# e.PN - Virtual cards — pay for goods and services

> Virtual cards for international payments and fund transfers. (iPhone/iPad app by Digital Waves LTD.)

- Source: https://appshunter.io/ios/app/epn-virtual-cards/id6504874959 (this page in markdown: same URL + `.md`)
- Developer: [Digital Waves LTD](https://appshunter.io/developer/1844813064)
- Category: Finance, Business
- Price: Free
- Rating: 4.60/5 from 70 App Store ratings · 59 written reviews indexed
- Age rating: 17+
- Requires: iOS 17 · 137 MB
- Languages: American English, Arabic, Belarusian, Bangla, Bulgarian, Czech, Danish, Dutch, Estonian, Finnish and 23 more
- Released: 2024-07-10
- Data updated: 2026-08-31
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/epn-virtual-cards/id6504874959/reviews.md

## What is e.PN?

No restrictions or blocks. Pay for the services you need quickly and effortlessly using virtual cards from international banks.

Our product allows issuing multiple cards for one user at once and transferring funds from one account to another in just a couple of clicks.

## Key features

- Virtual cards from international banks
- Pay for goods and services
- No restrictions or blocks
- Issue multiple cards
- Transfer funds between accounts

## What do users think of e.PN?

Overall sentiment: mostly positive

**Pros**

- 👍 User-friendly interface
- 🚀 Fast and simple card issuance
- 💰 Favorable tariffs and competitive rates
- 💬 Responsive and helpful support
- 💳 Multiple virtual cards for different purposes
- 💸 Easy fund transfers between accounts
- 🌍 Great for international payments
- 🔒 Secure and reliable for transactions
- 💡 Innovative features and constant updates
- ✅ Smooth and glitch-free operation
- ⏱️ Quick setup and hassle-free experience
- 🎯 Perfect for budgeting and expense tracking
- 🤝 Excellent for splitting bills with friends
- 💯 Covers all payment needs
- ✨ Effortless payment solutions
- ✅ Works well for online shopping
- 👍 Recommended for freelancers
- 🚀 Fast and reliable performance
- 💳 Can pay in Steam
- 👍 Good for paying foreign services

**Cons**

- ⚠️ Misleading information about minimum deposit
- 💸 High commissions and hidden fees
- ❓ Dynamic commission changes make calculation difficult
- 😞 Support team initially unhelpful
- 🚫 Potential for account blocking
- 💰 Funds disappearing from accounts
- ❌ Cards not being issued
- 📉 High commission rates

**Commonly reported bugs**

- Funds not credited after deposit
- App not working on phone
- Payment declines for subscriptions
- Support provides copy-paste replies
- Lost money on fees and top-up with unusable card
- Crypto transfers not arriving
- Money stolen and accounts closed
- Cards not being issued
- No refund policy

**Most requested features**

- More details from original website, including FAQ section

## Recent user reviews (10 of 59)

All indexed reviews: https://appshunter.io/ios/app/epn-virtual-cards/id6504874959/reviews.md

### 5/5 — Great app for issuing and using virtual bank cards.

*2026-08-17*

The cards are issued really quickly, and I had no trouble adding mine to Apple Pay. I’ve been using it to pay for AI subscriptions without any issues. The fees are also pretty low and transparent compared to other services I’ve tried.

Overall, ePN has left a really positive impression - convenient, practical, and easy to use.

**Developer response:** Daywalker, thank you very much for your review and high rating! We are very pleased that you highlighted the fast card issuance, the convenience of adding cards to Apple Pay and the reliable payment of subscriptions. We strive to make the service simple, convenient and transparent. Thank you for choosing us and for sharing your experience!

### 1/5 — Its a Scam

*2026-05-08*

Every month they charge you even for holding the card that you already paid for it. After several months my card has been disabled and when i wanted to use it i had to buy another one. I deposited around 60$ and after several months after paying so much money to them and charging me for everything i had 10$ and all services were declining my card.
NOT RECOMMENDED AT ALL PLEASE DON’T USE THIS SERVICE!!!!!

