Torn between physical cards and virtual cards?

Do the habits and needs of your employees vary depending on their role at the company? We understand.

That’s why we give you and your teams the option of having physical cards and/or virtual cards for all your professional expenses.

If you make most of your payments online - for hotels, flights, social ads and so on - your payment method can be 100% digital too. It doesn't matter whether you've ordered a physical or virtual card; you can use it the moment you create it. You don't even have to wait until your physical card has been delivered - it's ready to pay with straight away. In fact, you can even pay digitally in stores, thanks to Apple Pay and Google Pay. Just in case you ever venture out to make a purchase.

Are you always on the move? Take your physical card with you wherever you go in the world so you can pay your expenses directly and withdraw cash.

Whether you use contactless payment or enter your PIN, transactions are processed in real-time and you're notified instantly. Simply access your mobile app to complete the transaction with the receipt and the VAT rate/amount applied.

With Qonto's physical cards, you automatically benefit from insurance that covers repatriation costs, delayed flights or trains, rental car damage, and stolen, damaged, lost or delayed luggage. These guarantees are backed by a support helpline to call in case of an incident.

All of which makes traveling that much less stressful. 

You might have multiple needs and a different card for each one. To manage this juggling act, you can use Qonto cards to switch between cards according to what you're paying for. Assigning certain cards to certain expenses provides you with more clarity over your overall business spend.

Why stuff another physical card into your wallet when you only make online payments? Your virtual cards are in the holder’s name and linked to the company account, offering you greater flexibility.

Virtual cards offer you more flexibility than physical cards. They're easy to manage and you can order as many as you like for free from the Smart payment plan upwards. You might find yourself one day unable to buy something with your physical card because you've reached its monthly spending limit. 

Not a problem: simply open your app and order a virtual card from the Cards section on your account. 

Physical cards and virtual cards offer similar advantages and guarantees.

You can modify instantly all the settings on all your Qonto cards, whether they're physical or virtual, in real time.

Administrators can set payment or withdrawal caps on all their employees’ cards according to their needs. They can change these permissions at any time in the Cards section of their Qonto account.