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Ad spend ops · Mexico & Brazil

Every ad dollar is a bet. Control it like capital.

Virtual Visa cards for ad spend, a hard cap on every card, top-ups from your bank in pesos or reais. See what returned, then scale what works.

Book a demo

Five minutes to set up your cards. No credit checks, no sales call, no card fees.

Debit Mode · self-funded
Available to spend
$25,440
Rosa Calderón·· 4417
Visa
Balance
Self-funded
$25,440
Drawn on ads $24,560Loaded by you $50,000
SPEI · PIX · debit card
Authorisations · live
Advertising merchants are approved. Everything else — and any charge above a card's cap — is declined at the network.See it on your accounts →

Works on every ad platform that accepts Visa. Issued in seconds, inside the workspace that already tracks your spend.

30–90 d
between paying for a lead and collecting
3–5%
lost to double FX on MXN and BRL cards
1 card
per buyer, platform or account — cap one, the rest keep spending
MetaGoogleTikTokKwaiRedditLinkedInXPinterestMercado AdsApple Search Ads+ any merchant on MCC 7311
The gap

You pay the platforms in real time. Your revenue lands in 30 to 90 days.

Palanca closes the gap: cards to control spend, capital to scale it. In Mexico and Brazil the gap costs twice — local cards trip the ad networks' fraud checks, and every USD charge loses 3–5% to a second conversion.

Settling in MXN today? 1 USD = MX$18.40 at the mid-market rate. The spread a Mexico card adds on top of it is the 3–5% above.

01 · Ad spend cards

Debit or Capital

Issue a card per buyer, platform or campaign. Spend controls at the source — caps, advertising merchants only, freeze in a click.

Cards
02 · Performance Capital

Funding that follows return

A pay-in-full card that funds this month's ads while last month's leads are still closing. The limit follows campaign payback, not personal credit.

Capital
The platform

One workspace for ad spend. Cards, caps, top-ups and the close.

Get startedBook a demo

Debit cards that stop at the limit you set

META ·· 8042 · Rosa CalderónVIRTUAL · cap $1,200 / day
Card charge · Hostinger · $4,120Declined
Blocked by this card's controlsNot advertising
The other 11 cards keep spending.

Performance Capital that grows while revenue catches up

Available to spendPay in full
$50,000
Ad spend used $24,560Repaid in full each month

AdGrid & AI reporting that answers in plain words

Spend · this week↑ 12.4%
$24,560
What changed and what did it cost?
Meta CPMs rose 18% Tuesday — an extra $1,140 for the same reach.

Reconcile & audit without doing the month twice

Meta ads$8,210
Google Ads$12,400
TikTok Ads$3,950
Synced to accounting · CFDI attached

Top-ups & FX in pesos or reais, spent in USD

SPEI · BBVA ·· 3301+ $10,000
MX$184,000 at 18.40one conversion
PIX · Nubank ·· 8120+ $5,000
R$27,100 at 5.42one conversion
Two card types

Debit cards or Performance Capital. Same cards, same controls, different money.

Cards, Debit Mode

Fund cards from your balance.

Load a balance by SPEI, PIX or a debit card, then spend card by card. There is no credit line, no debt and no credit underwriting. When the balance hits $0, spending stops.

Your own balanceNo debtTop up any time5 minutes to start
Set up your first ad cardCharge past your balance → declined. The other cards keep spending.
Available to spendSelf-funded
$25,440
Drawn on ads $24,560Top up when you choose
$0Spending stops
$50,000Loaded by you
Charge past your balanceDeclined
Side by side
Debit Mode
Capital Mode
Where the money comes from
A balance you load — SPEI, PIX or a debit card
Palanca funds the month, you repay the statement
What sets the ceiling
Your balance, then the cap on each card
A line that follows measured campaign payback
Underwriting
None. No credit check, no guarantee
Business performance — never personal credit
Repayment
Nothing to repay
Debited in full on the monthly due date
Card controls
Per-card caps, advertising merchants only, freeze, alerts
The same controls, the same cards
Time to first card
Minutes after the first top-up clears
Apply in minutes, decision inside one business day
Cards built for ad spend

Put every ad dollar behind guardrails.

Every card draws from your balance and stops at the limit you set. Unlimited cards on ad platforms — nothing to issue, load or spend.

MetaGoogleTikTokKwaiRedditLinkedInX+ Visa

Works where ads run.

Any ad platform that accepts Visa — Meta, Google, TikTok, Kwai, Reddit and the rest. No integration needed.

Rosa · Meta ·· 4417$1,200 / day
Iván · Google ·· 9032$640 / day
Bruna · TikTok ·· 2210frozen

Assign cards your way.

A card per media buyer, platform or account. Cap or cancel one without stopping the rest.

Balance loaded$50,000
$25,440
Spending stops at $0

Your balance sets the ceiling.

