Virtual Cards  Mobile App

Launch virtual cards instantly from your mobile device for employees, vendors, and business expenses. Set custom spending limits and track all transactions in real-time with our mobile app.

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OnlineCheckWriter.com- Powered by Zil Money is a financial technology company, not a bank. OnlineCheckWriter.com offers banking services through partnership with FDIC member banks Texas National Bank. Customers are not directly insured by the FDIC – but through the pass-through coverage of our partner banks and is conditional on proper titling, record-keeping, and custodial arrangements.

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Issue Visa Cards Instantly from Your Phone

Transform how your business handles expenses with our powerful mobile app. Create virtual or physical Visa cards in seconds, push them to Apple Pay or Google Pay, and maintain complete control over every transaction.

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Fast Card Issuance

Create virtual Visa cards for contractors, employees, or subscriptions directly from your funded wallet. Need something physical? We’ll print and ship cards within days.

Mobile Wallet Integration

Push your virtual cards instantly to Apple Pay or Google Pay for contactless payments. Enjoy enhanced security through tokenization and biometric authentication.

Complete Mobile Dashboard

Issue traditional business expense cards or reloadable gift cards – all managed from the same intuitive mobile interface with real-time oversight.

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Manage Cards Anywhere with Our Mobile App

Granular Spend Controls That Actually Work

Set budgets, time restrictions, and transaction limits before cards are ever used. Your employees can spend confidently while staying within policy – because you control spending before it happens.

Smart Spending Rules

Configure spending rules based on amount, time, day, merchant category, specific merchants, geolocation, and custom approval limits – all from your mobile device.

Vendor-Specific Controls

Create vendor-specific cards with preset limits and auto-expiration. Assign cards to single vendors or block specific merchants and categories entirely.

Location and Time Intelligence

Limit card usage to specific countries, states, or cities. Restrict purchases to certain hours or days – perfect for contractor cards or employee lunch allowances.

Unique Card Numbers, Ultimate Security

Each virtual card gets its own 16-digit number and can be created, frozen, or deleted instantly. Unique numbers per merchant mean you can limit charges and freeze individual cards without affecting others.

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Instant card creation with multiple types available for different business needs

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Immediate freeze, unfreeze, or replacement capabilities with one-tap mobile controls

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Individual card management without disrupting your entire payment ecosystem

Complete Control Over Your Virtual Cards

How It Works

Get Your Team Spending Smartly in Three Steps

Download our mobile app and connect your funded Zil wallet. No complex setup or lengthy approval processes required.

Issue virtual or physical Visa cards with custom limits, restrictions, and expiration dates. Set rules before cards are activated.

Your team starts spending within policy while you track everything in real-time. Automated receipt capture keeps records complete.

AI-Powered Receipt Capture and Insights

After every purchase, employees receive automated SMS or app notifications prompting receipt uploads. Our AI handles the rest, creating detailed expense reports automatically.

Smart Receipt Processing

Upload receipts via mobile camera and watch our AI extract vendor details, amounts, and categories automatically – no manual data entry required.

Intelligent Transaction Analysis

Our AI categorizes and itemizes transactions, creating comprehensive purchase reports based on extracted receipt data and spending patterns.

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Automated Compliance Reporting

Generate detailed reports filtered by vendor, category, item, or user. Per-transaction limits and approval flows keep finance teams in complete control.

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Real-Time Mobile Analytics

Track spending as it happens with mobile-optimized dashboards. Set up alerts and notifications for limit breaches or unusual activity.

Trusted by Modern Businesses Worldwide

Join thousands of companies using the Virtual Card mobile app to eliminate manual reimbursements, reduce fraud, and keep everyone on budget.

1M+

Users

$25B+

Mobile Transactions Processed

5M+

Virtual Cards Created on Mobile

Ready to Put Smart Spending in Your Pocket?

Download Virtual Cards mobile app and give your team the spending power they need with the controls you require.

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Frequently Asked Questions

Download Virtual Cards mobile app and give your team the spending power they need with the controls you require.

A virtual card is a unique, randomly generated 16-digit card number that is linked to your OnlineCheckWriter account. It exists only in a digital format and is designed for secure online and in-person payments without exposing your actual bank account or physical card details. You can create and manage these cards instantly through the Virtual Cards mobile app.
The primary benefits include enhanced security, complete spending control, and streamlined expense management. You can instantly issue cards to employees and vendors, set precise spending limits, track all transactions in real-time, and automate expense reporting with our AI-powered receipt capture, all from your mobile device.
Yes. You can add your OnlineCheckWriter virtual cards to your mobile wallet (Apple Pay or Google Pay) for secure, contactless payments at physical stores and businesses that accept them.
Simply download the Virtual Cards app from the Apple App Store or Google Play Store, sign in to your account, and navigate to the homepage. From there, you can begin creating and managing cards instantly.