Virtual Card Issuing

Reliable & Scalable Virtual Card Issuing

PayCompass delivers dependable virtual card issuing infrastructure built for scalability. Whether you’re managing hundreds or millions of transactions, our platform ensures consistent uptime, seamless performance, and real-time controls. With our compliance and fraud prevention tools, you can scale your payment operations with ease and peace of mind.

Your Partner in Payments, Your Path to Growth

At PayCompass, we do more than process payments—we power your success. As a trusted partner to thousands of businesses, we provide the technology, support, and expertise to help you scale with confidence. Whether you’re growing your revenue, expanding your customer base, or optimizing operations, we’re with you every step of the way.

$5bn+

Processed

6,000+

Accounts

300+

Nationwide Agents

Why Choose PayCompass?

High Volume Expertise:

Specializing in high-volume transactions, PayCompass helps fast-growing businesses manage virtual payments efficiently and securely

Competitive Fee Structure:

Transparent, affordable rates with no hidden fees. Designed to support your growth, not cut into your margins.

Secure & Reliable:

Advanced encryption, real-time monitoring, and PCI-compliant infrastructure ensure every transaction is safe and trusted.

Customized Solutions:

We offer high risk businesses tailored solutions to keep operations smooth. Get in touch to learn more about how we help risky industries.

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“Before PayCompass, the fees weren’t great. Payment settlements typically posted 24 hours after close.”

PayCompass came in and asked to see our statements and what kind of fees we were paying with our processor – and, long story short, they were able to cut our fees significantly.rnrnWe get paid in a timely fashion. We don’t have any delays. We don’t have any problems. That was about 11 years ago, and we’ve been with them ever since.

— Mark Williams

Owner of Yota Pros

“When we first bought Gold Bar, 10% of the business was credit cards. And, now, 23 years later, 10% of the business is cash.”

With our new POS system [provided by PayCompass], we can track sales hour-by-hour. I can be out and pull it up on my phone and see if the girls are having a busy hour, busy afternoon, or busy morning.rnrnI can easily say, ‘Gosh, it looks really quiet. Why don’t one of you guys go home?’ or ‘Hey, it’s really busy, you need some help, so I’ll show up.

—Karen Miller

Owner of Gold Bar Espresso

“PayCompass really revolutionized how we work with our customers and employees.”

We have 1800+ items with barcodes in our store. Misay, our PayCompass Agent, came into the picture and scanned all of them, and now it’s way easier to sell to our customers. We used to have a lot of cash – big jugs of pennies, quarters, nickels, dollar bills – but now we’ve moved on to credit cards and Apple Pay. People pay with their watches now. It’s cool to see.

—Hazem Awawdeh

Owner of El Paisano’s

How It Works

Minutes to Apply

Streamlined onboarding means you can apply for virtual card issuing in just minutes—no complex paperwork or long waits. Start issuing cards today with ease.

Fast Approval

We know time is money. Expect a speedy approval, usually within 3-5 business days. If needed, we’ll offer expert tips to approve your chances.

Accept Payments

Start processing payments and issuing virtual cards with PayCompass. Choose to overnight your hardware if you’d like to get started right away.

Secured Growth

Chargeback protection, fraud prevention, real-time monitoring, and a world class client support team. We’re accessible and here to help when you need it.

About Our Services

Payment Gateway

Our PayCompass secure payment gateway makes virtual card payments easy. We merge fast authorization and encrypted data to keep data safe – a reliable connection for all virtual card processing needs.

Payment Processing

Cut down on fraud and make managing business finances a remarkably smooth and efficient experience. Our streamlined and secure payment processing allows you to focus on your business.

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Industries that Rely on Our Virtual Card Solutions

Continuity Subscription

Perfect for continuity and subscription businesses, virtual cards allow controlled recurring billing, fraud prevention, and easy cancellation – boosting retention and reducing payment declines.

Non-Profits

Non-profits can manage grant disbursements, volunteer stipends, and vendor payments securely with virtual cards – ensuring transparency, compliance, and easy financial tracking.

SaaS Companies

SaaS platforms benefit from simplified billing, automated expense control, and scalable payment systems with virtual card issuance – ideal for subscription-based models.

Travel Agencies

Travel businesses can instantly issue cards for bookings, supplier payments, or even refunds. Control spend with virtual card solutions that enhance fraud protection and reconciliation.

Ecommerce

Virtual cards empower eCommerce businesses to manage vendor payouts, ad spend, and subscriptions securely. Set spend limits, reduce fraud, and streamline reconciliation with transaction-level visibility.

