Best Virtual Card Payment Apps

215+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated May 2026

Out of 215+ virtual card payment apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Top Picks for Virtual Card Payment

Privacy.com: Virtual Cards#1

Privacy.com: Virtual Cards by Pay With Privacy, Inc.

Protect Your Payments
Editor's Choice
πŸ’° Finance
4.5😐(7.1K ratings)
FreeAds
Privacy.com: Virtual Cards screenshot 1
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Privacy.com: Virtual Cards screenshot 5
Privacy.com: Virtual Cards screenshot 6

Protect your online payments with a powerful application that shields your financial information, offers merchant-locked and one-time-use cards, allows spending control, and provides real-time transaction monitoring. Experience enhanced privacy and security while shopping online. Learn more at [privacy.com/security](https://privacy.com/security).

What We Love

  • πŸš€ Excellent protection
  • πŸ”’ Total control
  • πŸ‘ Incredible
  • πŸ”’ Essential app

Room to Improve

  • πŸ› Great service, HORRIBLE new app
  • πŸ› DISAPPOINTED THEY DONT BLOCK THEFT LIKE THEY CLAIM
  • πŸ› New UI and other irritations
Cardtonic: Gift & Virtual Card#2

Cardtonic: Gift & Virtual Card by Cardtonic Technologies LTD

Best in Cards, Bills & Gadgets
Strong Contender
πŸ”§ Utilities
4.4😊(7.4K ratings)
FreeAds
Cardtonic: Gift & Virtual Card screenshot 1
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Cardtonic is a convenient, user-friendly application for managing and organizing your card collection. Easily store, categorize, and access all your cards in one place with just a few taps. Download now to streamline your card management!

What We Love

  • πŸš€ Fast and reliable transactions
  • πŸ”’ Trustworthy and secure platform
  • πŸ‘ User-friendly interface
  • πŸ’― Excellent customer service

Room to Improve

  • πŸ•°οΈ Slow network and processing times
  • πŸ’° Inconsistent or low exchange rates
  • πŸ› Issues with card redemption and verification
MyCardWallet.#3

MyCardWallet. by Blackhawk Network

Mobilize your cards
Worth Considering
πŸ’° Finance
4.8😞(89K ratings)
Free
#50in Finance
MyCardWallet. screenshot 1
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Simplify card management with this app: view balances, securely store cards, and easily add them to your digital wallet for convenient spending in-store and online. Keep track of your balance and access card details instantly.

What We Love

  • πŸš€ Quick and easy to use
  • πŸ’‘ Practical for managing prepaid cards
  • πŸ‘ Worked perfectly for some users

Room to Improve

  • πŸ› Frequent errors and glitches
  • πŸ”’ Security and account issues
  • πŸ‘Ž Difficult to add cards, use app

More Virtual Card Payment apps to explore

4
Buvei – Virtual Card & Pay
Buvei – Virtual Card & Pay
Buvei – Virtual Card & Pay
Virtual Card & Payment
Free
πŸ’° Finance
(1)
5
Conferma
Conferma
Conferma
Create and send virtual cards
Free

Create and send virtual payment cards for business purchases with advanced controls and expense management features, all in one cashless solution. Ideal for businesses of all sizes. Streamline expense tracking, approval processes, and reconciliation with Conferma.

✈️ Travel
(4.5K)
6
Fyatu - Virtual Debit Cards
Fyatu - Virtual Debit Cards
Fyatu - Virtual Debit Cards
Instant Payment Cards Issuing
Free
πŸ’° Finance
(0)
7
J.P. Morgan Virtual Card
J.P. Morgan Virtual Card
J.P. Morgan Virtual Card
by Extend Enterprises, Inc.
Free

The J.P. Morgan Virtual Card app is a secure and user-friendly solution designed exclusively for J.P. Morgan Commercial Card customers. This application enables organizations to seamlessly create and manage virtual cards for B2B and travel & entertainment expenses, offering customizable controls, real-time spending insights, and the potential to maximize rebate opportunities.

πŸ’° Finance
(2)
8
e.PN - Virtual cards
e.PN - Virtual cards
e.PN - Virtual cards
pay for goods and services
Free

Effortlessly pay for goods and services using virtual cards from international banks with no restrictions. Easily issue multiple cards, transfer funds between accounts, and access banks in USA, Europe, Africa, and Latin America.

πŸ’° Finance
(67)
9
Apple Wallet
Apple Wallet
Apple Wallet
Apple Pay, Apple Card and more
Free

An app that consolidates important items like credit cards, IDs, tickets, and more on your iPhone, promoting easy and secure payments in stores or online using Apple Pay, offering features like Apple Pay Later and Apple Card for simplified transactions and management.

