AP Payments Automation
with Virtual Credit Cards

Revolutionize Your Accounts Payable Process with Virtual Credit Cards

What Are Virtual Credit Cards?

Revolutionize your accounts payable process with virtual credit cards. These single-use, randomly generated 16-digit numbers are transforming how finance leaders handle accounts payable by cutting costs, reducing fraud, and improving efficiency.  Virtual credit cards (sometimes called “ghost cards”) are randomly generated 16-digit card numbers designed for a single charge of a specified amount. Unlike physical cards, they are created through tokenization, adding a secure layer to transactions and drastically reducing fraud risk.

Benefits of Virtual Cards in Accounts Payable

  • 1 Enhanced Fraud Protection: Virtual cards add an extra layer of security to financial transactions by providing unique, single-use numbers.
  • 2 Swift Payment Processing: They accelerate payment processes, ensuring timely and efficient transactions.
  • 3 Seamless Workflow Integration: Adopting virtual cards is easy and integrates smoothly with existing workflows.
  • 4 Simplified Payment Reconciliation: They simplify the tracking and management of transactions, making reconciliation easier.
  • 5 Cash-Back Rebates: Users often receive cash-back rebates, adding financial benefits.
  • 6 Vendor Acceptance: Many vendors prefer virtual cards due to faster, more secure payments and better remittance information.

The Business Case for Virtual Credit Cards

Switching from paper checks to virtual credit cards reduces the cost of postage, paper, and manual processing (typically $3–$5 per check). They also eliminate NSF risks and speed up settlement — freeing your AP team to focus on higher-value tasks instead of manual data entry.

Advantages of Virtual Cards in Accounts Payable

  • 1 Mitigate Fraudulent Payments: With no physical card to steal and single-use numbers, virtual cards greatly reduce the risk of fraud.
  • 2 Optimize Working Capital: Virtual cards allow faster payments compared to paper checks, improving cash flow and supplier relationships.
  • 3 Earn Cash-Back Rebates: Up to 1.5% rebate on payments can translate into significant savings.
  • 4 Streamlined Supplier Experience: Suppliers benefit from faster payments, assured funds, and better remittance information.
  • 5 Cost and Process Efficiency: Virtual cards reduce manual processing, freeing up AP teams to focus on more strategic tasks.
  • 6 Improved Payment Accuracy: Assigning specific amounts to suppliers minimizes the risk of duplicate payments.
  • 7 Ease of Use: Virtual cards are easy to create and send, streamlining the payment process.
  • 8 Supplier Preference: Faster settlements, traceability, and enhanced security make virtual cards popular among suppliers.
  • 9 Paperless AP Process: Virtual cards support a paperless environment, ideal for remote or hybrid work settings.
  • 10 High Enrollment Rates: Revolution Payments assists with supplier enrollment, ensuring minimal disruption to your business.

The Business Case for Virtual Cards

Virtual cards reduce the cost and inefficiencies associated with paper checks. They enable AP departments to focus on value-added tasks, modernizing processes and yielding significant returns without compromising security.

Starting with Virtual Card Payments

Using an accounts payable automation platform like Revolution Payments simplifies the adoption of virtual cards. The platform centralizes the AP process, expediting steps from invoice receipt to payment execution, eliminating manual intervention, and ensuring a seamless transition.

Explore the Benefits with Revolution Payments

Curious about how AP Payments Automation with virtual cards can streamline your vendor payment process while improving efficiency, accuracy, and cost savings.

Contact Revolution Payments to schedule a personalized demo and explore the possibilities.

Frequently Asked Questions (FAQs)

How Do Virtual Credit Cards Work? 

Virtual credit cards work by generating a secure, single-use 16-digit card number for a specific payment amount. Instead of sharing your company’s actual card details, a unique token is issued through your AP or payment platform. That number can only be used once, for the exact amount authorized, and then it expires.

For accounts payable teams, this means payments are faster, safer, and easier to reconcile — with reduced fraud risk, improved control, and potential rebates that flow straight back your bottom line.

Is a Virtual Card Debit or Credit?

A virtual card functions like a credit card but is fully digital and single-use.

Can You Use Virtual Cards to Pay Online?

Yes, virtual cards are electronic payments for online transactions, usable only once for a specific amount.

What Are the Benefits of Virtual Card Payments?

  • Reduce fraudulent payments
  • Cut costs,
  • Optimize working capital,
  • Improve payment accuracy,
  • Streamline supplier experiences,
  • Earn cash-back rebates
  • Ease the payment process, meeting supplier preferences.
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