Create and manage your own virtual cards
With Pay By Card, create virtual cards that will improve your business, whether you’re a large company, a small family business, or a freelancer.
Create and manage your own virtual cards
With Pay By Card, create virtual cards that will improve your business, whether you’re a large company, a small family business, or a freelancer.
FEATURES
Our virtual cards provide an extra layer of security as they
use a unique card number for each transaction, reducing the risk of fraudulent activity
use a unique card number for each transaction, reducing the risk of fraudulent activity
Simplicity
Our virtual cards are easy to use and can be shared with others, making them ideal for team or group expenses, or for situations where multiple people need access to the same card account.
Convenience
Our virtual cards can be easily created and managed through our online portal, making them easy to use for online purchases or recurring payments.
Digital Wallet
Pay By Card provides compatibility to carry your virtual card in your digital wallet to directly access funds from your phone.
Identity
Create and design branded virtual cards for your own company.
Multi currency
Pay By Card provides the ability to create multiple virtual cards in different currencies.
Control
Pay By Card users have control over their card usage, they can set limits and expiration dates, turn off or on the card and monitor transactions in real-time. If a transaction goes over the set limit, it will automatically be rejected.
Cost savings
Pay By Card can help businesses save money by eliminating the need for physical card production and distribution, and also can provide rewards for frequent usage.
Security
Our virtual cards provide an extra layer of security as they use a unique card number for each transaction, reducing the risk of fraudulent activity.
Flexibility
Our virtual cards can be used for a variety of transactions, from online shopping to subscription services.
Reloadable
Pay By Card allows users to transfer funds to their virtual cards free-of-charge.
Applications
The future of safe and secure shopping.
Dashboard
How It Works
Pay By Card allows you to manage your virtual cards easily
Our Client Dashboard allows you to control, manage and reconcile your expenses. You will have all the data you need in one place and will be able to make real-time adjustments to confidently make the right decisions.
You will also be able to prevent fraud by setting spending limits, blocking merchant categories, or creating numerous combinations of rules.
Besides, you will have the ability to transfer money to other accounts instantly, domestic or international.
Payment processing solutions
How It Works
Online & E-Commerce payments
Efficiently handle various payment methods on your ecommerce platform.
In Store Payments
We offer customized physical payment terminals and POS tools to process payments in your store.
Dispute Tools
How It Works
Forget about Chargebacks with our Dispute tools
High chargeback numbers damage your business. Luckily, Pay By Card offers a set of dispute tools to reduce unwanted chargebacks and maintain your chargeback ratio low.
Rapid Dispute Resolution (RDR) and Alerts
What is Rapid Dispute Resolution by Verify and Alerts by Ethoca?
Rapid Dispute Resolution (RDR) and Alerts are tools that allows merchants to respond to disputes with automatic refunds instead of going through a complex chargeback process and losing money. RDR and Alerts provide real-time resolution for disputes. We offer our solution in partnership with Verifi (Visa) and Ethoca (Mastercard).
How it works?
1. A transaction is disputed
The cardholder contacts the bank to dispute a transaction that he does not recognize.
2. RDR is initiated
The cardholder’s bank activates the RDR system.
3. Filters chosen by the merchant are applied
Our tool consults your pre-set filters and RDR Rules to determine whether or not the transaction should be refunded.
4. Refund is issued
If the transaction meets the pre-set filters, the qualifying transaction is automatically refunded on your behalf.
5. Chargeback is avoided
Chargeback is prevented, and your funds are safe.
Dispute Dash
What is Mastercom Collaboration?
Mastercom is Mastercard’s comprehensive dispute resolution platform, offering merchants the chance to address disputes proactively, preventing them from escalating into formal chargebacks.
Pay By Card facilitates integration with the Mastercard Mastercom Collaboration ecosystem, enhancing functionality and enabling improved information sharing capabilities among acquirers.
What is the process for Mastercom Collaboration?
1. Customer files a dispute with their issuing bank.
2. Instead of starting a chargeback, issuers must submit a collaboration request to Mastercard to resolve the dispute and prevent initial chargebacks.
3. Acquirers locate these requests in the appropriate queue within Mastercom and respond, facilitating information exchange throughout the dispute cycle.
4. Acquirers must act and respond to collaboration requests within 72 hours before they are automatically converted into chargebacks.
Hence, effective communication and a robust decision-making framework between acquirers and merchants are crucial. Pay By Card offers a plug-and-play chargeback management communication platform to address this need. Our Dispute tools are designed to streamline and facilitate communication throughout the dispute resolution process, with automated workflows for efficiency.
Our Vision
Experience the future of payments with our virtual cards.
At Pay By Card, we believe that the future of payments lies in virtual cards. That’s why we are committed to providing our customers with the most advanced and secure virtual card solutions on the market.
Our vision is to revolutionize the way people and businesses manage their financial transactions by providing the most secure, convenient, flexible, and innovative virtual card solutions on the market, becoming the global leader in virtual card payment technology.
Our virtual cards offer all the benefits of traditional physical cards, such as the ability to make online purchases, but with added security and convenience. Every virtual card we issue is unique, with its own card number, expiration date, and security code, so you can shop online with confidence, knowing that your card details are protected from fraud.
TESTIMONIALS
Experience the difference with Pay By Card virtual cards – our customers speak for us
Easy To Use
I've been a long-time user of physical credit cards, but PayByCard's virtual cards have really changed the game for me. The ability to control my spending and monitor transactions in real-time has been incredibly helpful. Plus, the added security features give me the confidence to make purchases online without worrying about fraud.
Convenient
As a small business owner, I was looking for a secure and convenient way to manage my expenses. The virtual card solution provided by Pay By Card has exceeded my expectations. It's easy to use, and I can monitor all my transactions in real-time. I highly recommend it to any small business looking to streamline their expenses.
Impressive
I've been using PayByCard's virtual cards for a few months now and I am so impressed. The process of creating and managing cards is so easy, and I love being able to monitor my transactions in real-time. Plus, the added security of unique card numbers for each purchase gives me peace of mind when shopping online.
Simply The Best
As a small business owner, I don't have a lot of time to spend managing my finances. With PayByCard's virtual card platform, I can easily set spending limits and monitor my transactions, saving me both time and money. The added security of virtual cards is a bonus!
FAQ’s
Get the answers you need with PayByCard’s virtual card FAQs.
What is a virtual card?
A virtual card is a digital version of a traditional credit or debit card that can be used for online purchases. It typically has the same features as a physical card, including a card number, expiration date, and security code, but it is accessed and managed through a mobile app or website.
How do virtual cards improve security?
Virtual cards generate unique card numbers for each transaction, so even if a hacker intercepts a card number, it will not be usable for future transactions. Additionally, virtual card companies often have advanced security features such as encryption and tokenization to protect the card information.
Will I be notified of transactions made on my virtual card?
Yes, Pay By Card will offer push notifications which update you in real time with the transaction details and spend.
How do I get a virtual card?
You can sign up for a virtual card through our website or mobile app. Once you have completed the sign-up process, we will contact you and you will be able to create and manage your virtual cards.
How do I use my virtual card?
You can use your virtual card to make purchases online or in-store by providing the card number, expiration date, and security code. You can also use it to set up recurring payments.
Can I use my virtual card internationally?
Yes, you can use your virtual card internationally as long as it is accepted by the merchant.
