Online Check Writer

Virtual Card API

Take Control of Your Spending Limits with Virtual Card API

Virtual Card API offers a sophisticated solution to generate unique virtual cards for your customers seamlessly. This state-of-the-art feature enables you to generate multiple cards for the same account, giving you flexibility and control over how your customers interact with your services. The API also grants you the authority to define the spending limits on these cards, ensuring safety and preventing overspending.

Moreover, if the need arises, you can cancel the card, providing an extra layer of security. This robust functionality from is geared towards empowering businesses to offer their customers innovative and secure virtual payment options. powered by Zil Money is a financial technology company, not a bank or an FDIC member. offers banking services through partnership with FDIC member banks Silicon Valley Bank, Texas National Bank, and East-West Bank.

Generate Multiple Cards

Set Transaction Limits

Prevent Overspending

Effortless and Secure Transactions

The virtual card API provided by the Cloud Bank of are the perfect solution for securely and safely conducting online payments. Functioning similarly to a physical card without the necessity of a tangible counterpart, these virtual cards significantly reduce the risk of fraud due to their non-physical nature. Whether on your phone or smartwatch, your virtual card is always with you, ready for use at your convenience. Plus, the ability to temporarily lock your card via a mobile app offers an added layer of control over your transactions, ensuring a banking experience that is as simple as it is safe.

Effortless and Secure Transactions
Multiple Cards

Multiple Cards

You can get multiple virtual cards using the virtual card API for your business on a single account. You can issue these cards to your multiple employees with spending limitations. It helps you to keep a firm hold on your budget when making business payments. Also, it will help the team members know exactly how much money is available.

Issuing multiple cards to specific team members will also help you reconcile expenses made by each member easily. Identifying the right team member to ask for receipts for given transactions is easy, saving much time.

Easy To Access

Instant access to your account anywhere, anytime.

High Security

Secured with Encryption, Fraud Detection, and Infrastructure.

Easy Payment

Efficiently transfer funds to where they're needed.

Integration with Banks and Accounting Software seamlessly integrates with over 22,000 banks and financial institutions across the United States and Canada, establishing a comprehensive network to combat fraudulent checks effectively. By connecting with nearly every bank in the USA, the platform provides an added layer of security to safeguard against fraudulent activities. Furthermore, the platform consolidates all your bank accounts and financial institutions into a single centralized location, simplifying the process of reconciling checks and deposits with their respective banks.

Additionally, offers seamless integration with popular accounting software such as QuickBooks, Gusto, and Zoho. This integration empowers you to import and print checks directly within these accounting platforms. Whether you send eChecks or physical checks via mail, provides the necessary tools to streamline the process, enhancing convenience and efficiency in managing your financial transactions.

Integration with Banks and Accounting Software







Cross Platform Support

Cross Platform Support

Experience the versatility of our application across your preferred platforms. Install the mobile application on your devices and enjoy its features from any location. With a user-friendly interface, this platform efficiently handles all your financial matters, conveniently consolidating them under one roof on your smart devices.


How to create virtual card?

You can create multiple cards using the virtual card API. Sign up on's cloud bank cloud account, go to cloud bank, select Bank account, and click Manage Cards. Then click New Card, and select Virtual Card. Provide the cardholder's name, transaction limit, billing address, and mailing address, then click Submit. You get it immediately after you apply for it. Start using your it for online payment using contactless technology.

Can you use virtual card in store?

Yes, you can use a virtual card to make contactless online in-store payments.'s cloud bank lets you apply for multiple virtual debit cards for your business on a single account. You can issue these cards to your employees with spending limitations.

Virtual Card vs Physical Cards

Customers and companies use virtual cards for online purchases, subscription management, and one-time purchases. They have all the properties of a physical card, including 16-digit numbers, a CVC, and a Pin Code. At the same time, physical debit cards are regular plastic cards primarily used for in-person payments. A Virtual debit card is more secure and protects your account from data breaches and fraud.

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Trial period comes with full features: unlimited checks, bank accounts, users/ employees, etc.