Use case · SaaS subscriptions

Virtual cards for SaaS subscriptions

One card per vendor. Lock it to that vendor only. Cancel the card and the subscription stops billing. No support ticket needed.

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 with funds held at the partner bank, subject to applicable limits and requirements.

ISO 20000 IT Service Management Certified

ISO 27001 Information Security Management Certified

Card Name

The problem

SaaS sprawl is hard to control with one shared card.

If your team runs on SaaS, you know this pattern. Every problem traces back to one thing: every vendor charges the same card number.

Trial-to-paid traps. Someone signs up for a 14-day trial. A month later, a $1,200 annual charge lands.
Surprise renewals. Vendors raise prices mid-contract and re-bill at the new rate. You find out on the statement.
No clean cancellation. To stop a vendor, you either email customer success or change the card number and break the other 12 tools billed on it.

How we fix it

One card per vendor. Cancel the card to end the vendor.

Every SaaS subscription gets its own virtual Visa. The card is locked so only that vendor can charge it. The monthly cap matches the plan. When you leave the vendor, you cancel the card.

One card per vendor. Notion gets its own card. Figma gets its own card. AWS gets its own card. No more mystery charges.
Merchant lock. The card refuses any charge that is not from that vendor. Stolen card details are useless to anyone else.
Monthly cap matches the plan. If your Notion plan is $96 a month, the card is capped at $100 a month. A price hike gets declined.
Cancel the card to stop billing. Done with a vendor? Cancel the card. Their next billing attempt fails. No email thread.
Works alongside other use cases. Same wallet funds contractor payments, business travel, and more.

How it works

Four steps to control SaaS spend.

Pick the vendor. When you sign up for a new SaaS tool, make a new virtual card for that vendor.
Set the monthly cap. Match it to the plan price plus a small buffer for annual prepayment.
Lock the card to the vendor. The first successful charge locks the card to that vendor. Other vendors can not charge it.
Cancel any time. When you switch tools or end a contract, cancel the card. Billing stops at the network.

See it in action

Your SaaS spend in one dashboard.

Watch every renewal land, by vendor. Issue, freeze, or cancel any card from the same screen.

Virtual Card Maker dashboard showing active cards, total spending, pending and declined transactions, and recent activity for virtual cards for saas subscriptions

Live dashboard Active vendor cards, total monthly SaaS spend, declined upgrade attempts, every charge as it happens.

Create New Card form in Virtual Card Maker, with options to pick a Visa card type, set a spending limit, and choose between virtual or physical card

Issue a vendor card in minutes Pick the card type, set the monthly cap, lock it to one merchant, send to whoever signs up for the tool.

Controls

What you can set on every subscription card.

Control	What you set	Why it matters
Monthly cap	Plan price plus buffer	Surprise upgrades or price hikes are declined.
Merchant lock	Vendor only	Stolen card details are unusable elsewhere.
Hard expiry	Trial end or contract end	Auto-renewals fail without approval.
Vendor tag	Reporting label	Per-vendor spend rolls up in your dashboard.
Notifications	Decline alerts	You know the moment a vendor tries to charge over your cap.

In practice

Three ways finance teams control SaaS spend.

Notion Team plan

Card capped at $20 per seat per month with 15 seats. The annual plan upgrade attempt for $4,800 gets declined. You decide to renew on your own terms.

AWS sandbox

Card capped at $200 a month for engineering tests. A misconfigured EC2 cluster racks up $387? Declined at $200. You catch the bug before it costs $4,000.

Trial cards

Issue a trial card set to $1 with a 14-day expiry. The vendor verifies with $1. On day 15, their renewal attempt for $99 a month fails.

Need cards for other kinds of spend? See contractor payments, business travel, or department budgets.

FAQ

Common questions.

Can I trial a SaaS tool without auto-renewal?+

Yes. Make a card with a hard expiry on the trial end date. When the vendor tries to bill on the renewal date, the charge is declined.

Does the vendor know it is a virtual card?+

No. Virtual Visa cards look like any other Visa card to a merchant. The 16-digit number, expiry, and CVV work in standard checkout.

What if the vendor raises the price mid-contract?+

The charge over your card's monthly cap is declined. You get a notification in the dashboard and can approve the new price or cancel the vendor.

Can I see all my subscription cards in one view?+

Yes. The dashboard shows every active card with the vendor name, monthly spend, and renewal date.

Does this work for annual subscriptions?+

Yes. Set the annual amount as the card limit and a one-year expiry. The single annual charge clears. The next year's renewal needs explicit approval.