What is a virtual card?

A virtual card is a unique 16-digit card number that’s digitally-generated and tied to your
account. You can use a virtual card for vendors and online payments. They keep your real card
number protected, and put you in control.
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Virtual cards are free to create and easy to use

Set up in just a few clicks
(literally)
Define spending limits
and freeze cards
Pay with a unique card
for every vendor

Coordinate your operating expenses

Never overpay a vendor again. Create a unique virtual card for each vendor and set hard spending limits. Card limits reset when you want them to so you don’t miss vendor payments—and you won’t get charged extra.

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Get visibility into every online purchase

The BILL Spend & Expense platform shows you every time an employee swipes their card—and this includes online spend. No more printing out digital receipts or filing an expense report for every recurring payment. With virtual cards, you get real-time visibility into every transaction.

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Prevent fraud with virtual card controls

BILL Spend & Expense virtual cards help protect you from vendor overcharges and compromised accounts. The old way involved paying hundreds of vendors with a single corporate card, leaving your business constantly at risk. Now, you can use a unique card for every vendor with controls that you assign.

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The BILL Spend & Expense Chrome extension

Physical cards, virtual cards, contactless payment options, and BILL’s Chrome extension make spending with BILL a breeze, no matter how you’re spending or where you are.

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“With [BILL Spend & Expense] virtual cards, there is less likelihood of fraud and incidents like card loss will only have minor implications. For me, I feel a lot more comfortable now with [BILL Spend & Expense] in terms of controls and security of our credit card numbers.”
Marc Balcke
Corporate Controller by Noom
Read the case study
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Features of virtual cards in BILL Spend & Expense

Unique card
numbers per vendor

Control how much is available for each card.

Recurring payment
management

Manage subscriptions and never get overcharged.

Card-specific
controls

Set hard limits so you never go over budget.

Real-time
spend tracking

Gain instant visibility into all card charges.

Instant spend
notifications

Alerts help you fill out custom fields for accounting.

Custom
spending limits

Determine your exposure with specific vendors.

Automatic and
manual card freezing

Freeze or delete any virtual card at any time.

Lightning-fast transaction
categorization

Put each purchase in the right place with a few taps.

Commonly asked virtual card questions

What are the benefits of virtual cards for business?
Virtual cards are more secure, prevent vendor fraud, limit your risk with subscriptions and recurring payments, and help control spending.
When should businesses consider using virtual cards?
Businesses should use virtual cards whenever they shop online, make a one-time purchase, or pay for subscriptions and operating expenses.
Can you use virtual credit cards in-store?
Virtual cards are designed for online payment, but are regularly used over the phone with vendors or in stores where card numbers can be manually entered.
Are virtual cards safe?
Virtual cards are safer than your plastic card, because they protect the original account numbers from use. Virtual cards also offer greater control over spending and a faster process for detecting and stopping fraud.
How can your business use virtual cards for subscription management and operating expenses?
Businesses can set up a separate virtual card for each subscription or vendor, setting limits on how much can be charged and when the subscription should end. That means vendors can never overcharge you or renew your subscription unless you allow it.
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Ready to dominate your business spending?

Join the millions who pay and get paid with BILL.
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