Virtual credit cards

Streamline virtual payments and simplify reconciliation.

Virtual credit cards are a highly secure digital payment method that streamlines the accounts payable process by replacing paper, checks and manual processes with single-use credit card numbers. Virtual card payments simplify reconciliation for you and your suppliers, reduce payment costs and create rebate revenue opportunity.

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What virtual payments can do for your business.

Save time and improve efficiency by replacing paper checks with virtual cards. Make the switch to improve oversight and control while enhancing working capital.

Improve your bottom line with Virtual Pay (PDF)

Optimize your payment process with virtual credit cards.

Create rebate revenue.

Switching from checks to virtual payments can enhance cash flow by creating additional revenue through program rebates.

Calculate your potential cost savings

Enhance working capital.

Precisely timed and data-rich virtual card payments improve working capital by reducing costs and extending days payable outstanding.

Simplify reconciliation.

Virtual card payments simplify reconciliation by eliminating costly and time-consuming manual payments.

Improve payment visibility and control.

Virtual card payments provide detailed, timely data that improves expense tracking and forecasting, strengthens supplier negotiations and supports audit and regulatory compliance reporting.

Send real-time payments.

A simple, seamless interface connects to your internal systems through an application programming interface (API). Pay suppliers in real time, 24/7 without additional software, hardware or time-intensive staff training.

Maximize supplier enrollment.

We offer program optimization and supplier enablement services to help accelerate virtual card adoption. Our dedicated experts will work with you to develop campaign strategies and assist with supplier education and outreach.

Learn more about supplier enablement

Protect against payment fraud with virtual credit cards.

While no payment method is 100% immune to payment fraud, five factors make virtual cards significantly more secure than other payments.

Discover virtual card security features

Automate invoice-to-pay.

Streamline virtual card, ACH, wire and check payments with a single integrated payables solution. U.S. Bank AP OptimizerTM automates payables to maximize efficiency, reduce fraud risk and cut costs.

Automate your payables

Extend virtual card benefits beyond planned purchases.

U.S. Bank Instant Card uses a mobile app to send a virtual card number directly into a mobile wallet for immediate use by anyone in your organization to pay for unplanned purchases like travel, project expenses and office supplies. Gain payment flexibility and an end-to-end digital experience while retaining virtual card safeguards and controls.

Keep operations moving

We have answers to your virtual credit card questions.