πŸ’° Finance
(6.7M)
10
Credit Card Machine - Accept
Credit Card Machine - Accept
Credit Card Machine - Accept
by Paynet Systems, Inc
Free

Streamline your business with the all-in-one credit card processing solution. Accept payments on the go, manage your finances, and engage customers with our intuitive platform. Enjoy flexible pricing, fast deposits, and exceptional support to take your business to new heights. Download now or call to get started.

πŸ’Ό Business
(21)
11
Payanywhere: Point of Sale POS
Payanywhere: Point of Sale POS
Payanywhere: Point of Sale POS
Credit Card Reader & Payment
Free

An innovative mobile application designed to streamline point of sale transactions with its user-friendly interface and secure credit card reader. Simplify your business operations and boost efficiency today.

πŸ’Ό Business
(652)
12
JIM: Tap to Pay & Payment Link
JIM: Tap to Pay & Payment Link
JIM: Tap to Pay & Payment Link
Sell & Get Paid Now
Free

This revolutionary app, designed for business owners, allows you to sell anywhere and get paid instantly with just your iPhone. Accept contactless payments, access your money instantly, and leverage AI tools for sales insights and recommendations. Start accepting instant payments and supercharge your business growth today!

πŸ’° Finance
(7.9K)
13
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
Savings, cash back, pay later
Free

An all-in-one app for sending money, managing your account, earning cash back, and growing your savings with high-yield options. Easily send money for free, get cash back on purchases, and manage your finances all in one place. Check it out now for a simple and secure way to stay on top of your financial transactions!

πŸ’° Finance
(190K)
14
SwipeSimple - Point of Sale
SwipeSimple - Point of Sale
SwipeSimple - Point of Sale
Accept Payments Anywhere
Free

Accept credit card payments anytime, anywhere with SwipeSimple. Simply sign up for an account, download the app, and connect to your reader to start processing transactions. Enjoy features like automatic tax calculation, tip prompts, real-time reporting, and inventory management all in one place. Visit the website to learn more and get started today.

πŸ’Ό Business
(5.6K)
15
Sparrow Card App
Sparrow Card App
Sparrow Card App
Building Credit Smarter
Free

This application helps individuals build credit smarter by offering a revolutionary credit card with features like virtual access, cashback rewards for on-time payments, real-time notifications, and tools to improve credit scores. It also provides seamless user experience for managing card features and reports account performance to major credit bureaus. Start your journey to financial freedom with this innovative credit card app.

πŸ’° Finance
(3.1K)
16
ChargeStripe: Stripe Payments
ChargeStripe: Stripe Payments
ChargeStripe: Stripe Payments
Mobile Credit Card Processing
Free

An innovative payment solution for businesses, enabling easy processing of transactions through Stripe. Simplify your point-of-sale system with ChargeStripe for efficient payments and seamless financial transactions. Sign up now for a smarter way to handle payments.

πŸ’° Finance
(2.1K)
17
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
Loans, Cards, Payment & FASTag
Free

Access a comprehensive financial management solution in the palm of your hand with this app. From loans to cards and payments, streamline your banking experience seamlessly.

πŸ’° Finance
(63K)
18
Visa Commercial Pay
Visa Commercial Pay
Visa Commercial Pay
Create and send virtual cards
Free

Create and send virtual cards for business purchases via Visa Commercial Pay. Ideal for businesses, this app allows secure creation, management, and tracking of virtual payment cards, ensuring efficient expense management and receipt capture on-the-go. Simplify your corporate spending with centralized visibility and custom data fields.

πŸ’° Finance
(159)
19
Cash App
Cash App
Cash App
P2P. BTC. Debit Card. Wallet.
Free

This application allows users to send, spend, save, and invest money easily. With features like instant money transfers, discounts on everyday spending, free tax filing, early paycheck access, and simple bitcoin investing, it provides a convenient and comprehensive financial solution for users. Consider downloading this app for seamless financial management.

πŸ’° Finance
(8.5M)
20
Square Point of Sale (POS)
Square Point of Sale (POS)
Square Point of Sale (POS)
Payments & Business Dashboard
Free

Square Point of Sale (POS) is a versatile mobile application that allows users to accept payments, track sales, manage inventory, and analyze business performance all in one place. With its user-friendly interface and powerful features, Square POS helps businesses streamline their operations and improve customer service. Try it out now to simplify your payment transactions and boost your business efficiency.

πŸ’Ό Business
(600K)