Virtual credit cards for business
Maximise your business’ financial security with virtual cards. Create and terminate cards instantly, segment your spending, and protect yourself from fraud.
Uncapped 1% cashback with no annual fee
Rates as low as 15.5% APR (variable)
Practical credit limits up to £250,000
Free company cards with spend controls
Start spending the moment you’re approved
Create virtual cards in seconds and start spending the moment you’re approved for a Capital on Tap account. Urgent bills or invoices to pay? No need to wait for your physical card, virtual cards have you covered.
How to start with virtual cards?
It’s free and easy to create virtual cards from your online portal or app.
Use your card online or in-person
Use your virtual cards to make secure payments online and in-store. Add them to your Google or Apple wallet for seamless and safe transactions.
Add cards for different vendors
Create virtual cards for different vendors to effortlessly track expenses across your suppliers and team. Prevent subscription creep, and gain better insights into your spending per vendor.
Set spend limits for specific uses
Whether you’re booking business travel or making a big purchase, customise each card’s spend limit to stay within budget.
Replace your physical card immediately
Physical card lost or stolen? Generate a virtual card instantly and use this card whilst you wait for a new physical card. Keep spending without interruption!
Manage recurring payments and subscriptions
Save time and effort by using virtual cards to easily manage and cancel unwanted subscriptions, streamlining your financial management process.
Protect yourself from fraud
Experience peace of mind with virtual cards - instantly void and generate a new one if something feels off. Safeguard your card information and access your funds without delay.
Let the Capital on Tap Business Credit Card make running your business easier
Frequently asked questions
What is a business virtual credit card?
A business virtual credit card is a digital card that has a customised card number, expiry date, and security code. Use virtual cards confidently for secure online or in-store payments through Apple or Google Pay.
When you no longer need a virtual card, you can terminate it in seconds, ensuring you manage your finances efficiently.
Virtual cards give you an added layer of security, protect your actual card number and offer greater financial control.
What are the benefits of virtual credit cards?
Virtual cards provide enhanced security by having unique details separate from your physical card, reducing the risk of fraud. You can easily track expenses, view transaction history, and get real-time alerts. Plus, you can create virtual cards instantly with a Capital on Tap account, making urgent payments hassle-free, even before your physical card arrives.
Can I use a virtual credit card in-store?
Yes, you can use virtual credit cards in-store. You can easily add your virtual card to your Google and Apple Pay wallet the day you’re approved for use in-store as well as online. No need to carry a bulky wallet around any longer!
Can I use a virtual credit card at an ATM?
No. Virtual credit cards can be used to pay online, in-store or in-app, but not at an ATM to withdraw cash or review account information. This is because the card is virtual, so you won’t have a physical card to enter into the ATM.
Are virtual credit cards safe?
Yes, virtual credit cards are safe. Each virtual card you create has its own custom card number, expiration date, and security code that can be created or deleted easily and at any time. So, if you make a purchase with your virtual card but something doesn’t feel quite right, simply void your card and generate a new one instantly. You won’t have to worry about your card information getting in the hands of the wrong people, and won’t suffer a delay in access to your funds.
Is there a limit to the number of virtual cards I can create?
Different credit card providers will have different virtual card limits. Each Capital on Tap cardholder can hold up to five virtual cards at once. This means five virtual cards for you, and five virtual cards for each of your employees - all for free.
There’s no limit to how many times you can create and delete your Capital on Tap virtual credit cards, as long as you only have up to 5 at once per cardholder.