Take charge of payments with Visa’s virtual card

Visa’s virtual cards let you access and manage various aspects of your business transactions while leveraging advanced security. Virtual credentials give your business more control, security, efficiency, and working capital management, so you can pay suppliers faster, enable employees, and unlock new opportunities.

Watch the virtual card video

Improving payments, unlocking potential

Virtual card adoption is on the rise and Visa’s virtual card uses innovative technology, so you know you’re operating at the forefront of virtual products.

Future-minded

The market potential of virtual payment solutions is being recognized and the demand is accelerating.

Flexible

Visa’s virtual card is a versatile solution to meet your payment needs, across industries and around the world.

Safe

Quick activation and deactivation keep underlying account data separate.

A card with more control and less risk

Explore the many benefits that come from choosing to use a virtual card for business payments, like better-informed decision making, stronger vendor relationships and short-term liquidity risk mitigation.

Maximize control and enhance security

Visa’s virtual cards let you access and manage various aspects of your business transactions while leveraging advanced security technology that helps protect your business.

• Leverage 45+ payment controls and set payment periods or spending amounts, ensuring that money goes where it’s supposed to, when it’s supposed to.
• Review, approve or deny transactions in real time, reducing any surprise spending, and deactivate the card quickly to reduce opportunities for misuse.
• Monitor and reconcile payments with total transparency with Visa's expense management solutions.
• Minimize the potential for compromised data with a virtual card that conceals the underlying business account.

Create efficiency and better manage working capital

Virtual cards can help streamline operations, maximize resources and open up new opportunities to help you realize your full business potential.

• Integrate Visa’s virtual card into existing Enterprise Resource Planning (ERP) or your standard Accounts Payable (AP) systems to enable virtual and automated payments within existing processes.¹
• Reduce delays with cards that can be issued immediately, with faster and simpler reconciliation.
• Get visibility for better working capital management with the help of robust, near real-time data, and pay suppliers quickly with credit payments, to maintain access to working capital.
• Embrace more investment opportunities with the resulting cash flow, while potentially mitigating short-term liquidity risks.

Use with mobile wallets

Push virtual cards to mobile wallets, including Apple Pay and Google Pay for a simplified user experience.

• Get the same control and security that allow for precise spending limits and monitoring of transactions.
• Minimize the risk of fraud and unauthorized expenditures.
• Enjoy the familiar seamless digital payment options you trust.
• Enhance operational efficiency by automating payment processes and reducing the administrative burden associated with traditional payment methods.

Whitepaper Understanding the virtual card landscape

National Australia Bank (NAB) and Visa use continuous innovation to help make commercial payments smarter, faster and more accessible.

Read the NAB whitepaper

Case study Virtual cards put businesses in control

Float’s virtual Visa cards helped small businesses streamline payments and manage expenses.

Read the Float case study

A versatile solution to meet your payment needs across industries and around the world

The benefits of Visa‘s virtual card extend across the spend continuum—from the largest strategic investments to the smallest employee purchases—creating a world where you can access virtual payment solutions that help move your business forward.

Manage business travel spending with ease

REDUCED FRAUD RISK

Visa's virtual cards provide the ability to control where, when, for how long, and the exact value for which a card can be used, preventing improper use.

EASY-TO-SET AND ADJUST LIMITS

Set firm controls on spending and have the flexibility to adjust as needed in near real-time, no matter where your employees are traveling.

ON-DEMAND ISSUANCE

Provide temporary cards with robust controls to employees who have ad-hoc travel expenses or who are infrequent travelers. Instant issuance to digital wallets also allows employees to hit the road and start tapping immediately.

SIMPLIFIED EXPENSE REPORTING

Reduce time spent managing expenses by employees when you assign virtual cards to specific trips, making it easier to group expenses and complete expense reports.

Keep contract workers on task and on budget

ISSUE INSTANTLY

Avoid long lead times associated with having a physical card mailed to contract workers by immediately issuing Visa’s virtual card to their mobile wallet.

KEEP WORKERS FOCUSED

Widely accepted, quick and secure, Visa’s virtual card lets contractors easily make purchases and get back to the task at hand — helping stay on schedule and on budget.

CONTROL PURCHASES

Strict controls eliminate occurrences of unauthorized purchases and the complications associated with them, greatly reducing the risk of fraud.

RECONCILE EASILY

When a job is complete, the card expires and the transactions are directly synced with the company’s accounting software, saving administrative time and costs.

