Virtual cards
Generate unique virtual cards for safer spending online. Empower employees to make smart decisions in real time, and keep complete control over all purchases.
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SPENDESK IS LOVED BY 5,000+ FINANCE TEAMS
Reduce risk
Shield your company from internal and external fraud and abuse with single-use cards.
Use easily
All teams and employees can use it in seconds, with no special training required.
Boost productivity
Employees and managers can focus on core tasks, without wasting time on admin tasks.
Monitor spend
Online and offline transactions are displayed in real time in the spending dashboard.
Create unique virtual cards
Every card has its own card number and expiry date, different from your standard physical cards. Plus, payments are made in a team member’s name, so you always know who made the purchase.
Once the payment is made, the card becomes useless. So you have virtually no risk of fraud. Instead, you have a clear payment trail and always know where ever cent of company money goes.
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Request, approve, pay, & bookkeep
Every transaction begins with a request from a team member. Their manager approves, and the requester can pay instantly. They upload their receipt, and the pre-accounting work is already done!
Every transaction has a date, amount, approver, rationale, and receipt. All you have to do is send them to your accounting tools.
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Manage subscriptions the smart way
Use recurring virtual cards for smart subscription management. Each card has unique details and is assigned to a spender, so you always know who in which team manages each subscription.
Cards can be paused or updated at any time, unlike your main company credit card. They can even be reassigned when an employee leaves or the subscription changes teams.
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Get real-time spend visibility
Waiting for the card statement each month means you never really know what’s been spent. And more importantly: by whom. Check virtual card payments any time in Spendesk, at the company level, by team, or by individual.
You have up-to-date spend data at all times, and can adjust rules and budgets whenever you need.
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Keep project payments secure
Simplify payments for projects, travel, and campaigns with flexible multi-use virtual cards. Each card is budget-controlled and secure, helping teams manage spending without exposing your main company card.
Set spending limits and expiration dates to stay on budget, and reduce admin by using a single card for multiple approved purchases—ideal for short-term initiatives or recurring team needs.
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Martin Pannier Product @Iziwork
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Gabrièle de Lamaze Head of Customer Success @Plezi
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Aaron Townsend Financial Controller @ Habito
Virtual debit cards make everyone’s life easier
Employees
Managers
Finance & Accounting
Spendesk | Virtual debits cards for safe online spending — FAQ
Spendesk virtual cards are designed for secure online purchases and subscription management. Spendesk supports single-use cards that expire after one transaction and recurring cards tied to specific vendors for subscriptions. Managers can pause or reassign cards, enforce approval workflows, and see each transaction in Spendesk's audit trail, reducing fraud and simplifying expense reconciliation.
Spendesk virtual cards are fully digital payment cards that provide unique card numbers, expiry dates, and CVV codes for online use. Spendesk issues Visa virtual cards that do not expose a company’s physical card details, integrate with Spendesk approval controls, and automatically link transactions to users and expenses for clearer tracking and reduced card-detail reuse.
Spendesk virtual cards reduce fraud by issuing unique card numbers per transaction and enforcing approval and spend-limit controls. Spendesk requires checkout verification or app authentication, logs every approval in the Spendesk audit trail, and supports two-level approvals and per-card spend limits to prevent unauthorized charges and improve reconciliation accuracy.
Spendesk virtual cards draw from funds loaded onto the Spendesk platform rather than giving employees access to the company’s main bank account. Spendesk maintains separated wallets, supports pre-funding and real-time balances, and provides consolidation and reconciliation features so finance teams control cash flow without exposing primary account credentials.
Spendesk virtual cards do not transmit sensitive personal data to merchants beyond the purchaser's name when required. Spendesk issues cards in the user's name, uses the registered company billing address when needed, and stores payment and cardholder metadata securely in the Spendesk platform under PCI-compliant procedures for reconciliation and audit.
Spendesk paid plans include unlimited virtual cards, allowing one-time and recurring cards per vendor or transaction. Spendesk enables instant card creation, per-card spend limits, and seamless integration with expense reporting so finance teams can issue dedicated cards for projects, vendors, or employees without hitting quotas.
Spendesk creates virtual cards instantly from the Spendesk app or web dashboard with a few clicks. Users choose single-use or recurring type, set merchant restrictions and spend limits, and submit for any required approval; approved cards become immediately available for online payment and automatically link to Spendesk expense workflows.
Spendesk handles refunds and recurring payments by assigning cards to specific vendors and maintaining transaction history. For recurring subscriptions, Spendesk recurring cards remain active until paused or cancelled in the Spendesk dashboard; refunds post back to the original virtual card and reconcile automatically in Spendesk's transaction exports for accounting.
Procure-to-pay 
Payment cards 
Virtual cards 
Expense management 
Accounts Payable 
Approvals 
Accounting automation 
Budgets 
Reports