Frequently asked questions

A virtual card is a randomly generated card number associated with your credit card account. Virtual cards were designed for both security and efficiency. The ability to set limits and spend controls reduces your account's exposure, and if a virtual card is compromised, it doesn't affect your entire credit line. Meanwhile, you can instantly create and distribute virtual cards, removing the need for mailing and managing plastic cards. Learn more here.

Virtual cards were designed for security and they make managing company credit cards more efficient. The ability to create unique cards for each transaction and set limits, reduces your credit card’s exposure risk and prevents wrongful billing. Virtual cards are also a powerful spend management tool that lets you create cards on demand, send them to team members, and capture more data with every transaction. 

With Extend, you can create as many virtual cards as you need from a single line of credit—no more sharing company cards or leaving the same card number on file with all your vendors. With each virtual card you create, you can set spending limits and expiration dates, and even attach custom references to match the general ledger or other internal codes you use to run your business.

By using virtual cards for all your expense needs, you can set robust spend controls, track and categorize transactions, and streamline bookkeeping with automated reconciliation and expense integrations.

To use Extend, you must have an active commercial credit card with one of our participating bank partners. We support customers of American Express, Bank of the West, City National Bank, Pacific Western Bank, Regions Bank, Silicon Valley Bank, and Comdata, with more banks to come. Don’t hesitate to reach out to us (https://www.paywithextend.com/contact) to check if Extend is available with your bank.

Getting started is easy: simply create an Extend user account with your business email. Once logged in, follow the prompts to register your commercial credit card. Please note the card registration processes may vary by issuer. Contact support@paywithextend.com if you need help with registration.

Extend supports corporate or business credit cards of participating bank partners.

You can access Extend online at app.paywithextend.com or download the Apple or Android mobile app for free. You can also integrate Extend's API into your workflows to automate virtual card creation and distribution at scale.

Once you've registered your credit card, you can immediately start creating virtual cards and budgets. With each card, you have the ability to set spending limits, expiration dates, and auto-refill parameters for ongoing purchase needs or recurring subscription costs.

Virtual cards can be used just like any other credit card for online or in-app purchases. Virtual cards can also be loaded into mobile wallets* for use at point-of-sale where contactless payments are accepted.

*Please note, not all of our participating bank partners support mobile wallet acceptance at this time.

Yes! Some of our participating bank partners support mobile wallet acceptance at this time. Please contact us to learn more.

With Extend, you can create as many virtual cards as you need.

Yes, Extend supports integration with Expensify and Quickbooks Online, with more integrations on the way. With some of our participating bank partners, we also offer a downloadable QBO file for quick and easy Extend data imports.

Of course! To send someone a virtual card, all you have to do is input their email address when creating a card. Team members can access and request virtual cards via their Extend user accounts. Want to send cards to contractors or directly to vendors? Send a Guest Access card to individuals without an Extend user account. Team members with their own business credit cards may also register their cards to begin sending virtual cards as needed.

It's free to get started with Extend! Check with your bank to confirm rebates on Extend transactions.

Yes! If you earn rewards through your commercial card program, you will still receive those benefits when using virtual cards. We even offer additional rebates with some participating bank partners.

Extend is PCI compliant. We have robust security measures in place to protect all your card and PII data. We are also SOC2 compliant and use end-to-end encryption (TLS using SHA-256 with RSA Encryption) to ensure the security of your data

Virtual cards were designed for security. A virtual card cannot be used beyond its spending limit or validity date, and it can be deactivated instantly with the push of a button. And for security purposes, we only expose the full virtual card number to the designated recipient, who receives an email with a secure link to their card details. Extend has also developed comprehensive notifications that can alert the account holder any time a virtual card is sent, used, or modified. 

Extend's API offers all the same features and functionality our business customers love, with a flexible integration, so you can create your custom payment solution, or embed virtual card creation and distribution within your existing business processes.

You can integrate our virtual card-issuing API into your workflows, whether it's your ERP, purchase order software, custom solution, or even product. The Extend API enables you to create rules and permissions for your payment needs. For more information, check out our developer docs.

To access Extend’s virtual card API, please contact our customer success team.

At Extend, we want to bring valuable payment solutions to businesses everywhere—your customers included! Contact our partnership team to learn more about working with us.