Virtual Cards made for every Filipino business.

A virtual card is a card that exists only in digital form. It has a card number, expiry date, and CVV, but no plastic. You use it for online payments, subscriptions, and ads the same way you'd use a physical card. With PayMongo, you can issue one in minutes and spend directly from your PayMongo Wallet balance.

No. It's a prepaid business card funded by your PayMongo Wallet balance, so you're spending money you already have. That means no credit check, no interest charges, and no monthly bill, but also no borrowing. If your team overspends, the card simply declines instead of putting you in debt.

Anywhere Mastercard is accepted online, in the Philippines and abroad. Purchases in foreign currencies are converted to pesos with a 3% foreign exchange markup. That covers software subscriptions, cloud services, Meta and Google Ads, supplier portals, and international vendors that won't accept local bank transfers.

Set a spending limit on each card before you issue it, and adjust or freeze it any time from your dashboard. Every transaction appears in real time and is categorized automatically, so you can see exactly where money went without chasing receipts. Issue a separate card per person, project, or vendor to keep spending clean.

No credit check and no corporate card facility required. However, you need a verified PayMongo business account and funds in your PayMongo Wallet. Cards can be issued in under five minutes, versus the weeks a traditional bank corporate card application takes.

Yes. The card runs on PCI-DSS 4.0 and SOC 2 Type 2 certified infrastructure with enterprise-grade fraud monitoring on every transaction. An OTP is also required for each transaction for safety and verification. And because each card is separate and limit-capped, a compromised card number exposes only that card's balance, not your whole business account. You can freeze or delete any card instantly.