Virtual cards: a seamless way to manage your business expenses
- Experience a different way to pay.
- Make purchases quickly and securely.
- Business payment cards that suit your day-to-day needs.

Manage your team expenses with virtual cards
Virtual payment cards give your employees more autonomy over their expenses while keeping you in full control of company spend. You can manage each card’s payment limit in real time. Qonto’s virtual cards can be used online and in stores with Apple Pay and Google Pay
Manage your expenses with ease
Simple
Secure
Effective
A card to boost your campaigns
- High payment limits to ensure your campaigns never get blocked
- Unlimited cards to manage your campaigns with full flexibility
- Designed to work exclusively with top ad platforms - delegate with complete control

Instant Cards for one-off expenses
Have an employee who needs to buy office supplies or take a business trip? Create a temporary Instant Card with a fixed budget. Your team enjoys more autonomy and you keep control over your expenses.
Physical or virtual cards to suit all needs
Plans
Payment limit
Exchange rate fees for payments outside the euro zone
Monthly payment limit
Daily limit
Specific days of use
Determine the days on which your employees can pay with the virtual cards
Limited usage period
Determine the usage time for your Instant card, which can range from one day to one year.
How to create a virtual card
Customize your card
Set the spend limits and days of use for each card.
Validate your card
Enter the validation code you’ll receive by text.
Your card is ready
You can make purchases online or in-store (using Apple Pay or Google Pay) right away.
Virtual card FAQs
What is a virtual payment card?
Which banks offer virtual cards?
How do you use a virtual card?
How do you issue a virtual card?
What are the advantages of using a virtual Mastercard?
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