Virtual payment cards issuing
Just like a physical card,
only more convenient
In addition to or instead of a physical bank card, the virtual payment card now integrates into a mobile wallet for online or contactless payments, available in two formats:
- The dematerialised card for convenience: it is a digital copy of the physical bank card, but stored on the phone.
- The virtual card for increased security, which has its numbers, expiration date, and CVC (security code), is unique and stored exclusively on the phone.
Depending on its settings, it can be temporary or single-use, allowing for just one online payment.
Tailored virtual card programs
For businesses
Numerous settings allow for customising each user’s experience:
- Acceptance conditions (geolocation, period, frequency…)
- Eligible expense categories
- Usage limits
- Card validity period
- Enhanced offer: from free virtual bank cards for standard services to a catalogue of paid cards for premium services.
For users
Thanks to our self-service features, users can set their preferences:
- PIN code selection
- Real-time display
- Temporary card blocking
- Instant card suspension
- Spending limit modification
- Online payment settings
Key partners: VISA and Groupe BPCE
With Xpollens’ virtual payment card issuance, you benefit from the stability of Groupe BPCE, the second-largest banking group in France,
and the expertise of VISA, the global leader in payments.
Virtual cards for real-time use
Issue cards without banking complexity
The banking licence held by Xpollens allows you to instantly issue virtual or dematerialised cards, bypassing the processing delays of traditional banks.
Increase customer satisfaction
- Provision of gift vouchers
- Cashback is directly accessible via mobile
- Real-time customer compensation
Simplify the day-to-day for Finance teams
- Easier and faster supplier payments
- Cash flow optimisation
For your clients: the Xpollens virtual card in 4 benefits
Offer your clients a virtual payment card for a smoother and safer experience.
Simplicity
Stored securely in the phone and linked to Apple Pay, Google Pay, or any Xpay wallet, the virtual card eliminates the need to carry a wallet for online payments and contactless transactions wherever accepted.
Control
Linked to direct debits or subscriptions, the virtual card can easily be locked from the phone in case of a suspicious transaction or compromised account, without losing access to the main card.
Immediate use
No need to wait for a physical card to arrive by post,
the virtual card is available instantly.
Security
3D Secure fraud protection, transaction notifications, card and service activation/deactivation directly within the app—the virtual card keeps your money safe.
For your employees: the Xpollens virtual card in 5 benefits
For occasional or recurring expenses, the virtual card saves your employees time while enhancing the security of their payments.
For employees
- Autonomy: employees can request validation from the Finance team at any time for a card needed for a one-off or recurring purchase.
- Time-saving: by handling business expenses quickly and easily, employees avoid the time-consuming task of submitting expense reports.
For the Finance team
- Control: authorised days, spending limits, expense categories, and card validity periods, including temporary ones, are all set by the Finance team according to the needs and autonomy levels of employees.
- Security: with 3D Secure strong authentication and real-time expense tracking, virtual cards enhance the security of employee payments and, consequently, the company’s funds.
- Efficiency: thanks to our APIs, payment data can be integrated into your existing tools, simplifying expense report management and optimising cash flow.
Virtual cards: an innovative method across many sectors
Thanks to our APIs and banking licence, no matter your sector, it’s now easy to integrate these innovative uses of virtual cards into your existing processes, thereby enriching your clients’ experience.
Insurance
Instant issuance of a virtual payment card avoids upfront payments by policyholders:
• For repairs or medical consultations
• For stays abroad
Travel
In the event of a delayed or cancelled flight, an airline can compensate its clients by instantly issuing a closed-loop virtual card, usable only within the brand’s network. This guarantees customer satisfaction and loyalty.
Retail
As a reward in a loyalty programme, for a refund, or as a goodwill gesture, issuing a closed-loop virtual card within a brand or group of brands helps to enhance customer value and loyalty.
Integrating virtual cards
directly into your tools
Our platform’s Banking-as-a-Service technology enables you to use our API to connect your existing tools and processes with our pay out solutions, such as virtual payment cards, SEPA direct debits, and virtual IBANs.
There’s no need to change your bank, CRM, ERP, or CMS, or add new applications to your information system.
Your virtual card program
with tailored support
from our experts
From the planning phase to the operational phase, you’ll have a dedicated contact for your project and the support of our teams to assist you daily.
FAQ: the virtual payment card
What is a virtual bank card?
Stored on a phone, integrated into an Xpay mobile wallet, digital and mobile, the virtual card allows you to pay for online purchases or make contactless payments in-store.
It should not be mistaken for the dematerialised card, a digital copy of the physical bank card stored on the smartphone.
Why issue virtual cards?
Issuing virtual payment cards improves the user experience by combining immediate availability, convenience, and security. Virtual cards can be customised for tailored customer experiences, enriched with loyalty or cashback programmes.
Is issuing virtual bank cards complicated?
The Xpollens BaaS platform and banking licence allow instant and straightforward virtual card generation.
Beyond issuance, real-time payment data optimises insights and eases the Finance team workload.
What is the payment limit of a virtual bank card?
Just as the validity period, the authorised spending limit can be customised by the administrator or user, depending on the desired level of autonomy.
Are there risks associated with using a virtual card?
For online purchases, it has the same strong authentication systems as a physical card: 3D Secure, One Time Password.
For in-store contactless purchases, the virtual card offers additional security through the biometric authentication systems of the smartphone on which it is stored.
