Virtual Card Maker is a standalone platform for businesses that want full control over how, when, and where their money gets spent. Built and operated by Zil Money.
Virtual Card Maker lets US business owners issue virtual Visa cards in under a minute. Each card can be locked to a single merchant, restricted to a country or city, capped by amount, and limited to a specific time window. Cards can be sent to employees, contractors, or vendors by email, or pushed straight to Apple Wallet and Google Wallet for tap to pay.
We built the platform so finance teams can stop chasing receipts, stop fighting surprise subscription renewals, and start treating every dollar leaving the business as an intentional decision.
Most business spend platforms are built for venture-backed startups with credit history and a willingness to give up equity for a corporate card. We wanted something different: a way to issue Visa cards for any US business, from a one person LLC to a 500 person operation.
Virtual Card Maker is what we wanted as business owners ourselves. So we built it.
Virtual Card Maker is a service of Zil Money, a payment operations platform that has been serving US businesses for years. Card issuance, processing, and settlement happen through Zil Money's licensed banking partners. Your wallet balance is held in a custody account until you spend it on a card.
Issue a card quickly and push it straight to a wallet. No phone calls, no paperwork.
Spend rules check every swipe in under two seconds. Lock a card to one vendor. Cap a card at $500. Done.
Issue one card or ten thousand. Bulk upload an Excel file. Build with our API. Multi entity, multi user.
The fastest way to learn is to try it. Open an account at live.virtualcardmaker.com and issue your first card.
For partnerships, press, or anything else, head to our contact page.