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.


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
  • 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.


The future of safe and secure shopping.

Employee Expenses

Businesses can provide virtual cards to employees for business expenses, such as travel and entertainment, and set limits and controls to ensure compliance with company policies.


Pay By Card allows the customization of card design in order to increase customer awareness and retention.


Pay By Card virtual cards offer online businesses secure payments to vendors, avoiding traditional corporate card risks.


Pay By Card can be used for travel expenses, such as booking flights and hotels, rental cars, and other travel-related expenses.

Subscription services

Pay By Card can be used to set up and manage recurring payments for subscription services, such as software-as-a-service (SaaS) and streaming services.

Event management

Pay By Card can be used for event-related expenses, such as booking venues, hiring entertainment, and purchasing decorations.

Affiliate marketing

Pay By Card can be used to make payments to affiliate marketers, ensuring that payments are secure and compliant with the terms of the affiliate agreement.

Virtual team

Pay By Card can be used by remote teams to make expenses, they can be shared among team members, with flexible controls and monitoring capabilities to ensure compliance with company policies.


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 Verifi 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.


Experience the difference with Pay By Card virtual cards – our customers speak for us


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.

Online & E-Commerce payments

Unlock a world of payment possibilities for your business with our comprehensive platform and strategic partnerships. Seamlessly accept credit and debit cards alongside a variety of alternative payment methods, all within our intuitive interface. Our extensive network of partnerships ensures you can offer your customers the flexibility they demand while streamlining your payment processing operations.