Our Virtual Card Platform

Our virtual card solutions include:

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PayCompass Virtual Card Issuing Platform

Fraud Risks:

Virtual cards reduce fraud risk by generating unique card numbers per transaction or vendor. By limiting exposure, your business can keep financial data both safe and private.

Chargebacks:

Our system helps minimize chargebacks with real-time controls, authorization rules, and transaction-level visibility—ensuring better dispute resolution and prevention. Your business is our priority.

Multi-Currency Transactions:

Our virtual card platform handles currencies from over 170 countries. Take your business to new heights and avoid costly conversion fees with PayCompass.

Real Time Monitoring:

Our services include real time monitoring of all transactions – including virtual card spend. Stay in the loop with instant updates and stay in control of every transaction as it happens.

World Class Support:

When you need a hand, our expert support team is ready to jump in and make sure your virtual card issuing experience is smooth sailing. From setup to any questions you might have along the way.

Enhanced Security for Your Business

Simplified Online Payments

PayCompass simplifies online payments with flexible virtual card issuance tailored to your business. Instantly issue cards for staff, departments, or vendors – each with custom spend limits and usage controls. Real-time reporting and API integrations provide full visibility and automation. Built-in fraud detection and instant freeze features help reduce risk. Whether managing one card or scaling to thousands, PayCompass lets you spend smarter and grow faster.

Reduced Risk & Enhanced Security

Protect your business with advanced risk tools baked into every card issued. Each virtual debit card issuance has customizable parameters, including merchant locking, spend limits, and expiration controls. Sensitive data is encrypted and tokenized to prevent exposure. Reduce fraud, data theft, and unauthorized transactions. Real time monitoring gives you even more security control over each online transaction – all while offering your team flexible and trackable ways to pay.

Control, Flexibility, & Simplified Online Payments

You get to call the shots on every transaction – set limits, expiry dates, even where the card can be used. Forget jumping through hoops to get payments approved or sharing the same old card. With us, you can instantly create virtual cards for whatever you need, giving access only when and where it makes sense.

It all fits right in with your current setup, for a clear, easy-to-manage view of your spending. Take back your time and get a grip on your finances with our virtual card solutions.

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Revolutionize Your Payment Solutions

Join over 6,250 merchants worldwide who trust PayCompass for expert payment solutions. Whether you need specialized high-risk merchant accounts or advanced payment processing tools, we’re here to simplify the complexities. Let us handle the intricate details, so you can stay focused on what you do best.

Get in touch with us today for a consultation or subscribe to our high-risk merchant services, and experience the difference that streamlined payment solutions can make in empowering your business to thrive.

888.807.2889

info@paycompass.com

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Note: PayCompass is not a lending institution and does NOT issue personal credit cards or loans.

Frequently Asked Questions

What is a virtual card and how does it work?

Think of a virtual card with PayCompass as your smart digital payment option. Our virtual credit card platform lets you whip up these unique, temporary card numbers for those one-off online buys or specific vendor payments. It’s like giving out a decoy instead of your main card details, seriously boosting your security. Plus, you can often set spending limits and expiry dates, putting you in the driver’s seat for every transaction within our system.

How secure are PayCompass virtual cards?

When it comes to your business finances, security is everything. That’s why PayCompass’s virtual card issuing solutions are built with top-notch encryption and tokenization that keeps your info secure during every payment. Since each virtual card is its own unique number, often for a single use or a limited time, the risk of your main account getting hit is way lower. Our platform also keeps a watchful eye with real-time monitoring, so you can spot anything suspicious quickly.

What rates can I expect for PayCompass virtual card issuing?

We like to keep things straight and simple when it comes to pricing for our virtual debit card issuance. Our rates usually depend on how much you’re processing and what features you’re using. We know you’re watching the bottom line, so we’re committed to being upfront about any fees for creating and using virtual cards through our platform. Hit up our team for a custom quote – we’ll tailor it to fit your business like a glove, giving you the full view of the costs.

Are there any fees associated with using PayCompass virtual cards?

Transparency is key with our virtual credit card platform. Generally, just issuing and using the basic virtual cards won’t come with extra fees. However, if you’re getting into some of the more advanced features or handling a really high volume of transactions, there might be some costs involved. We’re all about no surprises, so our expert team will give you a clear rundown of any potential fees tied to how you plan to use our virtual card solutions. We want you to be in the know from the get-go.