**Products**

 ##### **Notification for non-Swiss users** You are about to enter the Bivial AG website and it looks like your IP address is located outside of Switzerland. Please read the regulatory information below if you are not located in Switzerland. If you are located in Switzerland, you can proceed by clicking **“Continue”** to access the Bivial AG website. ##### **Regulatory Information** Bivial AG is a deposit-taking institution regulated under the Swiss Federal Banking Act Article Art. 1b. and supervised by the Financial Market Supervisory Authority (FINMA). The products and services on this website are authorised for sale in Switzerland. Unless authorised by the supervisory authority of that country, Bivial AG may not promote its products and services abroad. Clicking **“Continue”** to visit this website from outside Switzerland implies that you have read and understood the above information, and you are doing so on your own initiative without any active promotion or solicitation on the part of Bivial AG. Continue Products Use Cases Pricing Partnerships Company Talk to Us [Login](https://dashboard.bivial.com/) Get Started # Virtual Cards for Business. Unlimited flexibility made possible with all-in-one virtual cards. Empower your global business with Bivial's Virtual business debit card. Instantly issue unlimited virtual cards, monitor transactions in real time, and pay worldwide with Apple Pay, Google Pay, or your preferred digital wallet. Simplify every business payment and enjoy more control, flexibility, and security in your expense management. Get Started  ## What are Virtual Cards? A corporate virtual card is a modern solution for streamlining your business expenses. It is similar to a plastic payment card, but encompasses several unique advantages: ✔️ **Unlimited card issuance in seconds.** There's a single requirement—a linked IBAN account. ✔️ **Hassle-free management.** All payments and information are available through the Bivial Dashboard. ✔️ **Extra-level security.** Virtual cards can be instantly blocked if you suspect fraudulent activity or unauthorised transactions. Get Started  ## Pay Anywhere, Anytime. Convenient Management. Bivial's Virtual Card is designed for modern companies that value transparency. All activity is visible in real time through the Bivial Dashboard or via direct integration with your APIs. Global Coverage. Use your Virtual Visa Card for purchases and payments worldwide. Bivial cards support transactions in multiple currencies. Effortless Contactless Payments. Contactless payments have never been easier—the card can be linked to Apple Pay or Google Pay. Unlimited Card Issuance in Seconds. Instantly issue as many cards as your business needs. Create individual cards for team members or projects, all linked to your EUR or USD IBAN. Monitor spending, freeze or cancel cards within seconds. Add your Bivial virtual card to Apple Wallet and pay in a couple of clicks with your iPhone, iPad, or Apple Watch. This payment system is widely accepted online and in any contactless terminal. Rest assured that your privacy and safety are strictly protected—each transaction is verified using Face ID or Touch ID for increased protection. Your card data stays private—it's neither shared with merchants nor saved on your device. Learn More   Another way to make contactless online payments in-store and online is through the Google Pay system. Protected by encryption and face ID login, it secures your data from fraud and unauthorised transactions. Learn More ## How to Get a Virtual Card? Apply for a Bivial Business Account. Submit your application online by filling out the [form](https://dashboard.bivial.com/signup); no branch visits needed. A quick 2-way video verification will be required to complete onboarding. Log in to your [Bivial Dashboard](https://dashboard.bivial.com/auth/login). Once approved, access your secure Dashboard where you'll manage accounts, payments, and cards. Navigate to the "Cards" tab. Click on "Get Started" to initiate your request. Then proceed to add your details. Issue cards instantly. After setup, you can create and customise virtual debit cards for your business in seconds. They're ready to use with Apple Pay, Google Pay, or online. ## How Bivial Protects Every Transaction. Your security is our top priority. Bivial's virtual cards for business are backed by strict regulatory standards, while sensitive data is protected through encrypted connections and layered authentication. Occasionally, some fraudsters may attempt to trick you into revealing personal information or transferring funds to third-party accounts. Here are some reminders to help you stay safe: ✔️ Keep your card details confidential; do not share them by phone or SMS ✔️ Report suspicious links or messages to [support@bivial.com](mailto:support@bivial.com) ✔️ Only use the official Bivial Dashboard to log in.   ## Integration Capabilities. Bivial's virtual cards integrate effortlessly with existing business systems. Choose the integration method that aligns with your business workflow: ✔️ **REST API.** Instantly create and manage virtual cards, send payment requests, and track all transactions with Bivial's API. Gain fast access to payment infrastructure while minimising manual input. ✔️ **SWIFT Messaging.** Initiate payments using MT or MX ISO 20022 message formats, compatible with international systems. ✔️ **Batch File Upload.** Use the Bivial Dashboard to upload multiple payment instructions in a single file. ## Related Articles.  The Benefits of Google Pay for Bivial Merchants [Read More →](https://www.bivial.com/articles/the-benefits-of-google-pay-for-klarpay-merchants)  What Are the Benefits of Apple Pay? [Read More →](https://www.bivial.com/articles/what-are-the-benefits-of-apple-pay-for-klarpay-merchants)  Payments API: What It Is and How It Works [Read More →](https://www.bivial.com/articles/payments-api-what-it-is-and-how-it-works) ## FAQs. What are virtual cards? Business Virtual Cards have a lot in common with plastic payment cards. With them, you can manage your business expenses, pay for specific services and subscriptions fully online, without having to visit a local branch. The only thing you need for issuing such a card is a linked IBAN account. What tools are available for managing my virtual Visa card? All the tools for managing your virtual Bivial cards and funds are available online through the Bivial Dashboard. Set limits, monitor spending, freeze or cancel cards instantly—everything in a convenient interface. Are there spending limits on my Bivial Business debit card? Yes, you can set customisable high-spend limits for your Bivial card if needed. For more control, you can adjust transaction caps, and apply time-based rules for specific cards or users through the Dashboard. This helps you manage budget control for every employee and project. Where can I use my Bivial Virtual Business card? Our virtual debit card for businesses can be used globally, in any country where V