Smart Virtual Cards for Modern Businesses

Eliminate the hassle of physical cards and gain unparalleled control over online spend. Instantly issue virtual cards with dynamic spending limits, custom usage dates, and flexible single or multi-use options. Earn cashback on all transactions and empower your team and vendors with secure, budget-conscious virtual cards that put you in the driver’s seat.

Virtual Card Control, Your Way

Instantly issue virtual corporate cards through PayEm tailored to your rules. Set budgets, usage dates, and card types according to your needs. Provide virtual cards to employees and vendors confidently, ensuring budget adherence and real-time tracking.

Total Visibility & Flexibility

Create virtual cards in seconds for secure online payments, giving you complete control over budgets and expenses.

Customizable & Convenient

Tailor virtual cards to your needs, eliminating payment struggles and ensuring budget control and tracking.

Enhanced Security

Virtual cards with unique numbers for each transaction and instant card-locking capabilities provide maximum security.

Effortless Expense Management

Snap and upload receipts, set spending rules, and manage budgets in real-time for seamless tracking.

Tailored Budget Management

Allocate virtual corporate cards to specific budgets or purchase orders, providing fine-tuned financial control. This prevents overspending, streamlines resource allocation, and boosts financial planning accuracy. Align your spending precisely, whether for projects, departments, or initiatives.

Built-in Spend Controls

Implement airtight controls on virtual spending, vendors, or timing. Dictate spending parameters that align with your business strategies and policies. Manage vendor relationships effortlessly and set limits that ensure adherence to budgets. With granular controls, maintain fiscal discipline without complications.

Seamless Integration with many HR Systems

Bolster security and efficiency through seamless HR system integration. When employees leave, rest assured that their virtual cards are instantly canceled, minimizing risks. This integration ensures a smooth transition, allowing you to manage cards effortlessly, strengthen compliance, and safeguard resources.

Fraud and Error Reductions

Elevate your financial security with advanced anti-fraud mechanisms for virtual payments. Our system's vigilant monitoring and controls provide a robust defense against unauthorized spending and errors. Real-time alerts enable swift action against suspicious activities, preserving your financial integrity.

Effortless Expense Tracking

Free yourself from manual receipt tracking with effortless digital expense management. Capture receipts seamlessly through snapshots or uploads, eliminating the hassle of chasing paper records. This saves time, reduces administrative burden, and enhances accuracy in expense recording.

Real-Time Insights & Reporting

Elevate decision-making with immediate insights through real-time reporting. Stay informed about virtual card usage, spending trends, and financial patterns as they unfold. This empowers you to make timely adjustments, capitalize on opportunities, and maintain a proactive financial stance.

Great system that combines credit cards, account payables, purchase orders and expense reimbursement. PayEm combines all expense procedures in one system, it's straightforward, intuitive, quick, saves time, and syncs easily to the ERP systems. It is very recommended.

Yana Fridman
VP of Finance, Vi Labs

Corporate Cards FAQ

Find quick, clear information to help you manage your corporate cards effectively.

What is the difference between a virtual corporate card and business card?

The primary difference between virtual corporate cards and traditional business cards lies in their form and functionality. While traditional business cards are physical plastic cards issued by banks with fixed credit limits and standardized terms, virtual corporate cards exist only digitally and offer significantly more flexibility and control. Virtual corporate cards through PayEm can be created instantly with customized spending limits, usage periods (from single transactions to ongoing use), and merchant category restrictions—all configurable in real-time. Unlike traditional business cards that typically require credit checks and lengthy approval processes, virtual cards can be issued immediately to employees or vendors regardless of credit history. Furthermore, virtual corporate cards provide superior security through unique numbers for each transaction, instant locking capabilities, and automatic receipt capture. Most importantly, they offer unparalleled visibility into spending with real-time reporting and analytics, allowing for proactive budget management rather than the reactive approach necessitated by traditional business cards' monthly statement cycles.

What are virtual corporate cards?

Virtual cards work as digital payment solutions that function like traditional credit or debit cards but exist only in digital form, without physical plastic. Through PayEm's platform, you can instantly generate these cards with unique numbers, expiration dates, and security codes. Each virtual card connects to your company's funding source while allowing you to set specific spending parameters, including budgets, usage dates, and merchant categories. When making online purchases, employees or vendors simply enter the virtual card details as they would with a physical card. Transactions are processed in real-time with automatic receipt capture and expense categorization. Unlike physical cards, virtual cards offer enhanced security through single-use options and the ability to lock cards instantly if suspicious activity occurs, making them ideal for modern business spending needs.

How do virtual cards work?

Upgrade your financial tools today.

Upgrade your financial tools today. With us, you can discover the future of virtual corporate cards and experience a new level of efficiency and control for your business.