Contractors and freelancers

Contractors and freelancers posts.

Guides on this topic, newest first.

5 posts

Does a virtual card change a contractor's 1099 status?

A lot of business owners worry about this: will handing a 1099 contractor a company virtual card, even one capped to a single project, make the IRS treat that person as an employee? It's a fair question. The short answer is no. A payment tool is not what the IRS test turns on. This article explains how the IRS classification test works. It is general information, not tax or legal advice, and it is not a substitute for a CPA or employment attorney reviewing your specific contractor relationship.

July 15, 2026

Contractors and freelancers10 min

How to give your agency clients their own spending cards.

Running ad spend for six clients on one company card ends in reconciliation nightmares and charge disputes. Issue each client a dedicated virtual card with a budget cap and their own spend record. When the campaign ends, close the card — the report is already built.

June 26, 2026

Contractors and freelancers9 min

How to pay freelancers without sharing your business card.

Every time you type your business card number into a freelancer payment platform you are betting that number stays safe. Issue a separate virtual Visa for each freelancer instead: set the cap to exactly what you owe, and the card cannot be overcharged. When the project is done, close it.

June 26, 2026

Contractors and freelancers7 min

How to track billable client expenses with virtual cards.

If you bill clients for costs you cover on their behalf, the hard part is proving and recovering them. Put each client's rebillable spend on its own capped virtual Visa, cap it to the approved budget, attach a receipt to every charge, and invoice from a clean per-client export.

May 29, 2026

Contractors and freelancers8 min

How to pay a contractor without sharing your credit card.

Pay each contractor with a virtual Visa card. Load the exact amount you owe, send the card details, and close the card when the work is done. Setting up the first card is straightforward, and every card after that is much faster. Here's the full step-by-step.

May 23, 2026

Other things teams ask about.

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Reading about it is the slow way to issue a card.

Every contractors and freelancers post here ends at the same place: a card with its own limit, its own name, and its own line in the ledger.

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