Virtual cards built for smarter, more secure business payments

WEX Virtual Cards give you total control over every transaction, combining automation, data, and flexible funding to simplify supplier payments and strengthen your cash flow.

WEX Virtual Cards are the core of our end-to-end integrated payment platform. Each single-use card is generated for a specific transaction with pre-set parameters, ensuring total visibility and security. With the option to pair Virtual Cards with Flexible Funding, you can expand purchasing capacity, align spend with demand, and maintain the liquidity your business needs to grow.

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A WEX Card disassembled to illustrate innovation

Why choose WEX virtual cards

Part of an integrated platform

WEX Virtual Cards operate within a connected ecosystem that unify funding, payments, and reconciliation across our platforms, reducing complexity, improving visibility and eliminating manual processes

End-to-end automation

From file upload or API integration to supplier payment and automated reconciliation, WEX handles every stage of the workflow, providing full transparency and auditability

Built-in funding flexibility

Through WEX Flexible Funding, you can scale, spend up or down based on business cycles, using your own capital or credit to increase available limits when needed

Enhanced security

Each card number is single-use and controlled by merchant, value, and validity date. This structure reduces fraud exposure and protects working capital

Smarter data, better decisions

Every transaction feeds real-time data back into your ERP or accounting system, giving you richer insights for forecasting, reporting, and supplier performance

Supplier-ready by design

WEX Virtual Cards align to how travel suppliers want to be paid. Cards can be configured to match supplier preferences, settlement timing, and acceptance requirements, reducing friction and supporting faster supplier onboarding and adoption

How it works

Virtual card functionality within WEX’s payment platforms gives you greater control over every transaction, issuing single-use card numbers while delivering detailed data for easy reconciliation and reporting.

Step 1 – Integration

Send payment instructions to WEX via secure API or file upload

Step 2 – Virtual card generation

WEX issues a unique, single-use Virtual Card Number (VCN) for each transaction with predefined parameters

Step 3 – Supplier enablement

WEX securely transmits payment details to suppliers via encrypted email or portal access

Step 4 – Settlement and reconciliation

Once the payment clears, detailed transaction data is automatically returned to your ERP for reconciliation

Step 5 – Flexible Funding support

Top up or extend your available limit using Flexible Funding to match spend cycles and maintain liquidity

An application used to manage business payments and transactions

The advantages of WEX virtual cards

Better security Single-use card design reduces exposure to fraud and unauthorised transactions
Greater efficiency Automation eliminates manual reconciliation and payment processing
More insight Real-time transaction data improves forecasting and decision-making
Financial flexibility Pair with Flexible Funding to increase available spend when demand peaks
Global acceptance Pay suppliers instantly in 20+ currencies across 210+ countries and territories

Why WEX

#1

in virtual card travel payments globally

$231B+

of payments volume across all segments annually

8/10

world’s top travel companies partner with WEX

40+

years of global experience