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Virtual Cards

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One-Time Use Virtual Credit Cards

A one-time use virtual credit card is a temporary credit card number that can be used for online transactions. It is designed to provide an extra layer of security and protect against fraud. Once the virtual credit card is used for a transaction, the number becomes invalid and cannot be used again, hence the name "one-time use".

Multi-Use Virtual Credit Cards

Multi-Use cards are typically used for online purchases, where the buyer needs to provide a credit card number as a lodged payment method. Features that allow for finite control over spending and usage limits within set time frames, which can make it easier to manage your spending and prevent unauthorized charges. Ability to temporarily deactivate the card, which can be useful if you suspect that your card has been lost or stolen.

Dynamic BIN Allocation

Guaranteed continuity of business

No more blocked Bins w/ Dynamic Bin selection for both Mastercard and VISA

Dynamic BIN Allocation allows for the assignment of a unique Bank Identification Number (BIN) from a rotation of 70 BINs to each virtual credit card. The BIN, the initial six digits of a card number, identifies the issuing bank and card type. This method not only boosts security by thwarting automated fraud attempts that rely on known BIN ranges but also enhances transaction reliability. By ensuring each card has a unique BIN, transactions are less likely to be declined.

Comprehensive payments solution

Advanced Wallet Management

A payments solution that puts you in the driver’s seat. API driven technology delivered how you want.

Leverage the power of wallets to manage your expenses effectively, assigning every card to a specific wallet to enable granular control and limit access to funds for various teams. Create sub-wallets to achieve even greater group control, while using budget allocation wallets to assign distinct amounts to individual cards without relying on a centralized fund pool. When a wallet is removed, you can easily mass-deactivate cards or reassign them to a parent wallet, ensuring optimal flexibility and streamlining the expense management process.

Why Penny?

Unlimited Virtual Credit Cards

Get unlimited virtual cards so you can manage each payment with total control, visibility, and insights for any payment type, anywhere you go.

Dynamic BIN Allocation

Robust decisioning engine that can systematically determine what cards should be accepted and what VCCs should be issued in order to maximize acceptance

On-Demand Funding

Authorize and fund transactions in real time, optimizing for cash flow and spend control.

3D Secure

3D Secure provides an extra layer of protection for your business and customers for their online purchases. 3D Secure deters unauthorized card use and helps you to reduce fraudulent activity and chargebacks.


Our adaptable open APIs and immediate web-hooks, combined with our physical and virtual card options, empower you to interact with customers and compensate vendors and employees through inventive payment solutions.

Fast Reconciliation

Insert custom metadata into transaction records to accelerate data matching