Card type · Visa virtual card

Visa virtual card

Give each vendor, subscription, and employee their own Visa card instead of sharing yours. Put a limit on each one, keep it to a single merchant, and see exactly where every dollar goes, all from one dashboard.

A Visa virtual card is a 16-digit Visa card number you create online, with its own expiry and CVV, funded from your Zil Money wallet. Issue, limit, or cancel a card for any vendor, hire, or project from one screen.

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✓ Set per-card limits ✓ Lock the merchant ✓ 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.

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A person at a laptop holding a gold Zil Money.Com Visa virtual card while managing business card spend

The problem

Why run every business expense on one shared card?

Most teams put every vendor, subscription, and trip on a single company card. One number, no per-charge limits, and no clean way to see who spent what.

One card, the whole team. Everyone shares the same number, so a single leak or dispute can freeze spending for everyone.
No limit per vendor or hire. A tool you approved once can raise its price or auto-renew, and you find out on the statement.
Messy reconciliation. Chasing receipts and matching charges to people and projects eats hours every month.

How we fix it

Issue a separate Visa card for every vendor, hire, and expense.

Each virtual Visa card has its own 16-digit number, expiry, and CVV, funded from your Zil Money wallet. Create one for a vendor, a SaaS tool, an employee, or a project, and control each one on its own.

A real Visa number. It works in any standard checkout that accepts Visa. The vendor sees an ordinary Visa card.
Set a spending limit. Cap each card at the budget for that vendor, subscription, or trip. Charges over the cap can be blocked based on your controls.
Virtual or physical. Issue virtual cards online for online spend. Physical cards ship by USPS for in-person and travel use.
Cancel from the dashboard. Offboard a vendor or end a project? Cancel that card and future charges stop clearing. Your other cards keep working.

How it works

How to create a Visa virtual card.

If you are new to this, our guide on how to create a virtual card walks through the same steps in detail.

Fund your wallet. Add funds to your Zil Money wallet by ACH or wire. The wallet holds the balance until you spend it.
Open the create-card form. Pick the Visa card type and choose virtual or physical.
Set the limit and name. Enter a spending limit and the cardholder name printed on the card, up to 26 characters.
Start spending. Use the 16-digit number at checkout, or add the card to Apple Wallet or Google Wallet where available.

See it in action

Every Visa card you create, in one dashboard.

See active cards, total spend, and every charge as it posts. Issue, adjust, or cancel any card from the same screen.

Virtual Card Maker dashboard showing active Visa virtual cards, total spending, and recent transactions

Live dashboard Active cards, total spend, pending and declined charges, and every transaction as it happens.

Create New Card form in Virtual Card Maker with a Visa card type, spending limit, and virtual or physical option

Create a card in minutes Choose Visa, set the limit, pick virtual or physical, and name the card.

Controls

What you can set on a Visa virtual card.

Control	What you set	Why it matters
Spending limit	A dollar cap	Charges over the cap can be blocked based on your controls.
Virtual or physical	Card format	Spend online right away, or ship a physical card for in-person use.
Merchant restriction	Intended merchant	Restrict the card to where you plan to use it, based on supported controls.
Time restriction	Active window	Set a start and end date so the card is only live when you need it.
Cardholder name	Up to 26 characters	The name printed on the card face.

In practice

Three ways businesses use a Visa virtual card.

Vendor payments

Issue one card per vendor with a set limit. If a number leaks or a vendor overcharges, only that card is affected and the rest keep working.

SaaS subscriptions

Give each software subscription its own card capped at the plan price. A surprise upgrade or auto-renewal gets blocked.

Employee & travel spend

Hand an employee or traveler a card with a limit and an end date, then cancel it when the project or trip wraps.

See how teams use cards for SaaS subscriptions, vendor payments, and expenses.

FAQ

Common questions.

What is a Visa virtual card?+

It is a 16-digit Visa card you create online instead of carrying a plastic one. It has its own number, expiry, and CVV, and is funded from your Zil Money wallet.

Is the Visa virtual card free to create?+

There is no monthly subscription to create and use virtual cards, and you can issue as many as you need. Some no-fee benefits require keeping a minimum average wallet balance, currently $10,000; if your balance falls below that, certain fees may apply, as described in the Zil Money Terms. Physical cards ship by USPS for a standard shipping fee.

How fast can I create and start using the card?+

You create the card online from your dashboard, and it is ready to use at standard online checkout right after you create it, within the spending limit and controls you set. You can also add it to Apple Wallet or Google Wallet where available.

Where can I use a Visa virtual card?+

Wherever Visa is accepted. The card works in standard online checkout, and you can add it to Apple Wallet or Google Wallet where available.

Do I need to carry a plastic card to use it?+

No. A virtual Visa card lives in your dashboard and your mobile wallet. It is funded from your Zil Money wallet, and you spend from it up to the limit you set.

Do I need a credit check to get a card?+

No. Each card is funded from your own Zil Money wallet balance, so there is no borrowing and no hard credit check to create a card. You add funds by ACH or wire, then spend up to your balance and the limits you set.

Is my money safe, and is it FDIC insured?+

Zil Money is a financial technology company, not a bank. Banking services are provided by our partner bank, Member FDIC, and FDIC insurance applies only to eligible products with funds held at the partner bank, subject to applicable limits and requirements. You can set a spending limit on every card and cancel any card from your dashboard, and Zil Money uses encryption and multi-factor authentication to help protect your account.

Can I get a physical version of the card?+

Yes. Choose the physical option when you create the card and it ships by USPS. A standard shipping fee applies.

Can I cancel a card I no longer need?+

Yes. Cancel the card from your dashboard and future charges stop clearing. Your other cards keep working as normal.