Card type · Vendor card

Vendor virtual cards

Pay each vendor with its own virtual Visa card. Restrict the card to the intended vendor based on supported controls, cap the spend, and cancel the card when the relationship ends.

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A business owner paying a vendor invoice on a laptop while holding a gold Zil Money.Com Visa card

The problem

Paying every vendor on one card invites surprises.

When all your suppliers charge the same number, you lose the ability to control any one of them.

Surprise renewals. A vendor re-bills at a higher rate or renews a contract you meant to end. The charge clears before you notice.
No per-vendor budget. Every supplier can charge any amount. There is no ceiling tied to what you agreed to pay.
One leak hits everyone. If that card number is compromised, every vendor relationship is exposed at once.

How we fix it

Give each vendor its own card, restricted and capped.

A vendor card is a virtual Visa dedicated to one supplier. It carries the budget you agreed to and nothing more.

One card per vendor. Each supplier gets its own card and its own spend rollup. No more mixed statements.
Restrict it to the vendor. The card can be restricted to the intended vendor based on supported controls, so a leaked number is not useful elsewhere.
Cap the spend. Set the card limit to the contract amount. A charge over it can be blocked based on your controls.
Cancel to stop billing. End a vendor relationship by cancelling the card, so their next charge does not clear. Close out the contract with the vendor too.

How it works

How to pay a vendor with a virtual card.

Fund the wallet. Add funds by ACH or wire to back the cards you issue.
Create a card per vendor. Set the limit to the agreed amount and label the card with the vendor name.
Restrict and share. Apply supported merchant controls, then give the card details to the vendor or enter them at checkout.
Cancel when done. When the contract ends, cancel the card so future billing attempts are declined.

See it in action

Every vendor's spend, by card.

Watch each vendor's charges post against its own card. Issue, restrict, or cancel any card from the same screen.

Virtual Card Maker dashboard showing per-vendor cards, total spending, and recent transactions

Live dashboard Spend by vendor, declined over-limit attempts, pending charges, and per-merchant rollups.

Create New Card form in Virtual Card Maker showing a spending limit and merchant restriction for a vendor card

Issue a vendor card in minutes Set the cap to the contract amount, restrict it to the vendor, and share the details.

Controls

What you can set on a vendor card.

Control	What you set	Why it matters
Spending limit	The contract amount	Charges over the agreed amount can be blocked based on your controls.
Merchant restriction	The intended vendor	Restrict the card to the vendor based on supported controls, so a leaked number is not useful elsewhere.
Vendor label	A reporting tag	Per-vendor spend rolls up in your dashboard and exports.
Time restriction	The contract term	Set a window so the card is active only for the life of the agreement.
Cancel	Anytime	Cancel the card to stop future charges from clearing.

In practice

Three ways AP teams use vendor cards.

Recurring supplier

A card capped at the monthly invoice. If the supplier bills more than agreed, the extra is declined and flagged.

New vendor trial

A card with a small limit and a short active window. If the vendor works out, raise the limit. If not, cancel it.

Contract end

When you switch suppliers, cancel the old vendor's card. Their next billing attempt does not clear.

FAQ

Common questions.

What is a vendor virtual card?+

It is a virtual Visa card dedicated to one supplier. It carries the budget you agreed to pay that vendor and can be restricted so other merchants cannot charge it.

Can I restrict a card to one vendor?+

The card can be restricted to the intended vendor based on supported controls. That makes a leaked card number far less useful to anyone else.

How do I stop paying a vendor?+

Cancel the card from your dashboard so the vendor's next charge does not clear. Close out the contract with the vendor as well to fully end the agreement.

Can I pay international vendors?+

The card works wherever Visa is accepted. Set the spending limit and any merchant or time restrictions that fit the agreement.

How many vendor cards can I create?+

Create a separate card for each vendor you work with, so every supplier has its own budget and its own spend rollup.