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BILL Spend & Expense virtual cards

Instant virtual cards for your business

Create instant virtual cards to manage subscriptions, operating expenses, and online purchases. With a unique card for every vendor, your business is better protected from over-charges and fraud.

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What is a virtual card?

A virtual card is a unique 16-digit card number that’s digitally-generated and tied to your
account. You can use a virtual card for vendors and online payments. They keep your real card
number protected, and put you in control.

Virtual cards are free to create and easy to use

Set up in just a few clicks (literally)

Define spending limits and freeze cards

Pay with a unique card for every vendor

Coordinate your operating expenses

Never overpay a vendor again. Create a unique virtual card for each vendor and set hard spending limits. Card limits reset when you want them to so you don’t miss vendor payments—and you won’t get charged extra.

Smiling person using a laptop at a desk in an office setting, an app interface for budget is displayed with marketing and sales ops subscription costs.

Get visibility into every online purchase

The BILL Spend & Expense platform shows you every time an employee swipes their card—and this includes online spend. No more printing out digital receipts or filing an expense report for every recurring payment. With virtual cards, you get real-time visibility into every transaction.

Prevent fraud with virtual card controls

BILL Spend & Expense virtual cards help protect you from vendor overcharges and compromised accounts. The old way involved paying hundreds of vendors with a single corporate card, leaving your business constantly at risk. Now, you can use a unique card for every vendor with controls that you assign.

Person holding a tablet with Facebook Ads budget displayed on floating cards showing $10,000.

The BILL Spend & Expense Chrome extension

Physical cards, virtual cards, contactless payment options, and BILL’s Chrome extension make spending with BILL a breeze, no matter how you’re spending or where you are.

Person using a laptop and holding a smartphone, both displaying BILL Spend & Expense dashboards.

What our customers are saying

“With [BILL], we have the advantage of having all of the spend in one place. We can submit a reimbursement directly in [BILL]. We can actually see and monitor the spend of the company as a transaction flows through the credit card instantaneously.”
Marc Balcke
Corporate Controller
Noom
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Features of virtual cards in BILL Spend & Expense

Global-ready

Spend online and in-person at millions of merchants in 250+ countries and territories worldwide.

Recurring payment management

Manage subscriptions and never get overcharged.

Card-specific controls

Set hard limits so you never go over budget.

Real-time spend tracking

Gain instant visibility into all card charges.

Unique card numbers per vendor

Control how much is available for each card.

Custom spending limits

Determine your exposure with specific vendors.

Automatic and manual card freezing

Freeze or delete any virtual card at any time.

Lightning-fast transaction categorization

Put each purchase in the right place with a few taps.

Frequently asked questions

Virtual cards are more secure, prevent vendor fraud, limit your risk with subscriptions and recurring payments, and help control spending.

Virtual cards are more secure, prevent vendor fraud, limit your risk with subscriptions and recurring payments, and help control spending.

Businesses should use virtual cards whenever they shop online, make a one-time purchase, or pay for subscriptions and operating expenses.

Businesses should use virtual cards whenever they shop online, make a one-time purchase, or pay for subscriptions and operating expenses.

Virtual cards are designed for online payment, but are regularly used over the phone with vendors or in stores where card numbers can be manually entered.

Virtual cards are designed for online payment, but are regularly used over the phone with vendors or in stores where card numbers can be manually entered.

Virtual cards are safer than your plastic card, because they protect the original account numbers from use. Virtual cards also offer greater control over spending and a faster process for detecting and stopping fraud.

Virtual cards are safer than your plastic card, because they protect the original account numbers from use. Virtual cards also offer greater control over spending and a faster process for detecting and stopping fraud.

Businesses can set up a separate virtual card for each subscription or vendor, setting limits on how much can be charged and when the subscription should end. That means vendors can never overcharge you or renew your subscription unless you allow it.

Businesses can set up a separate virtual card for each subscription or vendor, setting limits on how much can be charged and when the subscription should end. That means vendors can never overcharge you or renew your subscription unless you allow it.