Issue virtual Visa cards quickly. Sign up →

Issue virtual cards
for vendors. payroll. subscriptions. contractors. your team. gifts.

Set the spend limit, lock the merchant, send it. The cardholder gets a Visa card quickly. You track every transaction from one dashboard.

Create your first card
✓ Issue quickly ✓ Apple & Google Wallet ✓ Bulk via Excel or API

VirtualCardMaker powered by Zil Money. Zil Money is a financial technology company, not a bank. Banking services are provided by our partner bank, Member FDIC. FDIC insurance applies only to eligible products associated with those that have funds held in accounts at the partner bank, subject to applicable limits and requirements.

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HIPAA Compliant
New Card
US only
SaaS only
Weekdays
Card sent to Sarah Chen
Card Name
4485 •••• •••• 8204
Marketing Team
$5,000 / month
A new way to spend

Every card on its own leash.

A virtual Visa card with rules baked in. Limits, merchants, locations, time windows. You set the rules, we enforce them.

Issue quickly

Pick a card type, set a limit, send it. Cardholder gets the card by email or pushes it straight to Apple Wallet or Google Wallet.

Control every dollar

Set spend caps per transaction, day, month, or year. Lock cards to specific merchants, countries, or time windows.

Track every charge

Live transaction feed. AI categorizes receipts. SMS reminders for missing ones. Export reports straight to your accounting software.

Built for control

Stop overspending before it happens.

Cards your team can actually use. Controls your finance team can actually trust. Reports your accountant will love.

Every rule, on every card.

Set guardrails on each card you issue. Every swipe gets checked against your rules and wallet balance, then approved or declined in under two seconds.

  • Limits per transaction, day, month, year
  • Lock cards to specific merchants or stores
  • Restrict by country or city
  • Time windows for weekdays or business hours
Card Restrictions
Active
Geographic United States only
Merchants Subscriptions only
Time window Weekdays, 9 to 6 ET
Amount $500 per swipe
4 of 4 rules active Save

Receipts and categories, sorted for you.

Cardholders snap a photo and our AI itemizes the receipt and tags the category. Managers approve in a tap. Missing a receipt? An SMS reminder goes out automatically.

  • AI itemization and category tagging
  • SMS reminders for missing receipts
  • Proof of delivery with photo and timestamp
  • Manager approval workflows and audit trail
Today's Transactions
Live
V1
Vendor One Card ending 8204
$284.00 SaaS
V2
Vendor Two Card ending 7612
$42.16 Travel
V3
Vendor Three Card ending 8204
$45.00 Software
V4
Vendor Four Card ending 5391
$96.00 Office
4 transactions today $467.16

Issue one card, or ten thousand.

Drop an Excel file and we issue the cards in one pass. Use the API to build it into your own product. Multi entity, multi wallet, multi user. Run cards across every company you own from one login.

  • Bulk issue via Excel or REST API
  • Multi entity wallets with role based access
  • Sandbox environment for developers
  • Reloadable, single use, or auto expiring cards
Bulk Issue
241 cards
XLS
payroll_january.xlsx 241 rows uploaded
Processing 238 / 241
Name
Limit
Status
James Patel
$2,400
✓ Issued
Maria Santos
$3,100
✓ Issued
Wei Zhang
$2,800
✓ Issued
238 issued, 3 pending Finish
Card types

One platform. Every kind of card.

Virtual or physical, single use or reloadable, employee or vendor. Issue the right card for the job.

Visa Virtual Card

16 digit Visa card for online purchases and subscriptions. Use anywhere Visa is accepted.

Expense Card

Reloadable team card with per project spend limits. Freeze or unfreeze in one tap.

Vendor Card

One card per vendor. Locked to that merchant only. Stops surprise renewals cold.

Employee Card

Personalized with cardholder name. Role based limits and manager approval workflows.

Payroll Card

Bulk issue for contractors and employees. Fund payroll in one upload, then send cards out the same day.

Gift Card

Virtual or physical, in bulk. Holiday rewards, customer rebates, or vendor incentives.

How it works

From signup to first swipe.

Five clean steps. No phone calls. No paperwork. No bank account required.

  • Fund your wallet

    Fund the wallet via ACH or wire. Wallet custody holds the balance until you spend it.

  • Choose a card type

    Virtual, employee, vendor, gift, or payroll. Single use, reloadable, or auto expiring.

  • Set the rules

    Amount, merchant, location, time. Mix any combination per card. We check every swipe against them.

  • Push it out

    Send card details by secure email, or push the card straight into Apple Wallet or Google Wallet.

  • Monitor every charge

    Live transaction feed. Approve, freeze, top up, or revoke any card from any device.

Use cases

What teams do with virtual cards.

From paying contractors to managing subscriptions, here is what people use Virtual Card Maker for.

Pay contractors

Issue a virtual Visa, lock it to the project budget, revoke it when the job is done. No bank account needed.

Manage subscriptions

One card per SaaS vendor, locked to that merchant only. Stop surprise renewals and trial to paid traps.

Business travel

Per diem cards with daily limits, geographic restrictions, and time windows that match the trip dates.

Holiday gifts

Bulk virtual or physical gift cards for team rewards, customer rebates, or vendor incentives. Sent in one batch.

Department spend

Every team gets a card with its own project level limit and category controls. No more shared cards.

Payroll

Bulk issue payroll cards via Excel upload. Funds land on cards the same day.

Issue your first Visa card
today.

Get started online. Verify your business. Fund the wallet. Issue the card.

Create your first card Sign in
Questions

Things people usually ask.

How much does it cost to issue a card?+
You only need to fund the wallet with the amount you want the cards to spend, and we issue cards on demand from that balance.
How fast can I issue my first card?+
Once your account is verified and your wallet is funded, you can create and send a card quickly. Bulk uploads of thousands of cards run in a single pass.
Do you offer physical cards too?+
Yes. Order a physical Visa card with the cardholder's printed name. Cards ship in 5 to 7 business days and inherit the same spend rules as your virtual cards.
What spend controls can I set?+
Per transaction, daily, monthly, and yearly amount limits. Restrict by merchant, merchant category, country, city, day of the week, or time of day. Mix any combination per card.
Can I add cards to Apple Wallet or Google Wallet?+
Yes. Every virtual card can be pushed directly into Apple Wallet or Google Wallet for contactless tap to pay in stores, alongside online use anywhere Visa is accepted.
Is there an API for developers?+
Yes. Our OpenAPI lets you create cards, set restrictions, fetch transactions, and manage wallets programmatically. A sandbox environment is available for testing before you go live.