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Virtual card solutions

Mastercard In Control® simplifies B2B payments

Generate dynamic virtual card numbers (VCNs) with advanced safeguards for improved security, convenience and control

#1

Mastercard ranked #1 in the virtual cards market, surpassing 16 companies*

 

An industry-leading virtual card solution

Advanced end-to-end spend controls can protect issuers and their clients.

Clearing-stage protections

Most providers stop at authorization. In Control adds clearing controls to reduce the risk of chargebacks and exceptions.

Robust controls

Includes basic controls like time and amount, plus advanced rules like velocity, aging and merchant-specific limits to run in parallel.

Enhanced security

Hide real account numbers and block non-compliant transactions to reduce fraud.

VCN lifecycle intelligence

Enable real-time status updates and approvals to support smarter spend management.

Increased convenience

Generate VCNs instantly within existing enterprise business software – no physical cards required.

Embedded solutions

Connect seamlessly to third-party travel, procurement, and ERP platforms with no integration needed.

Streamlined reconciliation

Capture up to 99 custom invoice fields per transaction for faster, more accurate reconciliation.

Global acceptance

Enjoy Mastercard’s worldwide acceptance with multi-currency processing and seamless cross-border payments.

Virtual cards unlock efficiencies for stakeholders

Boost buyer working capital and supplier cash flow

Buyers can pay suppliers quickly while extending working capital, with VCN controls improving predictability and precision.

Improve operational efficiency

Controls at both authorization and clearing help reduce the risk of chargebacks and exceptions, and streamline reconciliation.

Strengthen supplier + issuer trust

Consistent limits, no over‑posting, and cleaner settlements help reduce disputes and improve commercial relationships.

Advance sustainability

In Control VCNs digitize supplier payments to cut paper and plastic use, lowering waste and carbon impact across the supply chain.¹

Accounts payable solutions

Explore our payable solutions

Reduce costs, achieve greater control and manage B2B payments more efficiently.

Purchasing cards

Reduce payment processing expenses, control employee spending and optimize accounts payable.

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Money transfer solutions

Empower your customers to make global business payments with speed and transparency.

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Embedded finance

Integrate virtual card technology and other B2B payment services into platforms you already use.

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Featured Resources

Leverage our virtual card platform to simplify B2B payments

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*Juniper Research, Global Virtual Card Market 2025–2029 – Competitor Leaderboard, March 2025. 

[1] Mastercard In Control for Commercial Payments has been awarded “EE” rating from Standard Ethics for strong compliance with international frameworks relating to the most relevant ESG principles.

Virtual card solutions