Find anything about our product, search our documentation, and more. Enter a query in the search input above, and results will be displayed as you type.
    BUSINESS BANKING BUSINESS CREDIT CARDS SVB VIRTUAL CARDS

    SVB Virtual Cards

    Facilitate flexible and secure digital payments for your business's travel, entertainment, purchasing and procurement needs.

    Already an SVB client*? Get Started
    Interested in an SVB card and not a client?

    Become a client 

    Leverage virtual cards for your business needs

    A virtual card is a unique, randomly generated 16-digit number for each transaction.
     

    Accounts payable

     
    Pay invoices and purchase orders with virtual cards fast and securely.
    More details

    • Improve accounts payable process efficiencies

    • Optimize working capital

    • Expedite supplier payments

    • Monetize your accounts payable spend




     

    On-demand payments

     
    Pay for the ad-hoc one-time purchases or recurring subscription services using virtual cards securely.
    More details

    • Control spending with pre-spend controls and approval workflows

    • Make secure online payments for purchases and subscriptions

    • Avoid issuing physical plastic cards for every employee

    • Gain visibility into company spending

     

    Travel and expenses

     
    Set spending limits for tighter control on travel and expenses.
    More details

    • Use virtual cards to book travel

    • Set spending limits for specific trips

    • Employ tighter control over travel expenses

    • Gain visibility into T&E spend

    Discover the benefits of SVB virtual cards to you and your business

     
    The benefits of virtual cards are enhanced control and transaction security for your business.
     

    Improved control, compliance and security

    Transaction and authorization controls that designate how, when and where virtual cards are used.
     

    Intuitive reconciliation and reporting

    Real-time data capture allows automated reconciliation on virtual card payments and simplified reporting.
     

    Widely accepted

    Use SVB virtual cards at any merchant (or supplier) that accepts Mastercard across the globe.
     

    Optimize cash flow

    Optimize cash flow by paying with a virtual card versus wire, ACH or check, letting you preserve working capital.

    What to look for in a virtual cards program

    The SVB virtual card program provides you with several key features that streamline and simplify your digital payments.
     

    Web-based application

     
    Request and manage virtual cards via an easy-to-use web portal from any device.
    More details

    • Intuitive online application that does not require system integration

    • Enables authorized users to easily generate virtual cards for purchase requests

    • Ideal for on-demand purchasing, travel and accounts payables needs

     

    Accounts payable batch file

     
    Automate your accounts payables processes through a batch file process.
    More details

    • Integrates directly into your ERP system to generate AP file

    • Automated transaction reconciliation by linking invoices to virtual card payments

    • Provides increased visibility into payment disbursements

    • Ideal for automating end-to-end accounts payables process

     

    API

     
    Leverage all virtual card features through a scalable and reliable API.
    More details

    • Developer-friendly interface with highly configurable capabilities

    • Enables real-time generation of virtual cards at scale

    • Ideal for high-volume, high-frequency payments

    Get a single, real-time account view

    The SVB virtual card program works together with SVB Online Banking’s dashboard to let you centrally manage all your business’s banking needs for improved visibility into your company’s accounts and transactions.
    svb vcn module
    Online Banking Businessman Using Laptop 500 x 333

    Program features

    Accelerate reconciliation with SVB Virtual Card features, including:

    • Instantly generate unique single-use or multi-use virtual cards on-demand 24 hours a day, 356 days a year 

    • Define control parameters specific to the intended/approved card use to    increase transaction security and prevent misuse

    • Optional pre-spend controls like approval routing on virtual card requests

    • Automated reconciliation between Invoices/POs and virtual card transactions to simplify accounting processes

    • Make virtual card payments globally in multiple currencies

    • Integrates easily into spend management solutions like Coupa, Teampay, Airbase and more

    Give your company the transparency and security of virtual cards

     

    To learn more about how SVB virtual cards can help you manage balances, transactions, and more, contact your relationship manager or click the link below. Already an SVB client*? Get Started. Interested in an SVB card and not a client?

    Become a client

    *SVB clients are companies with an existing business banking relationship with Silicon Valley Bank.

    The term virtual card number (VCN) is synonymous with industry terminology such as virtual card, virtual account, v-card, single-use accounts, enterprise application platform (EAP), and e-payables.

    New Corporate and Business Card programs are subject to credit approval. For complete details about the SVB Innovator Card and SVB Multi Card Mastercard, including applicable fees and terms and conditions of the Card program, please see the SVB Innovator Card Agreement and Rewards Terms and Conditions and SVB Multi Card Mastercard Terms and Conditions for full program details. All credit products and loans are subject to underwriting, credit, and collateral approval. All information contained herein is for informational and reference purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies subject to change without notice. This is not a commitment to lend. Certain terms, conditions, exclusions, and limitations apply, including a limit on cash advance capabilities.

    Mastercard is a registered trademark of Mastercard International Incorporated and is an independent third party. 

    The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

    All non-SVB named companies listed throughout this document are independent third parties and are not affiliated with Silicon Valley Bank, a division of First-Citizens Bank & Trust Company.   

    View the Commercial Credit Card Terms & Conditions