17 Best Virtual Card Providers for Business Spending [2024]

Wallester, launched in 2018, provides single-use virtual cards for purchases with spending limits and real-time expense tracking. It comes with a fraud monitoring feature that complies with KYC and AML regulations to ensure the safe and legal use of Wallester’s services.

Wallester lets you tokenize various card types for convenient use in digital wallets such as Apple Pay, Google Pay, and Samsung Pay. Their customizable white-label service is great for businesses looking to launch their own credit cards.

Wallester offers different pricing plans for virtual cards, with a free plan for up to 300 virtual cards. Premium plans include up to 3,000 virtual cards for $209.99/month, while the platinum plan offers up to 15,000 virtual cards for $1049.99/month. The Enterprise suite plan has custom pricing and includes top-tier services, including a customer success manager, custom contracts, and better rates.

Moss, founded in 2019 in Berlin, offers various cards designed to enhance corporate expense management, providing employees and companies with budget cards, merchant-specific subscription cards, and virtual credit options for smooth transactions.

Moss virtual cards offer real-time transaction tracking, automatic receipt matching, and integration with Xero. They are also an official DATEV marketplace partner, helping tax consultants improve their accounting systems and streamline bookkeeping tasks.

Moreover, Moss Credit goes up to a £2.5 million spending limit and a 60-day payment window.

Moss offers unlimited virtual cards with built-in spend approvals and controls, rule-based accounting automation and real-time visibility of each transaction within its platform. You can inquire about these virtual card’s pricing by directly contacting Moss’s support team.

BILL Spend and Expense combines a powerful company card with expense management software to streamline reporting and give you more control over spend. Now, users can get a separate subscription card for each vendor and limit the available funds for that card to avoid getting overcharged.

BILL prevents fraud and compromised accounts in a few clicks. The credit limits for BILL virtual cards get reset every month, so companies do not have to worry about getting additionally charged or missing out on monthly subscriptions.

BILL helps manage recurring subscriptions. The BILL Spend & Expense plan is available for free, and users do not have to spend money to get virtual cards.

Combo Cards are virtual cards that offer a secure and flexible solution for managing expenses, advertising, and business purchases. They provide bank-level security, ease of use, and efficient operations, with features such as 3DS protection and a personalized Telegram bot for OTP codes.

Combo cards let you track expenses, monitor trends, control account balance, and generate finance reports with ease. Plus, you can add funds from AdСombo, wire transfer, or USDT and use them for marketing campaigns on various platforms like Facebook, Google Ads, TikTok, and others.

Combo Cards can help you invite collaborators, assign roles, and distribute budgets effectively.

Combo Card’s starting price is $0, with a minimal 3% commission on top-ups. Plus, you can deposit up to $5000 with no commissions within 14 days after signing up.

Airbase virtual cards can be issued for both single and multi-time use. It has a request spend feature where an employee can easily ask for payment approval quickly with Airbase’s dynamic ecosystem.

Airbase supports 70+ ERP systems, such as NetSuite and QuickBooks Online, and other business tools like Asana and Jira. Its strength lies in AI-based OCR and generative AI expense reports from an image of your receipts.

Airbase virtual cards provide strong compliance features with department-specific auto-categorization. They enable smooth transactions through various methods, such as ACH, check, vendor credit, virtual card, and wire transfer. Optional travel management and PCI-compliant security measures are also available. Additionally, there is an in-depth audit trail with transparency for every transaction.

Although Airbase offers a suite of features, you can use their AMEX or SVB cards on the Airbase spend management platform with its Standard plan, which caters to around 200 employees. Contact the administrator to learn more about the pricing plans.

Intergiro offers secure and encrypted virtual cards with real-time spend monitoring tools for finance teams to track transactions and prevent unauthorized activities.

Businesses can use Intergiro virtual cards to pay for goods and services like airline tickets, hotel bookings, and car rentals from every merchant that accepts Visa, MasterCard, or American Express.

Intergiro further offers easy access to team members and integrates with Apple Pay and Google Pay for easy and secure payments.

Intergiro offers three pricing plans, including a “Starter” plan for €9/month, a “Growth” plan for €49/month with no thresholds on outbound euro payments, and an “Enterprise” plan that can be customized to specific needs.

