Virtual Credit Cards by ZEN.COM
Issue Virtual Cards at scale, globally Issue Mastercard virtual cards in 35 currencies with merchant lock, 3D Secure, and per-card spend limits.& OTAs
shopping
expenses
35 Currencies supported
Competitive Interchange rebate
<1s Card issuance time
Virtual Credit Cards
One virtual card platform for every business purpose
TRAVEL & OTA’s
Pay hotels, airlines, and car rentals with single-use VCCs locked to the exact booking amount. Reduce chargebacks and supplier fraud risk.
ECOMMERCE & MEDIA BUYING
Fund Google Ads, Meta, TikTok, and programmatic platforms with dedicated VCCs per account. Earn interchange rebates on every dollar spent.
CORPORATE EXPENSES
Replace petty cash and shared cards. Issue employee VCCs with per-category limits and automatic expiry after each trip or project.
INTERNATIONAL TRANSACTIONS
Pay global vendors in USD, EUR, GBP, and more. Mastercard network acceptance at 150M+ merchants worldwide.
Industry Solutions
We build the right VCC setup for every type of business Six features that make virtual card issuing work at business scale.
Issue one VCC per hotel/airline booking in under a second
Lock card to exact supplier and booking amount. Zero overspend risk
Multi-currency cards in supplier's billing currencyMulti-currency cards in supplier's billing currency
Reconciliation reports for clean back-office posting
Direct issuance with no intermediary markup
Dedicated VCC per vendor. One compromise doesn't touch the rest
Affiliate marketing: one VCC per offer, per network, or per ad account
Recurring card configuration for subscription platforms and ad spend
Cancel or freeze a card in seconds. No chargeback exposure
Digital wallet integration for online checkout
Manage hundreds of active cards from one dashboard
Issue VCCs per employee, department or project in seconds
Set hard spend limits. Cards decline when the limit is reached
Real-time transaction visibility across all card
No prepayment lock-up. Flexible direct funding options available
Security controls on every virtual card
SINGLE-USE & MERCHANT LOCK
Every card can be configured for single-use only or locked to a specific merchant MCC. This prevents unauthorised use even if card data is intercepted.
REAL-TIME SPEND CONTROLS
Set precise spend limits per card. Any transaction exceeding the limit is declined automatically. No chargebacks, no manual intervention.
DIGITAL WALLET MAGEMENT
Track all active cards, transaction history, and balances from a single dashboard, with full audit trail for compliance.
3D’s & ENHANCED AUTHENTICATION
3D Secure authentication on every card. Additional layers of verification confirm only authorised transactions go through, protecting both you and your counterparties.
INSTANT FREEZE & REVOKE
Freeze or cancel any card in real time from the dashboard. No waiting for a physical card to be replaced.
FULL COMPLIANCE & AUDIT TRAIL
Every card issuance, transaction, and status change is logged with timestamps. Full authorisation and settlement data available for compliance reporting.
Virtual cards built for scale and control
1CREATE YOUR ZEN.COM ACCOUNT
CREATE YOUR ZEN.COM ACCOUNT
Sign up online, complete KYB verification, and link your funding account. We hold the card-issuing licence, so you don't need one of your own.Minutes to sign UP
2SET UP TOUR CARD PROGRAMME
SET UP TOUR CARD PROGRAMME
Configure your card types, spend rules, and currencies in the ZEN.COM platform. Our team guides you through the setup. No technical expertise required.Guided onboarding
3ISSUE YOUR FIRST VIRTUAL CARD
ISSUE YOUR FIRST VIRTUAL CARD
Issue cards directly from the ZEN.COM dashboard. Set the card type, currency, spend limit, expiry, and merchant lock in a few steps. Card ready in under one second.<1 SECOUND ISSUANCE
4TRACK, REPORT & EARN RABATES
TRACK, REPORT & EARN RABATES
Monitor all cards and transactions in real time from your dashboard. Export reconciliation reports. Freeze, cancel, or update card limits in seconds. All from one place.Competitive interchange rebate
Multi-Currency
Multi-currency virtual cards across 35 currencies Issue cards and settle in the currency of your choice.Across 35 currencies, globally.
Frequently Asked Questions
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What is a virtual credit card (VCC)?
A virtual credit card is a digitally generated payment card with a unique card number, CVV, and expiry date. It is issued in seconds with no physical card. VCCs are used for secure online payments, B2B supplier payments, and corporate spend management. They can be locked to specific merchants, capped to exact spend limits, and cancelled in seconds when no longer needed. -
What sets ZEN.COM's virtual cards apart?
ZEN.COM offers Mastercard virtual card issuance, 35 currencies, competitive interchange rebates, and unified reporting from a single portal. All in one place, with transparent pricing. -
Can I get a virtual credit card without linking a bank account?
To issue a VCC, you need a funded ZEN.COM account. We offer flexible funding options including direct bank transfers and credit facilities for qualified businesses. Contact our team to discuss the right funding model for your use case. -
Are there any hidden costs with ZEN.COM VCCs?
We earn revenue from interchange, not from fees charged to you. Pricing is fully transparent, with no separate charges for FX transactions, international transfers, or portal access. Full pricing terms are agreed during onboarding, before you issue your first card. -
How can I manage multiple virtual cards?
Through the ZEN.COM dashboard you can view all active cards, filter by type, merchant, currency, or date range, and export transaction data. Freeze, cancel, update limits, or issue new cards in bulk. All from one centralised platform. -
How quickly can we go live with ZEN.COM VCCs?
Most businesses go live within days of completing KYB verification. Once your account is approved and funded, your first VCC can be issued in under one second.
Let's build your card.
Tell us about your audience. We'll show you what their card could look like.