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Virtual cards
Virtual cards for business expenses and spend control
Create secure virtual cards instantly for employee and business expenses. Control spending, track transactions in real time, and earn 2% cashback with no foreign transaction fees.
Trusted by over 675,000 businesses, directly or through our platform customers
Pay anywhere Visa is accepted
0% foreign transaction fees on card spend
Add to Apple Pay and Google Pay
Issued by Community Federal Savings Bank, Member FDIC
What is an Airwallex Virtual Card?
An Airwallex Virtual Card is a digital Visa debit card that draws straight from a business’ Airwallex Borderless Cash balance. Each card has its own 16-digit number, expiration date, and CVV for online, in-app, and in-store payments.
How Airwallex Virtual Cards work
Account admins create unlimited virtual cards in the Airwallex WebApp or mobile app, set limits, and assign them to employees or vendors. Each card pays directly from the matching currency balance, with automatic conversion from a chosen backup currency, such as USD, when funds run low.
Who are Airwallex Virtual Cards for
Airwallex Virtual Cards are for US businesses that want full spending control, lower FX fees, and more value from every purchase. Set limits on every card, pay in multiple currencies, protect payments with unique card details, and earn 2% cashback.
Cashback
Earn 2% cashback on card spend
Earn on every issued card
Company cards and employee cards earn the same 2% cashback.
Cashback with no separate signup
Cashback applies automatically to eligible card purchases on every plan.
Track spending and cashback in real time
View all card transactions and earned cashback in the Airwallex web and mobile apps.
Multi-currency
Spend in the currency you earn
Spend from the existing balance
Pay directly from the matching currency balance, such as USD or GBP, without unnecessary FX conversions.
Transparent conversion fees at the interbank rate
For currencies the business does not hold, Airwallex converts at the interbank rate plus 0.5% for major currencies and 1% for others.
Card types
Create single-use or multi-use cards
Single-use virtual cards
Single-use cards are for one-time business purchases, free trials, or payments to new suppliers. The card closes after one transaction, helping reduce unwanted repeat charges.
Multi-use virtual cards
Multi-use cards are for recurring business expenses, software subscriptions, ad spend, and vendor payments. The card stays active until an admin freezes or cancels it.
Spend controls
Full controls on every card
Spend limits per card
Set daily and per-transaction spending limits on each card to keep purchases within budget and prevent overspending.
Card limits by merchant type
Restrict cards by merchant category to keep spending within approved business expenses, from software to travel.
Control by employees and company spend
Issue cards to employees, teams, or specific expenses to separate spending and make transactions easier to track.
Instantly freeze or cancel anytime
Freeze or cancel any virtual card at any time in the Airwallex web or mobile app when spending needs to stop.
Security
Keep every payment protected
A unique card number for every vendor
Each virtual card has its own number, which keeps account details private. If one card is at risk, cancel it without affecting any others.
Access card details securely
Cardholders view each virtual card’s details in the Airwallex app whenever needed, without carrying a physical card.
Backed by the Visa network
Community Federal Savings Bank, Member FDIC, issues Airwallex Virtual Cards on the Visa network under a license from Visa U.S.A. Inc.
Ways to pay
Pay online, in app, and in stores
Online and in-app checkout
Enter card details at any online or in-app checkout that accepts Visa.
Apple Pay and Google Pay
Add cards to Apple Pay or Google Pay and tap to pay in person.
Integrations
Sync card spend with accounting software
Connect Xero, QuickBooks, and NetSuite
Automatically sync card expenses to accounting software and spend less time on manual data entry and CSV exports.
Capture receipts after every purchase
Upload receipts in the Airwallex app and submit expenses for approval. The Airwallex app sends a reminder after each purchase.
How to get started
Get a virtual card in 3 steps
Apply online
Sign up in minutes with your EIN, formation documents, and owner ID.
Verify your business
Submit business details for review. Approval typically takes 1–3 business days.
Create a card
Create a virtual card in the web or mobile app and start paying right away.
Pricing
No monthly card fees on Airwallex virtual cards
Issue virtual cards at no extra cost on any plan. Airwallex Explore has no monthly fee, setup fee, or minimum balance requirements.
A virtual card is just the start
Connect virtual cards with an Airwallex account to manage business funds, global payments, and expenses in one place.
Business account
Expense management
Business account
Expense management
"With Airwallex, you just open up the app, sign in and you can just update any of the cards, or issue new cards there with a few clicks"
Adam Ingles
Finance Manager, Qwilr
"Having all our global SaaS subscriptions in one place has streamlined our finance processes and enabled better tracking and control of expenses. It’s even better knowing that Airwallex isn’t hitting us with any international transaction fees."
Warren Durling
Chief Operating Officer, Paloma
Related resources
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Airwallex Virtual Card guide
See how to issue, manage, and use Airwallex virtual Visa debit cards, from spend controls to multi-currency payments.
Frequently asked questions about virtual cards
Is a virtual card a debit or credit card?
A virtual card can be a debit card or a credit card, depending on the issuer. An Airwallex Virtual Card is a Visa debit card that uses the money in the business’ account, working as a virtual corporate card without a credit line.
Who can get an Airwallex Virtual Card?
Any US-registered business with an approved Airwallex account can get virtual cards. To apply, the business needs an EIN, formation documents, and each beneficial owner's ID.
Can you use a virtual card at an ATM?
Unlike physical cards, virtual cards don’t work at ATMs for cash withdrawals. They work for online, in-app, and in-store payments.
What’s the difference between a virtual card and a prepaid card?
The difference between a virtual debit card and a virtual prepaid debit card is how each card gets its money. A business loads a set amount onto a virtual prepaid debit card and adds more when it runs out. An Airwallex Virtual Card uses money directly from the business’ account.
Can you cancel a virtual card?
Businesses can cancel a virtual card at any time in the Airwallex web or mobile app. Canceling a virtual card stops future charges while ensuring merchant refunds still go straight to the Airwallex account balance.
Get started with Airwallex Business Accounts in minutes.
No monthly fee, no setup fee, and no minimum balance requirements.