that metadata, and daily reconciliation files cover the day's activity. A monthly limit can sit on one card, or on every card a client holds.
Who can get cards?
Verified businesses and the advertisers they serve. Each advertiser completes business verification (KYB), or an identity check (KYC) for individuals such as creators, through a hosted link from your product before any card is issued.
Where can we launch, and which licenses do we need?
Card programs can launch in the US, Latin America and Southeast Asia. Tell us where your clients, creators or sellers are based, and we'll confirm what fits before you build. Cards are issued by Moon's partner financial institutions under their licenses, so you don't need a card-issuing license of your own; we go through anything your own business needs during onboarding.
Can we start with a few clients?
Yes. Start with a few clients' campaigns, see how the cards and limits work for your team, then move the rest over. Before any real money moves, the Sandbox runs the same endpoints as production: create client cards, set monthly limits and simulate ad charges.

Give every campaign the cards it needs.

Tell us how your clients, creators or sellers pay for ads today, and we'll set up a sandbox for your team.

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