Virtual cards for your teams' online expenses

It’s a rather common scenario - and one that you know all too well: in-store payments are becoming an increasingly rare occurrence for your business. Yet you’re hesitating to switch to a 100% online payment method for fear of limiting the situations in which you might be able to pay for what you need.

To make the decision easier, we’d like to cover all the different ways you can use virtual cards to get what you need for your business. So you can “swipe” with peace of mind.

The answer is simple: all of them, if you make them online. Whether it’s a one-time or recurring online payment, you no longer need to carry a physical card to buy things.

The clock is ticking - you need to book your hotel and train for your business trip to Brussels ASAP. Gone are the days when you had to go looking for the one and only physical card to book your trip. With Qonto, each employee can be autonomous and buy their own tickets with their own virtual card.

That said, if you just want to simplify the management of your expenses onsite, you can still use a physical card.

Do your marketing teams swear only by paid search marketing? Google ads, Facebook ads, Bing ads, etc. Whatever their choice, your teams’ payment methods - like their day-to-day work - can be 100% virtual, should you choose.

Do your teams use several software programs that are on a monthly subscription basis? No need for a physical card to settle the bill. Simply enter the information from your virtual card on the payment platform as you would with a physical card for online purchases.

Coffees, pens, sticky notes, lunch deliveries...our virtual cards allow you to order all your office supplies and manage all your overhead costs online.

Qonto cards can be adapted to suit everyone's needs. As is the case for digital concierge service Clac des Doigts’ teams. They chose to adapt their employees' payment methods according to their individual profiles and needs - now that’s smart.

Every business owner’s nightmare is being a victim of debit card fraud. Navigating the customer service line to freeze your account is already a hassle, but you’re always weary that they might figure out a way to empty your business account entirely. Have no fear - you can set payment limits for each of your employees' virtual cards based on their individual needs. In one fell swoop, you considerably reduce the risk of card piracy and keep control over everyone's expenses and budget.

Accessing your Qonto virtual cards’ information is also secure. Only the cardholder can access this information from their Qonto account and the relevant information will only be visible once the double authentication has been validated.

Simply put, virtual cards do in fact bring you much more flexibility. No need to wait for your card to arrive in the post for days on end. The main advantage of the virtual card is that it’s immediate.

When you order a new virtual card, you can pay for your purchases online in under a minute. As soon as it’s ordered, it’s activated. Need to change your card's payment limit? You can send a request to an account Admin -any changes to the card will apply in real time.

Did you also know that our cards are cumulative? This means if you’ve reached the maximum amount authorized by Qonto on one of your cards, you can order a second one in just a few clicks.

Do you want to differentiate some of your expenses and allocate specific budgets to your business travel, SaaS subscription or advertising purchases? You can dedicate one or more virtual cards to these different spend items. Define limits according to the defined budget. And once the limit is reached, any new payment will be declined.

Still not sure? Check out our plans and subscription offers - most come with free virtual cards.