From signup to first swipe.
Five steps. No phone calls, no paperwork. Here is exactly what happens between opening an account and handing someone a card.
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Fund your wallet
Add funds to a wallet from a connected bank account, from an outside bank, or from a blockchain wallet — by ACH or by wire. The wallet holds the balance until a card spends it, and you can run several side by side, one per entity, department, or client.
- 01.1
Fund from your bank, an outside bank, or a blockchain wallet
- 01.2
Choose ACH or wire, pick the wallet, and note what the money is for
- 01.3
Move money between wallets with a fund transfer, any time
Choose a card type
Visa Card for vendors and project spend, Visa Employee Card for a named employee, Visa Gift Card for rewards and rebates. Each one issues limited or unlimited, virtual or physical, and carries the same restrictions.
- 02.1
A Visa Card issues under your billing address; gift and employee cards under the payee's or the employee's
- 02.2
Pick the funding source that is charged whenever the card is used
- 02.3
Name the cardholder in up to 26 characters, and add an internal label so it is findable later
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Virtual Visa card
A 16-digit number issued in seconds, locked to one vendor and one monthly ceiling. Spend it anywhere Visa is accepted.
- Reloadable
- Merchant-locked
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Expense card
A reloadable team card with a limit per project. Freeze it, raise the cap, or thaw it again in one tap.
- Per-project limits
- Freeze and unfreeze
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Vendor card
One card per supplier, restricted to that merchant. A renewal that jumps its price declines instead of clearing.
- One vendor only
- Stops surprise renewals
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Employee card
The cardholder’s own name on the card, their own limit, and a reviewer on anything above it.
- Named holder
- Approval workflow
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Payroll card
Pay contractors and staff without bank details. Fund the run in one upload and the cards go out the same day.
- Bulk issue
- Same-day funding
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Gift card
Issued in bulk from a spreadsheet, spent once, and expired on the date you set. Virtual or printed.
- One-time or reloadable
- Virtual or physical
Set the rules
A spending limit and a limit interval — daily, monthly, or all time — are required. The three restriction categories are optional, and each one starts at no restriction: the card works anywhere, at any merchant, at any hour.
- 03.1
Geography: allow only the countries you name, and up to 20 named cities
- 03.2
Merchants: up to 20 merchant categories, or specific merchant names and merchant IDs
- 03.3
Time: up to three windows in the day, plus a date the card stops working
Push it out
Virtual cards are issued the moment you create them, and the cardholder is emailed instructions for accessing the card. Physical cards take a shipping address and go out by USPS.
- 04.1
Virtual cards issue instantly, with nothing to ship
- 04.2
Physical cards take a shipping address; billing can reuse it
- 04.3
Standard is 9–13 business days at $12 in the United States; express is 1–3
Monitor every charge
The dashboard opens on active cards, total spending, and what is pending or declined, with every charge in one filterable table and the categories broken out by wallet.
- 05.1
Every charge arrives with its merchant, category, wallet, cardholder, and last four
- 05.2
Assign a reviewer or set a review rule, and mark transactions reviewed
- 05.3
Filter any column, then export and share the statement
Dashboard
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My Cards
View All CardsTransaction Categories
All Time- Software$62,199.60(34.00%)
- Advertising$47,564.40(26.00%)
- Travel$32,929.20(18.00%)
- Supplies$23,782.20(13.00%)
Recent Transactions
| Date | Name | Amount | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| All Time | All | Search… | |||||||||
| 05/14/2026 12:16 PM | Completed | Amazon Web Services | Software | $1,284.40 | Add Memo | Engineering | Priya Nair | 4471 | Global Solns | ||
| 05/12/2026 09:40 AM | Pending | Meta Ads | Advertising | $1,850.00 | Q2 campaign | Growth | Marcus Webb | 9902 | Global Solns | ||
| 05/11/2026 07:16 AM | Completed | Delta Air Lines | Travel | $612.30 | Add Memo | Travel | Dana Cole | 3318 | Global Solns | ||
| 05/11/2026 07:11 AM | Declined | Unknown merchant | Uncategorised | $429.00 | Outside merchants | Vendors | Sam Ortiz | 7745 | Global Solns | ||
| 05/10/2026 07:05 AM | Completed | USPS | Shipping | $144.00 | Add Memo | Operations | Lena Fischer | 2210 | Global Solns |
Before you start.
Bank accounts, virtual against physical, issuing in bulk, and what happens to a card you cancel.
You connect a bank account to fund the wallet by ACH or wire. Once the wallet holds a balance, cards draw from it.
Yes — bulk issuance is designed for teams that need many cards, such as payroll or contractor payouts, and payees can be imported from Excel.
Still deciding? Ask us the awkward one — pricing, limits, or whether it fits how you already work.
Talk to the teamFive steps, and the first card is out the door.
Open the account, fund the wallet, and issue against it. Nothing above needs a call with anyone.
No charge to open an account, and no minimum. You fund the wallet with what you intend to spend, and cards draw from that.
Fund your wallet
Choose a card type
Set the rules
Push it out
Monitor every charge
VirtualCardMaker.com, powered by Zil Money, is a financial technology company, not a bank. Banking and money movement services are provided through partner financial institutions and licensed service providers. FDIC insurance coverage applies only to eligible deposit products and accounts, and is subject to applicable terms, conditions, limitations, and requirements. Additional information regarding partner institutions, products, and services is available in the applicable terms and agreements.