A digital payment solution supporting on-the-go business purchases
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Mobile Virtual Cards
Security may be required. Product fees may apply. For more information on fees, rates and charges, speak to your Relationship Manager. To apply you must be a UK resident aged 18 or over and hold a valid credit card product. Mobile virtual cards is for UK businesses only. To apply you must be either a Limited Company, UK public sector organisation, Partnership (of 4 of more partners) or a Charity without individuals as trustees with an annual turnover of £25m+ and maintain a business bank account in the same legal entity name with Royal Bank. Subject to status, business use only.
What are Mobile Virtual Cards?
A digital payment solution you can use to manage supplier payments and travel expenses. Link virtual cards with Apple Pay and Google Pay for easy on-the-go purchases ideal for various business scenarios:
- Non-employees: Provide funds to third parties without issuing a physical card
- Employee travel: Simplify travel expenses with virtual cards
- Meetings and events: Issue virtual cards for corporate events
- Supplier payments: Easily manage unexpected or one-time payments
Control your cards
Powerful control features ensure security and optimal use.
- Capture custom data elements when a virtual card number is created for better tracking and reconciliation
- Increased security through tokens used for payments, preventing exposure of actual card numbers to retailers
- Chose when, where and how virtual cards are used, helping you stay on budget and control your spend
- Decrease fraud claims with real-time tracking, usage controls and virtual cards that close based on their set end date
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What you can do in the app
Mobile Virtual Cards are supported by the Mastercard® In Control App.
- Convenient and quick contactless payments through Apple Pay and Google Pay
- Instant availability of funds without the wait for physical cards
- Simplify expense reporting and focus on targeted auditing
- Easily monitor spending to stay within budget
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Business benefits
- Grow your card programme by reducing cash and other payment methods
- Increase cashflow through card terms
- Reduce the use of plastic cards
- Gain detailed insights into spending patterns
- Options to incorporate into existing tools via API to further simplify processes
- Maintain policy compliance and minimise fraud through control features
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Employee benefits
- Enjoy a consumer-like, fast checkout experience
- Avoid relying on personal funds to pre-pay for business purchases
- Immediate access to funds for urgent needs
- Reduce the need to report expenses through pre-populated expense data associated with mobile virtual cards
- Keep details safe when making payments with tokens instead of card numbers
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Use Apple Pay and Google Pay™
Apple Pay
Use your virtual card within Apple Pay. Contact free payments made easy. Apple Pay lets you make secure, contactless payments with Apple devices such as iPhone, Apple Watch, iPad and Mac both in-store and online.
Google Pay™
Got an Android phone? You can store your virtual card details in your secure Google account. Then use your phone to pay for anything from boarding passes to restaurant meals.
Apple Pay and Google Pay™ available on selected Apple and Android devices. Retailer limits may apply.
I want to apply
Call your Relationship Manager
- You should have a direct number for them
- You can discuss applying for a virtual card account with them
- They can start the application for you and arrange to get the appropriate signatures
- They can also help you apply for Approval2Buy, an additional virtual account solution which helps you simplify supplier payments
- Business and Relationship Managers are available 9am-5pm Monday-Friday