PST virtual cards are instantly issued and come with security features like 3D-Secure and unique Bank Identification Numbers (BINs). They are cost-effective for businesses because they charge 0% for transactions, declined payments, and withdrawals, except a 3% deposit fee. Moreover, these cards can be topped up using cryptocurrency, including BTC and USDT.

PST lets you connect with Telegram for timely updates to improve user experience. It supports deposit issuance, which ensures scalability for growing businesses. You get various budget and role management tools like team functions, spending limits, instant transfers, financial reports, and role-based access control​. Plus, they have a referral program too, which lets you earn up to 90% of profit.

PST offers various VISA cards at different prices. The Ultima card costs $7 for a virtual card. For a Facebook ad card that costs $10/month, you’ll be charged a $0.50 transaction fee and a 2.9% deposit fee. The Google Ads virtual card costs $10/month and comes at a $0 transaction fee and a 6% deposit fee.

For a universal advertisement card, PST charged a monthly fee of $10, a $0 transaction fee, and a 6% deposit fee.

Pleo virtual cards focus on employee expenditures and offer individual spending limits as well as real-time transaction notifications. In case of suspicious activity, administrators can issue, freeze, or cancel cards with just a few clicks.

Pleo is a convenient solution for managing travel expenses, as it helps calculate mileage, track invoices, capture receipts, and ensure compliance with company policies. The cards are issued by Mastercard and protected by various security standards and regulations such as PCI DSS and GDPR.

Pleo offers three different plans for their services: a free “Starter plan” for up to three users, an “Essential plan” priced at £39/month, and an “Advanced plan” priced at £89/month, all billed annually.

Mesh helps your business automate expense management and track your employee’s expenses through its virtual cards and instant alerts from various platforms like Slack.

Mesh card holders can use their cards for various payments including, SaaS, travel, or in-person purchases.

Mesh offers a Plug & Pay Visa Business card that is numberless and can be linked to virtual cards. This feature enhances security by reducing the risk of card number theft. Finance managers can control and manage these cards remotely through the Mesh platform.

Mesh offers three different plans for spend management: Pro, Premium, and Custom. The Pro plan is free and allows for global spend management. The Premium plan costs $10 per month per user and offers tools for scaling operations. The custom plan provides extensive spend control tailored to individual business needs.

Stampli helps companies simplify their accounts payable process by offering virtual cards for both AP workflows and employee expenses, with customizable spending controls to enforce compliance with internal policies.

To streamline processes for accounts payable teams, Stampli Card allows for the pre-coding of purchases and employee expenses, significantly increasing efficiency.

Stampli’s virtual credit cards assist you in detecting duplicate invoices, preventing fraud, and automatically routing approvals, which reduces manual tasks and errors.

Stampli’s real-time visibility gives you control over the entire invoice lifecycle, from receipt to payment. Currently, they only have a custom plan with monthly and annual subscription options.

Tribal provides a complete financial platform for small and medium-sized businesses in the Middle East and North Africa (MENA), and Latin America (LATAM) regions.

Tribal offers hassle-free foreign exchange operations, on-demand revolving financing, real-time spend reports, and user role-based spending policies to boost your business.

Tribal’s virtual cards can be used for a wide range of transactions, from online advertising and subscriptions to business travel and international payments.

Tribal supports data encryption and real-time deactivation as well to reduce the risk of cloning and identity theft. They offer significant flexibility, with options for single-use or recurring payments, which can be tailored to specific expenses such as travel or digital ad spending.

Tribal has a complete suite of spend management and corporate card features, but they haven’t disclosed their pricing structure. You can contact their support team to inquire more about their subscription costs.

Karta offers a powerful solution for managing corporate expenses with its smart virtual credit cards. These cards come with built-in fraud protection and can be tailored to specific expense levels and categories.

Each Karta virtual card can be fine-tuned with filters like amount, category, or time to avoid overspending. Plus, you can even create single-use cards, which keep company card details private and reduce any risk of fraud.

Karta virtual cards further collaborates with Visa’s Fintech Fast Track Program to expand its services using Visa’s worldwide payment network. You can use these cards across major platforms like Google Ads, Meta, Taboola, and TikTok and can even link them to specific vendors or services. For better security, you can use tokenization to generate unique, randomly generated codes for each purchase.

Karta cards let you complete payments, create specific budgets, and collaborate with your team, all in one place. You can contact the administrator for more details on their pricing.

