BitPay confirmed this week that the virtual card program scales past 100 cards per account with no per-card fees or hidden charges. Operators running media buying teams, agencies, and remote SaaS operations have crossed the threshold - the average 50-200 card operator is now common on PRO and CUSTOM tiers.
Internal load tests show the cabinet and API handle 500+ cards per account without measurable latency change. The data model is per-card metadata in a single cabinet - the cost to add a card is one database row, not a new account or a new vendor integration.
Tier limits raised: FREE remains at 1 card, PRO raised from 10 to 250 cards per account, CUSTOM tier unlimited. Most operators running 10-50 cards fit comfortably in PRO. Operators running 50+ cards typically need CUSTOM for volume-based conversion pricing.
The threshold that matters is not card count but monthly volume. A program with 100 cards and $200K monthly volume is on PRO with $1,400 in conversion fees ($200K * 0.7%). A program with 50 cards and $1M monthly volume is on CUSTOM with bespoke pricing, typically under 0.5% effective.
