# Virtual Cards

> Virtual cards and business expense management with AI-powered automation. (iPhone/iPad app by onlinecheckwriter.)

- Source: https://appshunter.io/ios/app/virtual-cards/id6748954269 (this page in markdown: same URL + `.md`)
- Developer: [onlinecheckwriter](https://appshunter.io/developer/1473071594)
- Category: Finance
- Price: Free
- Rating: 1.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 15.0 · 71 MB
- Languages: American English
- Released: 2025-08-22
- Data updated: 2026-08-30
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/virtual-cards/id6748954269/reviews.md

## What is Virtual Cards?

VIRTUAL CARDS & BUSINESS EXPENSE MANAGEMENT MADE SIMPLE
 
Transform your business spending with instant virtual cards and complete expense control. Issue cards to employees, contractors, and vendors with preset limits and real-time monitoring - physical cards also available.
 
INSTANT VIRTUAL CARD CREATION
• Launch cards in seconds with custom spending limits • Virtual cards for online purchases and subscriptions
• Physical cards available - printed and shipped within days
• Mobile payment platform integration for contactless payments
• Unique 16-digit numbers for enhanced security
 
BUILT FOR BUSINESS EXPENSE MANAGEMENT
• Employee expense cards with automatic spending controls
• Contractor and vendor-specific payment cards
• Subscription management with auto-expiring cards
• Eliminate manual expense reimbursements
• Perfect for startups, SMBs, and enterprise teams
 
GRANULAR SPENDING CONTROLS
• Set budgets before cards are used, not after
• Time-based restrictions (business hours only)
• Location controls (specific cities, states, countries)
• Merchant category restrictions (block gambling, limit restaurants)
• Per-transaction and daily spending limits
• Vendor-specific cards with preset amounts
 
AI-POWERED EXPENSE AUTOMATION
• Automated receipt capture via SMS and app notifications
• Intelligent transaction categorization and itemization
• Automated expense report generation
• Real-time spending analytics and budget insights
• Export data for QuickBooks, Xero, and other accounting software
 
ENTERPRISE-GRADE SECURITY
• Bank-level encryption and fraud protection
• Instant freeze/unfreeze capabilities
• Biometric authentication through digital wallets
• Tokenization for enhanced payment security
• Secure card deletion with immediate deactivation
 
COMPLETE FINANCIAL OVERSIGHT
• Real-time spending notifications and alerts
• Comprehensive analytics dashboard
• Multi-user roles with approval workflows
• Spending trends and budget variance analysis
• Custom reporting for finance teams
 
PERFECT FOR EVERY BUSINESS
•Startups: Control team spending as you scale
•Small Business: Eliminate expense reimbursement hassles
•Remote Teams: Issue cards with location-based controls
•Enterprises: Manage complex approval workflows
•Agencies: Client-specific project spending cards
 
WHY CHOOSE VIRTUAL CARDS?
• Instant issuance vs. weeks with traditional banks
• Granular controls vs. basic spending limits
• AI automation vs. manual expense tracking
• Flexible card types vs. one-size-fits-all solutions
• Real-time oversight vs. monthly statements
• No annual fees or hidden charges
 
USE CASES:
• Online advertising and marketing spend
• Software subscriptions and SaaS tools
• Travel and entertainment expenses
• Office supplies and equipment purchases
• Contractor and freelancer payments • Emergency business expenses
 
GETTING STARTED:
1.Download the app and create your business account
2.Fund your wallet via bank transfer or existing cards
3.Issue virtual cards with custom limits and restrictions
4.Monitor spending in real-time with detailed analytics
5.Automate expense reports with AI-powered receipt capture

## Key features

- Instant virtual card creation
- Granular spending controls
- AI-powered expense automation
- Automated receipt capture
- Real-time spending analytics
- Enterprise-grade security


## Frequently asked questions about Virtual Cards

### What is Virtual Cards?

Virtual Cards is a finance app designed to simplify business expense management. It allows users to create instant virtual cards with custom spending limits, track expenses in real-time, and automate reporting.

### How secure is Virtual Cards?

Virtual Cards offers enterprise-grade security with bank-level encryption, fraud protection, instant freeze/unfreeze capabilities, and tokenization for enhanced payment security. Biometric authentication is also supported through digital wallets.

### Can I issue cards to employees and vendors with Virtual Cards?

Yes, Virtual Cards allows you to issue cards to employees, contractors, and vendors with preset limits and real-time monitoring. You can also set time-based and merchant category restrictions.

### Does Virtual Cards offer physical cards?

Yes, physical cards are available through Virtual Cards. They are printed and shipped within days, offering a convenient option for in-person transactions.

### How does Virtual Cards automate expense management?

The app uses AI-powered features for automated receipt capture via SMS and notifications, intelligent transaction categorization, and automated expense report generation. It also provides real-time spending analytics.

### What accounting software can I export data to from Virtual Cards?

Virtual Cards allows you to export data for integration with popular accounting software such as QuickBooks and Xero, streamlining your financial reconciliation process.

### Is Virtual Cards free to use?

Yes, Virtual Cards is available for free. The app does not have annual fees or hidden charges, making it an accessible solution for businesses.

### What devices does Virtual Cards support?

Virtual Cards is supported on iPhone, iPad, and iPod devices, providing a mobile-first experience for managing business finances on the go.

## Version history (last 5 releases)

### 1.4.2 — 2026-08-20

• Enhanced account management for a smoother experience
• Refreshed branding across the app for a more consistent look and feel
• Enhanced fund management experience with improved transfers and withdrawals
• General usability, performance, and stability improvements

### 1.4.1 — 2026-07-30

• Enhanced Apple Wallet card provisioning for a smoother and more reliable experience
• Added real-time transaction notifications to help you stay informed instantly
• General performance improvements and stability enhancements

### 1.4.0 — 2026-07-04

• Added support for Apple Pay.
• Add eligible cards to Apple Wallet directly from the app.
• Eligible cards can now also be added from within Apple Wallet.
• Updated the Request a Card functionality for a smoother and more reliable user experience.
• Enhanced Payee Form validation with security improvements.
• Improved Payee Address validation and refined the UI for better usability and data accuracy.
• Bug fixes and performance improvements.

### 1.3.1 — 2026-06-13

Enhanced KYB verification process for improved compliance and a smoother user experience.
Updated the signup flow to make account registration faster and more user-friendly.
Fixed minor issues and improved overall app performance and reliability.

### 1.3.0 — 2026-06-05

• Enhanced the card management experience with an improved and refreshed interface.

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All apps by onlinecheckwriter: https://appshunter.io/developer/1473071594

## Related topics

[virtual visa card](https://appshunter.io/ios/topics/virtual-visa-card) · [virtual cards](https://appshunter.io/ios/topics/virtual-cards)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*