# Virtual Card Maker

> Virtual Card Maker is a service of Zil Money that lets U.S. businesses issue virtual and physical Visa cards quickly for payroll, vendors, subscriptions, and team expenses. Set spend limits, lock merchants to specific categories, and track every transaction from a single dashboard.

Virtual Card Maker is a fintech platform, not a bank. Card issuance and banking-style services are provided by Zil Money and its licensed banking partners. Funds are held in a custody account until spent on a card transaction.

## Product

- [Features](https://virtualcardmaker.com/index.html#features): Spend controls, merchant locks, live transaction tracking, and card issuance.
- [Card Types](https://virtualcardmaker.com/index.html#cards): Virtual and physical Visa cards configurable for one-time or recurring use.
- [How it works](https://virtualcardmaker.com/index.html#how): Sign up, fund your wallet, issue cards to employees or vendors, monitor every transaction.
- [Use cases](https://virtualcardmaker.com/index.html#use-cases): Payroll cards, vendor payments, subscription management, team and travel expense cards.
- [FAQ](https://virtualcardmaker.com/index.html#faq): Common questions about issuance, funding, fees, and security.

## Use cases

- [Virtual cards for contractors](https://virtualcardmaker.com/virtual-cards-for-contractors.html): Pay 1099 contractors and freelancers with a virtual Visa scoped to the project budget. No bank account needed from the contractor.
- [Virtual cards for SaaS subscriptions](https://virtualcardmaker.com/virtual-cards-for-saas-subscriptions.html): One Visa per vendor, locked to that merchant. Cancel the card to stop billing.
- [Virtual cards for business travel](https://virtualcardmaker.com/virtual-cards-for-business-travel.html): Per-diem virtual Visas with daily caps and trip-window expiry. Replaces expense reports for card-eligible spend.
- [Virtual gift cards for employees](https://virtualcardmaker.com/virtual-gift-cards-for-employees.html): Bulk virtual Visa gift cards delivered via branded email; redeemable anywhere Visa is accepted.
- [Virtual cards for departments](https://virtualcardmaker.com/virtual-cards-for-departments.html): One card per team or project with monthly budgets, category controls, and reporting by tag.
- [Virtual payroll cards](https://virtualcardmaker.com/virtual-payroll-cards.html): Bulk payroll cards loaded from the Zil Money wallet for employees and 1099 contractors. Reg E voluntary election applies.

## Company

- [About](https://virtualcardmaker.com/about.html): Virtual Card Maker is operated as a service of Zil Money.
- [Contact](https://virtualcardmaker.com/contact.html): Support, sales, press, and general inquiries. Email support@zilmoney.com.

## Legal

- [Terms & Conditions](https://virtualcardmaker.com/terms-and-conditions.html): Legal terms governing access to and use of the Service.
- [Privacy Policy](https://virtualcardmaker.com/privacy-policy.html): How personal and nonpublic personal information is collected, used, shared, and safeguarded under GLBA / Regulation P.
- [Cookie Policy](https://virtualcardmaker.com/cookie-policy.html): What cookies and similar technologies are used and how to control them.
- [Disclaimer](https://virtualcardmaker.com/disclaimer.html): Website, external links, affiliates, and testimonials disclaimers.

## Application

- [Sign in](https://live.virtualcardmaker.com/auth/signin): Existing customers log in to the live app.
- [Sign up](https://live.virtualcardmaker.com/auth/signup): Create a new business account.

## Operator

- Operating entity: Zil Money Corporation
- Mailing address: PO Box 6543, Tyler, TX 75711, United States
- Support email: support@zilmoney.com
- Phone: +1 (408) 775-7720