Use cases

Advertising

When running ads on platforms such as Google, Meta, or TikTok, businesses often need to separate budgets by ad account, team, or project and track spend across different channels.

Business virtual cards are suitable for:

• Assigning a separate card to each ad account or campaign project
• Mapping channel spend to internal budgets
• Reconciling platform spend with actual card transactions
• Creating and using cards quickly when testing, scaling, or switching accounts

Ecommerce procurement

In cross-border ecommerce procurement, marketplace purchasing, or independent-store operations, businesses often need to separate procurement spend from other business expenses and improve payment efficiency.

Business virtual cards are suitable for:

• Binding cards and completing online procurement payments
• Splitting procurement spend by business line, store, or project
• Controlling single-transaction or periodic procurement amounts through limits and rules
• Reducing reconciliation complexity caused by multiple teams sharing the same payment tool

Travel booking

When businesses book through OTAs, airline websites, or hotel websites, they usually want centralized company payment instead of employee prepayment and later reimbursement.

Business virtual cards are suitable for:

• Splitting cards by employee, travel task, or itinerary
• Including booking spend in centralized budget management
• Using transaction records and merchant information to support later reconciliation

Logistics and warehousing

When businesses pay international logistics providers, overseas warehouses, or last-mile service providers, they often need to map costs to orders, routes, or warehouse dimensions.

Business virtual cards are suitable for:

• Splitting payment tools by route, warehouse, or project
• Aggregating logistics spend under the corresponding business unit
• Reconciling against suppliers, contracts, or business dimensions

Supplier payments

For supplier payments, service fees, or project payments that can be paid online, businesses usually need a clear payment path and easier internal approval and post-payment review.

Business virtual cards are suitable for:

• Assigning separate cards by supplier or contract
• Keeping payment records for later responsibility tracking
• Mapping payment records to contracts, invoices, or acceptance records

Platform service and technology fees

When paying platform service fees, technology service fees, or developer platform costs, businesses often need to separate these expenses from marketing, R&D, and operations budgets.

Business virtual cards are suitable for:

• Splitting expenses by department or product line
• Keeping a clear expense ownership record
• Supporting internal accounting and cost allocation

SaaS subscriptions and AI tools

When businesses subscribe to SaaS software, collaboration tools, design tools, cloud services, or AI tools, charges are often monthly, annual, or usage-based. These expenses are usually spread across teams and projects, which can create challenges in permission management, budget ownership, and renewal reconciliation.

Business virtual cards are suitable for:

• Assigning a separate card to each SaaS account, AI tool account, or subscription plan
• Mapping subscription costs to a specific team, project, or use case
• Identifying auto-renewals, trial conversions, and billing charges
• Managing monthly fees, annual fees, and usage-based fees across many subscriptions

This is especially useful for:

• AI writing, image generation, data analysis, and speech transcription subscriptions
• Design, collaboration, R&D, and project management SaaS
• Online services that charge by seat or usage

General business expenses

For daily online business expenses and ad hoc procurement, businesses usually want to reduce reliance on personal cards and bring expenses into a unified company management process.

Business virtual cards are suitable for:

• Handling common online business spending
• Keeping complete transaction records for lookup and reconciliation
• Using limits or rules to control abnormal spending

Usage recommendations

Common approaches include:

Notes

Different card products may vary by card network, issuing region, fee structure, and supported scope. When choosing a product, consider:

• Main business use cases
• The region of the payment platform
• Merchant acceptance of the card network
• Budget splitting and expense management requirements