Virtual Card Issuing
Smart spending made easy with PayCompass virtual cards. Get tighter control, boost security, and simplify how your business pays.
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.
What Our Merchants Say
Jathan's expertise and Beth's dedication turned a stressful situation into a smooth and manageable process. They not only resolved my issue swiftly but also followed up to make sure everything was running perfectly afterwards. This level of service is rare to find in the merchant processing industry, and I am incredibly grateful for their support.
William ChievesJester Park 
Setting sail in May 2023, Travelomile faced a crucial challenge: securing a reliable payment gateway for its budding travel venture. Amidst the daunting task, PayCompass emerged as our trusted ally, swiftly accepting our application and providing invaluable guidance. With seamless integration, virtual cards, and unwavering support, PayCompass proved indispensable in our journey to success.
Nirmaljit SinghHead of Sales, Travelomile 
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.
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.
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.
Web Agencies
Agencies can issue virtual cards for client ad budgets, tools, and subscriptions - separating expenses by project or team. Track spend in real time, reduce chargebacks, and simplify financial management.
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.
Our Virtual Card Platform
Our virtual card solutions include:
- Virtual Terminal
- Mobile
- In-store retail
- e-Commerce
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.
Get Started Today
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.
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Frequently Asked Questions
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.
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.
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.
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.
