Virtual Cards
Virtual Cards
Issue tokenised digital card credentials instantly via API — for B2B payments, travel and expense management, eCommerce, subscription billing, and corporate spend control. Virtual cards carry all the security of a physical card without the production cost, and can be single-use or multi-use with configurable spend limits.
Architecture Overview
Virtual Card Issuance & Tokenisation
Click to expand. The diagram shows virtual card use cases, tokenisation flow, and lifecycle management — from instant API issuance through to spend controls and cancellation.
Platform Capabilities
What the Platform Delivers
Key Features
Built for APAC Requirements
API-First Issuance
Issue a virtual card in milliseconds via a single API call — no physical production, no postal delay. Integrate directly into your ERP, expense platform, or travel management system.
Granular Spend Controls
Set precise controls on each virtual card — maximum transaction amount, merchant category codes, valid date range, and number of uses — enforced in real time at authorisation.
Tokenisation Ready
Virtual cards are issued as EMV Payment Tokens, enabling provisioning to Apple Pay, Google Pay, and other digital wallets without exposing the underlying PAN.
B2B Payment Automation
Automate supplier payments by issuing a unique virtual card per invoice or purchase order — eliminating manual payment processes and providing full spend visibility.
Typical Use Cases
Who Uses This Platform
- Corporate finance teams automating supplier and vendor payments
- Travel management companies issuing per-trip payment cards
- eCommerce platforms providing secure checkout credentials
- Subscription businesses managing recurring billing cards
- Banks and fintechs offering digital-first card products
Get Started
Ready to Implement?
Proximo's specialists will scope the implementation, manage the vendor relationship, and deliver a production-ready system — configured for your APAC market.
Discuss Virtual Cards