Corpay
LoginTalk to an expertCorpay

Virtual Cards

Help reduce fraud exposure and increase controls on spend

Strengthen your spend control and issue virtual cards in minutes. Set precise limits, earn rebates, and reduce risk with auto-expiring single-use cards.

Get started
Corpay

Over 800,000 customers trust Corpay1

  • MLS
  • NHL
  • Cirque
  • hendrick
  • the home depot
  • deloitte
  • Trane
  • DirectTv

Built for AP. Not just business payments.

Virtual cards bring tighter spend controls, lighter admin, faster approvals, and rebate-earning2 opportunities. Help your team grow their payments operations without added risk or complexity.

Corpay Virtual Cards
Other Traditional Business Cards
BACS Payments for AP
Instantly issued card numbers
Issue secure, one-time use cards in minutes
Typically require manual issuance or cardholder request
Not applicable
Auto-expiring for added security
Cards expire automatically to reduce fraud risk
Most cards remain open unless manually closed
Not applicable
Purpose-built for supplier payments
Each card maps to one payment, supplier, and business purpose
Lacks individual control for employee spend
Lacks control and tracking
Cash rebates on spend
Real cash back from qualifying supplier payments
Can vary widely
No rebates available
Granular spend controls
Easily set precise spending limits
Limited or unavailable depending on issuer
No control options
Helps replace manual workflows with automation
Auto-reconcilliation by linking payments to invoices
Partial or no automation
Entirely manual and can be time costly
Speak to an expert

Virtual cards that can help your finance function move quickly

Self-service virtual cards

Need to pay a supplier or make a one-off purchase? Issue a virtual card on the spot, perfect for employee purchases, project expenses, or department budgets.

Virtual cards for
Accounts Payable

Corpay delivers secure, single-use virtual cards, and tracks every transaction. This helps reduce manual monitoring for your finance team.

Virtual cards that can reduce fraud

With single-transaction card credentials, your organisation benefits from tighter payment security and reduced fraud exposure.

From supplier chaos to virtual card control.

Replace manual payments that don't provide pay-back with virtual card payments that do.

“There's nothing to lose. You can only win. It's a value proposition. It streamlines your payments. You're able to generate additional revenue. It can really change how your AP Department is perceived.”

Ken Houle, AVP Finance, Walbridge.

Virtual cards in action

Watch our video demo to see how to issue a virtual card with Corpay Complete. 
Or set up a demo call with one of our sales experts.

You’ve got questions? We’ve got answers.

1. What is a virtual card?

A virtual card is a digitally generated payment card complete with a unique 16-digit number, expiry date, and CVV. It can be used for online or card-not-present transactions. Unlike physical cards, they exist only in digital form and are single-use.

2. How are virtual cards different from physical cards?

Virtual cards are issued in minutes and used digitally, no plastic or waiting. Unlike physical cards, they are created for a single transaction. They offer the same payment power with far more flexibility and built-in security.

3. How do virtual cards improve security?

Virtual cards mask your primary account information, helping to reduce your exposure to fraud. Single-use credentials and spending limits all help prevent unauthorised transactions even if a virtual number is stolen.

4. Can we set spending limits or restrictions?

Yes. Administrators can define custom spend limits for each card. This helps give you control over budgets without slowing anyone down.

5. Can virtual cards be used for business payments?

Yes. Virtual cards are ideal for accounts payable, employee expenses, software subscriptions, and vendor payments. They offer granular controls that can help finance teams manage spend, automate reconciliation, and earn rebates.

6. What makes virtual cards ideal for employee expenses?

Virtual cards can reduce the need for employees to spend their own money on business expenses and claim it back, while helping to reduce personal financial risk or expense report hassle. They can also offer remote workers spending power without having to collect a physical card. Virtual cards can be used for a number of purchases, including booking travel, team lunches, one-off software purchases, conference fees, or event supplies.

7. Do virtual cards offer financial benefits?

Yes. As well as helping to streamline payments, many virtual card programs offer cash back rebates. This can turn your AP function into a revenue-generating opportunity while also improving cash flow with flexible payment timing.

8. How do virtual cards reduce manual work?

They help automate key workflows. Cards can be issued on demand, allowing teams to track spend in real time, and link payments to invoices. All of this can eliminate paper trails and repetitive tasks.

9. Are virtual cards hard to implement?

Not at all. Corpay’s Virtual Card programmes are designed for fast implementation and easy adoption. We handle supplier onboarding, card issuance, and system integration so your team can get up and running with minimal effort.

Access a more secure way to pay your suppliers

Transform your AP payments at scale while reducing your risk exposure.

¹Across the Corpay Group of companies
²Rebate terms & conditions subject to agreed card-based volumes on monthly spend.
Level of rebate for illustration purposes only and rate paid will depend on monthly spend.
³Up to 44 days of free credit, subject to status and a full credit check.