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Why Virtual Cards?
Physical cards are usually delivered within 5-10 business days until they arrive at your location and can be used. Amnis virtual cards, on the other hand, are activated immediately and can be used right away.
A really big advantage is that the entire ordering process is electronic - no waiting, no shipping delays.
How to Create a Virtual Debit Card
Creating a virtual card takes just a few minutes:
Step 1: Navigate to Debit Cards
From your dashboard, go to Debit Cards and click New Debit Card
Step 2: Select Card Type
Choose between a physical and virtual card. Select the Virtual option and click Create Your Card
Step 3: Confirm Company Details
Confirm your default company
Step 4: Assign User
Select a user for the card and click Continue
Step 5: Set Language
Select a language for the card, then Save and Continue
Step 6: Configure Card Settings
Set up your card preferences:
Card label - Name your card for easy identification
Cash withdrawals - Allow or disallow ATM withdrawals
Online payments - Enable or disable online transactions
Expiry date - Set when the card expires
Spending limits - Define daily/monthly spending caps to manage expenses
Step 7: Review and Confirm
Review your settings and click Order Debit Card
Step 8: Two-Factor Verification
Complete a quick two-factor authentication
That's it! Your virtual debit card is ready for immediate use.
Managing Your Virtual Cards
Under the Debit Cards section, you can:
✓ View all cards - See all your created debit cards in one place
✓ Access card information - View card numbers, CVV, and expiry dates
✓ Activate or deactivate - Turn cards on/off instantly for security
✓ Track expenses - Monitor monthly spending per card
✓ Manage settings - Update limits and permissions anytime
Built-In Expense Management
The best part? Virtual cards come with a simple yet highly efficient expense management system.
How It Works
On the go:
Take a photo of your receipt using the amnis app
Upload directly from your mobile device
Categorize the expense
Assign to the appropriate cost center
In the office: Everything is sent directly to your accountant where it can be processed immediately.
Time Savings
Up to 50% of your accountant's time can be saved with automated expense tracking and receipt management.
Use Cases for Virtual Cards
Virtual debit cards are perfect for:
Employee expenses - Issue cards to team members with spending limits
Department budgets - Create separate cards for different departments
Subscription management - Use dedicated cards for software subscriptions
Project expenses - Track costs per project with individual cards
Travel expenses - Issue temporary cards for business trips
Vendor payments - Create one-time or recurring payment cards
Security - Deactivate instantly if compromised
Key Features
Instant Activation
No waiting for physical delivery
Use immediately after creation
Perfect for urgent payments
Flexible Controls
Set custom spending limits
Enable/disable features per card
Activate or deactivate anytime
Real-Time Tracking
Monitor all transactions instantly
View monthly expenses per card
Export data for accounting
Expense Management Integration
Photograph receipts on mobile
Automatic categorization
Direct sync with accounting software
Frequently Asked Questions
How quickly can I use a virtual card after creating it?
Immediately. Virtual cards are activated instantly and ready to use right away - no waiting period.
What's the difference between virtual and physical cards?
Virtual cards exist only digitally and are ready instantly. Physical cards are tangible plastic cards that take 5-10 business days to be delivered to your location. Both function the same way for payments.
Can I set spending limits on virtual cards?
Yes. You can set daily and monthly spending limits when creating the card, and adjust them anytime afterwards.
Can I use virtual cards for online payments?
Yes. You can enable or disable online payment capability for each virtual card individually.
Can I withdraw cash with a virtual card?
Virtual cards can be configured to allow or disallow ATM cash withdrawals. You control this setting when creating the card.
How many virtual cards can I create?
You can create multiple virtual cards for different users, departments, or purposes. There's no strict limit - create as many as your business needs.
Can I deactivate a card if it's compromised?
Yes. You can instantly activate or deactivate any card from your dashboard for security purposes.
How does the expense management system work?
Using the amnis mobile app, you can photograph receipts, upload them, categorize expenses, and assign cost centers. This data syncs directly with your accountant's system for immediate processing.
Will this really save my accountant time?
Yes. Up to 50% of accounting time can be saved by automating receipt collection, categorization, and expense tracking instead of manual data entry.
Can I see card details like the CVV?
Yes. Click on any card in your Debit Cards section to view the full card number, CVV, and expiry date securely.
Can I change the spending limit after creating the card?
Yes. Card settings including spending limits can be updated at any time from the card management section.
Who can I assign cards to?
You can assign virtual cards to any user within your company account. Each user will have access to their assigned card(s).
Ready to Create Your First Virtual Card?
Log into your amnis dashboard and create a virtual debit card today. It takes just a few minutes and you can start using it immediately.
Fast, low-friction banking for global scale-ups