Extend allows businesses to generate and oversee virtual cards by integrating with major financial institutions such as American Express, BMO, and others.

Extend provides businesses with the ability to create virtual card numbers for vendor payments, with customizable spending limits and expiration dates. This helps prevent fraud and makes expense reconciliation easier by categorizing expenses automatically.

Extend virtual cards could be sent as guest cards directly to contractors or vendors even without an Extend account. Plus, it lets you load your virtual cards into several mobile wallets like Apple Pay and Google Pay for instant use.

Extend integrates with accounting software like QuickBooks and Expensify and allows users to deactivate and reactivate their virtual cards for better safety.

Extend offers a demo call to brief you on their services and their virtual card offers. You can directly contact them to get your perfect plan along with its cost.

Airwallex offers virtual cards for businesses to easily create and manage multiple virtual cards for online purchases, subscriptions, and recurring payments.

With AirWallex virtual cards, you can open domestic and foreign currency accounts in minutes and bypass the traditional red tape and paperwork associated with bank branches.

AirWallex comes with cost-effective services as it charges no account opening fees, maintenance charges, or minimum transaction requirements. Moreover, in terms of security, it employs end-to-end encryption and biometric identification along with protocols like PCI DSS, SOC1, and SOC2.

Airwallex allows businesses to easily create employee and company cards. For pricing information, you can contact their sales or support team directly.

Emburse virtual cards simplify spending and travel management for businesses with features like flexible spending rules, mobile receipt capture, and automatic expense categorization.

Emburse features intelligent controls to prevent policy violations and surface anomalies, ensuring every expense complies with company policies.

Emburse’s real-time expense management feature offers immediate visibility into all transactions. It supports a strong control mechanism through pre-approval and policy controls such as spending limits and merchant category restrictions.

Emburse integrates with various tools such as CRM, HR, and productivity tools to track important data for businesses, including subscriptions, projects, clients, and tradeshows, with unlimited custom fields.

Emburse offers its virtual cards and expense management solutions in a single package. You can either take a demo or get over a quick call to learn more about their pricing plans.

Netspend prepaid card is designed to simplify financial management for small business owners. It has no minimum balance requirement or activation fee and helps separate business and personal expenses for clear financial records and easier tax preparation.

To make a secure online purchase, you can use a temporary virtual account number generated through the online account center linked to your Netspend prepaid card.

Netspend lets business owners issue additional cards with spending limits for employees to monitor spending effectively. You can use their mobile app, which offers convenience with direct deposits, check loading, balance monitoring, and transaction alerts. Plus, its Payback Rewards program provides cashback with specific purchases like on Burger King or Walmart.

Netspend prepaid card features a manageable $9.95/month fee and provides a daily spending limit of $7,500. Additionally, users can withdraw up to $940 daily from ATMs, with a fee of $2.50 per transaction for both in-network and out-of-network ATMs.

Privacy cards introduced in 2014 provide safe online purchases with robust privacy and security features. These cards are linked to specific merchants, with single-use cards expiring after one transaction. Virtual cards offer customizable spending limits and can be easily stopped or deactivated, allowing users to set transaction limits to maintain control over their finances.

Privacy lets you track real-time transactions, and its extra security features hide payment details to keep them confidential. This means that you can quickly shut it down without any impact on your real bank account or credit card.

Privacy offers different plans from the Plus plan starting at $5/month for 24 cards to the Pro plan at $10/month for up to 36 new cards, with a “Premium plan” for $25/month allowing up to 60 virtual cards. All paid plans include priority support, discrete transactions, and 1% cash back on eligible purchases.

Revolut started in 2015, offers two types of virtual cards–disposable debit cards and multi-use debit cards. These disposable cards regenerate with a new, unique card number after each transaction, ensuring merchants only have access to a temporary number. This feature significantly reduces the risk of unauthorized charges and online fraud.

Revolut allows users to set a spending limit, lock cards to specific merchants, and track expenses in real-time. Not to mention, these cards can be linked to mobile wallets like Google and Apple Pay easily.

Revolut offers three plans – Standard, Premium, and Metal. The Standard plan is free and includes physical and virtual cards, as well as currency exchange. The Premium plan costs £7.99 per month and includes card customization and other perks, while the Metal plan costs £14.99 per month and includes free cash withdrawals, accounts for under 18s, express card delivery, and a 4.25% APY.