Virtual Card Spend = Smarter Business Wins in 2025

Managing Expenses Still Feels Like a Full-Time Job

Let’s face it—keeping track of company spending shouldn’t feel like putting out fires every week. But for many teams still using physical cards, endless email approvals, and clunky spreadsheets, it’s chaos from start to finish. That’s why more companies are making the switch to a smarter solution: the virtual card.

It’s not just about going digital. A virtual card—especially one backed by OnlineCheckWriter.com – Powered by Zil Money—lets you automate payments, control how money is spent, and track every dollar without the manual mess.

Here’s where the problems start—and how the right solution fixes them.

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Problem #1: Manual Processes = Wasted Time and Money

Invoices arrive. Someone keys them into a spreadsheet. They bounce between inboxes waiting for approval. Days go by, and maybe—just maybe—they get paid.

This outdated system is slow, error-prone, and expensive. According to Gartner, manually processing an invoice costs between $12 and $40 With automation—like a virtual card setup—the cost drops to $3 or less.

Errors pile up, too. Forrester found that 3.6% of manual invoices contain mistakes, from duplicate payments to incorrect data entry. That adds up fast.

The Fix: Replace Spreadsheets with Smart Virtual Cards

With OnlineCheckWriter.com – Powered by Zil Money, issuing a virtual card takes seconds. You can link it to a vendor, project, or team, assign limits, and even have it expire after one use.

That means no more manual data entry. No lost receipts. No approval delays. Just clean, traceable payments from start to finish.

Problem #2: Lack of Control = Revenue Slipping Away

Ever found mystery charges on your company card? A tool no one remembers signing up for? A team lunch you didn’t approve?

It happens because physical cards get passed around, controls are weak, and no one has a full view of what’s happening.

It’s also expensive. Businesses without spend controls lose an average of 1.5% of revenue each year to fraud, unauthorized purchases, and billing errors.

The Fix: Pre-Set the Rules Before the Card Is Used

With virtual cards from OnlineCheckWriter.com – Powered by Zil Money, you define the rules upfront—how much, who, where, and when.

Cards can be restricted to specific merchants, dollar limits, and even days of the week. Suspicious activity? Lock or cancel the card instantly. No waiting. No questions.

That’s why 70% of U.S. businesses now use virtual cards in 2025—up from 55% just three years ago. Even more impressive? 52% of all commercial card spend in the U.S. now goes through virtual cards.

What You Get with OnlineCheckWriter.com – Powered by Zil Money

Here’s what makes this virtual card platform the go-to choice:

• Instant Card Creation – Issue cards in seconds.

• Single-Use Cards – Auto-expire after one transaction.

• One-Click Control – Lock or cancel instantly.

• Custom Rules – Set limits by merchant, country, or time.

• Team Expense Controls – Assign cards by person or department.

• Multi-Location Flexibility – Manage spend across vendors and offices.

• Simple API  Integration – Automate from within your own systems.

• Top-Tier Security – SOC 1, SOC 2, PCI DSS, and ISO 27001 certified.

Frequently Asked Questions