**Developer response:** Hello, Mrxynot. It's a pity that our service left unpleasant experience after you used it. The charges you mentioned in your review are seemingly card renewal fees. The detailed terms of card renewal fees for each tariff are clearly depicted on our website and within your dashboard. 
We would like to double check if everything was correct in your particular case. Please contact our support team for further assistance.

### 1/5 — SCAM

*2026-04-04, version 1.0.61*

SCAM

### 3/5 — Misleading information and poor support (Problem solved)

*2026-04-02*

I deposited $30 through this app because it stated that the minimum deposit amount was $30. However, the app didn’t credit my funds, and support later told me the actual minimum deposit is now $50, even though the app still shows $30. The app is misleading and the support team refused to help or refund my money. Be careful using this service! 
UPD: The problem was solved only after the publication of this review.

**Developer response:** Hello!

My name is Alex and I am the Head of Support. First of all, I apologise for the problem you faced when depositing your account. Yes, we have a rule that the minimum deposit amount must be at least $50 USD. We are ready to resolve the incident and credit you the amount you actually deposited. Write to our support team on Telegram or via our personal cabinet.

### 5/5 — Внатуре заебульба

*2025-12-05, version 1.0.52*

Четенько

### 5/5 — Удобно и тарифы нормальные

*2025-12-05, version 1.0.52*

Долго искал нормальное приложение для оплат различных сервисов . E.pn решил все проблемы. Быстро и просто выпускать карту , тарифы самые выгодные из всех что видел. Больше в его удивила служба поддержки. Была проблема работы приложения на телефоне , быстро ответили и решили вопросы

### 4/5 — Works as expected

*2025-11-16, version 1.0.47*

Optimum and reliable performance. Also stress free 😘

### 5/5 — Все отлично

*2025-10-24, version 1.0.47*

Мы уже несколько месяцев пользуемся этим приложением и хотим рассказать, что думаем. Интерфейс очень простой и понятный, так что разобрались с ним быстро. Нам нравится, что приложение постоянно обновляется, появляются новые фишки и улучшаются старые. Очень удобно, что многие штуки работают без интернета. Еще мы оценили кучу настроек, которые можно подстроить под себя. В общем, нам очень нравится, и мы рекомендуем его всем.

### 1/5 — Скрытые комиссии

*2025-10-11, version 1.0.46*

В каждую транзакцию вшита комиссия самого сервиса. При переводе между счетами внутри приложения, при пополнении с крипты(отдельно оплачивается комиссия за перевод и сверху еще просто комиссия за пополнение счета((НЕ КАРТЫ, А СЧЕТА)), дальше комиссия уже за пополнение карты, потом комиссия за активацию карты, потом комиссия за обслуживание карты. Невозможно точно рассчитать сумму, потому что комиссия динамично меняется от суммы пополнения! Минимум 5$ и в дальше в прогрессии. Претензия не к цене комисси, а к путанице,  которая явно сделана специально, чтобы заработать лишние пару долларов. 1 звезда

### 5/5 — Супер

*2025-10-07, version 1.0.46*

Приложение просто супер! Работаю фрилансером и часто нужно оплачивать различные сервисы для работы. Очень удобно, что можно выпустить несколько карт для разных целей и быстро переводить между ними средства.

## Frequently asked questions about e.PN

### What does this app do?

This app allows you to pay for goods and services using virtual cards issued by international banks. It provides a way to make payments quickly and effortlessly without facing restrictions or blocks.

### What are the key features?

Key features include the ability to obtain virtual cards from international banks, pay for various services, issue multiple cards per user, and transfer funds between accounts with ease.

### Is there a cost to use this app?

Based on the provided information, the app is free to use and does not have in-app purchases or ads. There is no mention of any subscription fees or paid features.

### Who is this app for?

This app is designed for individuals who need to make payments for goods and services internationally or transfer funds between accounts without encountering restrictions. It's suitable for users seeking a convenient and block-free payment solution.

## Version history (last 5 releases)

### 1.0.73 — 2026-08-27

minor fixes

### 1.0.72 — 2026-08-17

minor fixes

### 1.0.71 — 2026-08-10

minor fixes

### 1.0.69 — 2026-07-27

minor fixes

### 1.0.68 — 2026-07-24

minor fixes

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*