Virtual credit cards that pay you back, every single time.

Pay vendors directly from your ERP and earn an average of $43K a year in rebates. Already accepted by 600,000+ network vendors and counting.

Start Earning Rebates
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Built for AP. Not just B2B.

Checks crawl. Corporate cards miss the mark. Virtual cards are designed for secure, scalable, and seriously efficient vendor payments.

Corpay Virtual Cards
Corporate Cards
Checks
Instantly issued card numbers
Issue secure, one-time-use cards in seconds
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
ERP-initiated vendor payments
Push payments directly from your ERP system
Manual card entry or reconciliation required
Requires batch file uploads or paper handling
Purpose-built for supplier payments
Designed for high-volume AP and vendor workflows
Primarily intended for travel and employee spend
Lacks control and tracking but lacks control and tracking
Monthly cash rebates on spend
Real cash back from vendor payments
Varies widely, often tied to T&E use
No rebates available
Granular spend controls
Set limits, expiration dates, and merchant restrictions
Limited or unavailable depending on issuer
No control options
Policy-driven compliance features
Built-in controls aligned with finance policies
Compliance dependent on card program setup
Entirely manual to enforce policies
Replaces paper workflows with automation
Fully digital, with auto-reconciliation per payment
Partial automation
Entirely manual and paper-based

Virtual cards for every kind of business spend.

Virtual Card

Self-Service
Virtual Cards

Need to make a one-off payment or set team spend limits? Just issue a virtual card on the spot. Set controls by vendor, amount, or expiration date. Perfect for employee purchases, projects, or department budgets.

Virtual Card

Virtual Cards for Accounts Payable

Send vendor payments directly from your ERP, then let us take it from there. Corpay enrolls your vendors, delivers secure, single-use virtual cards, and tracks every transaction. We handle the heavy lifting so you can scale with ease.

Virtual Card

Full-Service
Payment Automation

One file. Every payment. Zero chaos. Send us a single payment file and we’ll handle the rest. Virtual card, ACH, or check, we’ll get it paid, reconciled, and vendor-ready so you don’t have to lift a finger.

Your ERP.
Our engine.

We plug straight into your accounting system to trigger instant virtual payments, automate approvals, and keep it all moving.

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CASE STUDY

From vendor chaos to virtual card control.

Finance teams everywhere are ditching paper and earning rebates without changing how they work.

“The rebates generated outpaced the cost of Corpay. When you’re doing things like that, you really don’t have to sell other people in the organization on something you’re doing. It pays for itself.”
Chris Duprey

Chief Financial Officer, Granger Construction

FAQ

Questions? We’ve got answers.

From setup to saving time, find all the info you need to start making your AP work for you.

1. What is a virtual card?

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

2. How are virtual cards different from physical cards?

3. How do virtual cards improve security

4. Can we set spending limits or restrictions?

5. Can virtual cards be used for business payments?

6. Do virtual cards offer financial benefits?

7. How do virtual cards reduce manual work?

8. How do virtual cards integrate with our systems?

9. Do virtual cards support mobile or in-store use?

10. Are virtual cards hard to implement?

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Get paid to pay your vendors.

You’ve got the suppliers. We’ve got the platform. Let’s put your AP on autopilot and send you a check in return.

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Let’s get started