Simplify international business transactions

MAKE PAYMENTS FASTER

Traditional wire transfers are slow, expensive, and lack transparency. Visa’s virtual cards can authorize in near real-time, letting you complete transactions faster.

ADD TRANSPARENCY TO GLOBAL PAYMENTS

Visa’s virtual cards take the guesswork out of cross-border payments. Virtual cards pay suppliers in their preferred currency and can be single-use, so each virtual card payment corresponds to a specific invoice.

SECURE YOUR SUPPLY CHAIN

Quick payment using Visa’s virtual cards can help in building a strong relationship with suppliers, which can be beneficial for negotiating terms in the future.

Make payments seamless, simple, and secure

INCREASED CONTROLS TO PREVENT FRAUD

Visa's virtual cards are issued instantly, and protect the underlying account. An array of controls, like Merchant Category Codes (MCCs) and amount, is also available. As a result, fraud risk is greatly reduced.

SIMPLIFIED RECONCILIATION

With embedded finance, invoices and payments are all in one place, making it easy to track purchases and view spend in accounting systems.

WORKING CAPITAL EXTENSION

Visa's virtual cards deliver extended Days Payable Outstanding (DPO) for buyers and can reduce Days Sales Outstanding (DSO) for suppliers, enabling better working capital and cash management.

IMPROVED PROCESSING SPEED

Suppliers receive payments faster via straight-through processing (STP).² Data-rich transactions reduce reconciliation time. Embedded finance transforms payments for businesses and suppliers alike.

Stay successful on the road ahead

GET ON THE ROAD FASTER

Instantly issuing Visa's virtual card gets your drivers on their routes faster, helping generate more revenue.

AUTHORIZE PURCHASES

Track and restrict purchases to specific categories or locations to reduce the risk of fraud in your fleet.

GAIN HIGHER SATISFACTION

By catering to small, medium and large business needs, Visa's virtual cards can help increase client satisfaction to create longer lasting relationships.

ADJUST LIMITS EASILY

Visa is widely accepted around the globe, allowing fleet managers to easily adjust spending limits for unexpected expenses like emergency vehicle repairs.

UTILIZE THE LATEST TECHNOLOGY

From security measures to ease of use, Visa's virtual cards add new levels of efficiency and protection to your fleet’s finances.

Pair invoices with innovation

OPTIMIZE WORKING CAPITAL

Utilizing Visa's virtual cards, a company can extend its Days Payables Outstanding (DPO) and reduce supplier Days Sales Outstanding (DSO), improving cash flow, offering strategic investment opportunities, and mitigating short-term liquidity risks.

REDUCE FRAUD

Visa's virtual cards greatly reduce the risk of fraud by incorporating payment controls such as time, amount, and Merchant Category Codes (MCCs) to mitigate potential compromise.

PURSUE INVESTMENT OPPORTUNITIES

Reduce the need for high-interest loans by leveraging the working capital benefits of Visa's virtual cards to invest in strategic endeavors like buying inventory, facility renovations, or business expansion initiatives.

REDUCE WORKLOAD

By seamlessly integrating into a company’s accounting system, Visa's virtual cards can help reduce Accounts Payable processing efforts.¹

IMPROVE RECONCILIATION

Adopting Visa's virtual cards improves efficiency of paying invoices and reduces associated costs by having single-use payments that match with individual purchases.

Streamline and secure the way your business transacts

OPTIMIZE CASH FLOW

Hold onto your cash longer to better manage and retain your company’s valuable cash flow. By using credit for purchases, your business has the entire credit payment period to pay.

BETTER CONTROL FUNDS

Issue a single-use, virtual card to employees as needs arise to reduce the risk of physical cards being misused or misplaced.

REDUCE ADMIN WORKLOAD

Having Visa's virtual cards assigned to specific transactions reduces administrative time for reconciliation. Additionally, eliminate the need for employees to use personal funds to make everyday purchases.

SECURE PURCHASES

Get better security for online and in-person transactions with accounts that expire after they are used for a specific purpose or used within a specific time period.

TRANSACT WHERE YOU OPERATE

Visa's virtual cards seamlessly integrate into accounting software, meaning you and your employees can pay without having to leave your software portal.¹

Learn more about virtual cards

If you’re ready to take charge of your payments the digital way with Visa’s virtual cards, contact us to learn more.

1. Not all ERP and AP software solutions are integrated to Visa. Check with your Visa Relationship Manager for the current ERP and AP integrations.
2. STP not available in all regions. Check with your issuer for more details.