Card type · Gift card

Virtual Visa gift cards

Send virtual Visa gift cards for customer rewards, client thank-yous, rebates, or staff recognition. Issue one or a batch, deliver a secure link by email, and let recipients spend wherever Visa is accepted.

Create your first card Book A Demo

✓ Issue quickly ✓ Apple & Google Wallet ✓ Bulk via Excel or API

VirtualCardMaker.com, powered by Zil Money, is a financial technology company, not a bank. Banking and money movement services are provided through partner financial institutions and licensed service providers. FDIC insurance coverage applies only to eligible deposit products and accounts, and is subject to applicable terms, conditions, limitations, and requirements. Additional information regarding partner institutions, products, and services is available in the applicable terms and agreements.

ISO 20000 IT Service Management Certified

ISO 27001 Information Security Management Certified

AICPA SOC Service Organization Control Reports

A person giving a gold Zil Money.Com Visa gift card as a present

The problem

Physical gift cards are slow and easy to lose.

Buying, storing, and mailing plastic gift cards adds cost and delay to every reward you send.

Mailing takes time. A physical card has to be bought, addressed, and shipped before the recipient sees it.
Lost cards mean reissues. A misplaced plastic card is gone. Replacing it repeats the whole process.
Hard to send at scale. Rewarding a hundred customers means a hundred envelopes.

How we fix it

Send a virtual Visa gift card by email.

A virtual Visa gift card is delivered as a secure link by email. The recipient spends it wherever Visa is accepted.

Delivered by email. The recipient receives a secure link by email with instructions to access and use the card.
One or many. Send a single gift card, or issue a batch for a campaign or a whole team.
Spend wherever Visa works. Recipients use the card online or in store, anywhere Visa is accepted.
Set the amount. Issue each card for the reward amount you choose, one-time or reloadable.

How it works

How to send a virtual Visa gift card.

Fund the wallet. Add funds by ACH or wire to cover the gift cards you send.
Add the recipients. Enter each recipient as a payee with an email or phone number. Import a list from Excel for a batch.
Create the gift cards. Pick the gift card type, set the amount, and choose one-time or reloadable.
Send and track. Each recipient gets a secure link by email. Watch which cards are used from your dashboard.

See it in action

Every gift card you send, in one place.

See which cards are issued, used, or still open. Issue, top up, or cancel any card from the same screen.

Virtual Card Maker dashboard showing issued gift cards, amounts, and recent transactions

Live dashboard Cards issued, amounts spent, and the status of every gift card you have sent.

Create New Card form in Virtual Card Maker showing a gift card type, payee, and amount

Send a gift card in minutes Choose the gift card type, set the amount, pick the recipient, and send a secure link by email.

Controls

What you can set on a gift card.

Control	What you set	Why it matters
Amount	The reward value	Issue each card for the amount you choose.
One-time or reloadable	Card structure	Send a single reward, or reload the same card later.
Recipient	By email or phone	Each card is issued to a named payee and delivered by secure link.
Bulk via Excel	A recipient list	Import a list to send a batch of gift cards at once.
Cancel	Before it is used	Cancel an unused card from the dashboard if plans change.

In practice

Three ways businesses use virtual gift cards.

Customer rewards

Send a Visa gift card to customers for referrals or loyalty. They spend it wherever Visa is accepted, no store credit lock-in.

Rebates

Issue a rebate as a virtual gift card instead of a mailed check. The recipient gets a secure link by email.

Staff recognition

Reward staff with a gift card. Gift cards to employees are generally taxable wages, so coordinate W-2 reporting (see IRS Publication 15-B).

Sending to staff specifically? See virtual gift cards for employees and how to send bulk employee gift cards.

FAQ

Common questions.

What is a virtual Visa gift card?+

It is a Visa gift card delivered as a secure link by email instead of a plastic card. The recipient spends it wherever Visa is accepted.

How does the recipient get the gift card?+

The recipient receives a secure link by email with instructions to access and use the card. No bank account is required from them.

Where can the recipient use it?+

Wherever Visa is accepted, online or in store. The card can be added to a mobile wallet where available.

Can I send gift cards in bulk?+

Yes. Import a recipient list from Excel and issue a batch of gift cards at once, each delivered by its own secure link.

Are gift cards to employees taxable?+

Gift cards given to employees are generally treated as taxable wages and reported on the W-2. See IRS Publication 15-B and confirm the handling with your tax advisor.