Every card draws from the balance you load. When that balance hits $0, spending stops.

CategoryAds & marketing
Monthly budget$18,000
Out of policy · UberDeclined

Locked to ad spend.

Cards are restricted to advertising merchants, with an optional budget on each. Anything outside those controls is declined.

75% of card limit usedAlert
$4,120 declinedControls
Card ·· 8142 frozenUpdate

Stay on top of card activity.

Alerts at 50, 75 and 100% of a card's monthly limit. Know when a charge is declined or a card is issued, frozen or cancelled.

Dispute · $310Submitted
Dispute · $310Won
Statement · August · CFDIView

Disputes and statements, in place.

Dispute a charge from Activity and follow its status. Monthly statements stay in the same workspace, with the CFDI or Nota Fiscal reference attached.

The workspace

Try it. Issue a card, move a cap, close the month.

The same components the product runs on, loaded with demo data. Nothing you change here leaves your browser.

Issue a card, move a cap, block everything that is not advertising, freeze in one click.

Cards draw on the funded balance.
4 cards · 1 frozen$1,653 spent today of $2,920 in caps
Utilisation today
Meta ·· 4417$744 of $1,200
Google ·· 9032$243 of $640
TikTok ·· 2210$666 of $900
Kwai ·· 7781$0 of $180
SettledPending authorisation
Meta ·· 4417
Rosa Calderón
Daily cap$1,200
62% used today · authorisations above the cap are declined at the network
Monthly cap$26,400
Applies at the next authorisation
AI native reporting

See all your ad spend live. Ask what changed, what it cost and what drove revenue.

Card spend
$38,420
+11.1%
Sep 1 – Sep 30 · vs prior period
This period
Prior
Meta leads the increase — $4,180 above the prior period.
Spend by network
Last 30 days
Click a bar to hold it — the rest drop to 45%.
Share of spend
Always a donut, never a full pie — the hole carries the total. Four slices maximum, the rest grouped as Other.
Who it is for

If you pay for leads, work a pipeline and collect later, Palanca is built for you.

E-commerce & marketplaces
Ads paid — todayout
Payout — day 14 to 45in

Stock and ad spend go out first. The margin arrives after delivery and the marketplace payout.

ShopifyMercado LibreTiendanubeVTEX
Lead generation (PPL)
Source A · $38 per leadout
Source B · returns 3× morein

Same cost per lead, very different revenue per source. One card per source makes the split native.

InsuranceCreditEducationReal estate
Agencies & media buyers
Client budget — capped per cardout
Fee invoiced — month endin

Client budgets separated by project, a card per buyer, and an accountant view that touches no card controls.

PerformanceGrowthCreatorRetail media
B2B SaaS
Demo booked — todayout
Contract signed — day 60 to 120in

Months between the click and the contract. Cash has to cover the wait.

FintechHR techLogisticsVertical SaaS
Education & coaching
Enrolment paid — todayout
Twelve instalments across the yearin

You pay to enrol students today. Revenue arrives over a twelve-month plan.

BootcampsOnline coursesLanguageTutoring
Health & wellness
Patient acquired — $310out
Visit 1 · Visit 2 · Visit 3in

You pay to acquire patients. Revenue arrives over months of visits and repeat care.

DentalClinicsTelehealthMed spas
Markets

Built for companies registered in Mexico and Brazil

Mexico
1 USD = MX$18.40

Cards clear at Meta and Google MX without the fraud flags a local debit card collects.

Company tax IDRFC
Verified againstSAT registry
Invoice referenceCFDI
Settlement currencyUSD · MXN balance
Networks connected in Mexico
MetaGoogleTikTokKwai — not available hereReddit
Kwai sells inventory in Brazil only, so it stays dark on a Mexican workspace.
Somewhere else in LATAM?

Colombia, Chile and Argentina are next. Leave an address and we will write when cards can be issued against your registry — one email, nothing else.

Mexico and Brazil are live today.
Pricing

Spend over $25k a month and your platform fee is $0.

No fee to load, spend or issue a card.
Early adopters get three months at $0 with no minimum spend.
Unlimited cards and unlimited ad accounts at $25k a month on cards.
White-glove onboarding gets you set up and spending in the first week.
Get set up in 5 minutesCompanies registered in Mexico or Brazil
Questions? Read the FAQ
MonthlyEarly adopter · 3 months at $0
Unlimited cards in either mode, assigned to buyers, platforms or accounts.
Capital funds growth as revenue catches up.
Top-ups by SPEI, PIX or debit card at one conversion.
Card spend this month$38,420
Platform fee$99.00
Card spend ≥ $25,000−$99.00
You pay$0
Questions

The things people ask first

Anything else, write to hola@palanca.cc — a person answers.

Start free

Turn ad spend into more growth, faster.

Control ad spend. Fund growth before revenue lands. See what returned. Set up in five minutes — no sales call.

Or book a demo with the team