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What Are Virtual Cards?

What is a virtual card? Learn more about virtual cards and their advantages over physical cards.

What is a virtual card?

A virtual card is basically what you know to be a debit or credit card today, minus the being an actual physical card part. In essence, all the things that make a credit or debit cards usable – such as the Card Number, CVV, Expiration Date and Card Holders Name – still exist but they don’t need an actual physical card to be printed on. Instead, they can simply live on your phone, in apps like the Google Wallet or Apple Pay.

Virtual cards have quite a few advantages over physical cards, especially when they’re being issued directly out of a truly comprehensive, easy-to-use, proactive business spend management system like expensemanager. Live transaction feeds, automated receipt matching, truly proactive budget control, effective dashboards and reports, deep integrations with your ERPs – our Virtual Cards will be backed by over 20 years worth of pioneering, product development and engineering experience in the comprehensive Business Spend Management Platform space.

One of the many ways our system will improve upon any virtual card offering is off the back of our robust, dynamic and highly configurable approval flows that have been used to process over 50 million documents. They will ensure that the right people get cards as quickly as needed, enabled with the right currencies, restricted to the right limits, in line and in sync with their multi-dimensional budgets, approved by the right people, all without compromising on any of the benefits offered by virtual cards.

Our virtual cards aren’t too far away… and they’re going to really shake up what’s available in the market… so…

Hang tight and watch this space!


ProSpend (formerly expensemanager) is Australia’s leading Spend Management Platform that offers Smart Automation for finance teams. Through one cloud-based platform, you can easily manage expenses, supplier invoices, purchase orders and travel spend. All with budget visibility. Expense Manager is 100% Australian owned & developed and is used every day by leading brands, including KFC, WWF, Best & Less, Guide Dogs, Peoplebank and many more. For those looking to better understand the benefits of automation, book your FREE savings consultation.

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