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Virtual Card Payment Solutions

Unlock the strategic value in electronic payments with a virtual card solution.

Benefits For Your Business

Enhanced Security

Limit your company’s exposure to fraud by decreasing check volume with virtual card and customizable controls.

Optimize Efficiency

Leverage payment automation to streamline payables and increase working capital.

Supplier Enablement

Let us do the work for you! We will contact suppliers you choose to capture payment instructions for virtual card programs.

In-House Capabilities

From implementation to ongoing account management and customer service, all facets of your card program are run by the dedicated team at FNBO.

The average organization with 575 monthly virtual card transactions saves between $1,725 and $14,375 each month in transaction-related costs.1

Virtual Card FAQ

A virtual card is a digital commercial card that can be used for business purchases. When using a virtual card, a one-time use credit card account number can be easily generated and sent to suppliers electronically for payment. Virtual cards reduce fraud risk and streamline the accounts payable process.

Virtual cards have the flexibility to be used for one off payments or automated payments using batch files, depending on your business' needs.

When using our virtual card solution, you can use either one-time use or reusable card numbers with extensive controls.

Using checks for payments not only makes your business more susceptible to fraud but it is also more expensive. In addition to the labor costs of operating check runs, when using checks your business is also paying for materials and postage—not to mention potential mail delays that may slow down your payments.

Using FNBO's virtual card solution can help shorten your business' cash conversion cycle and optimize cash flow. By taking advantage of the payment terms related to a card program, you are able to extend your Days Payable Outstanding and hold onto cash longer.

To see if a virtual card solution is right for you, our team will review your organization’s AP spend with you to see how a virtual card may help your business. Contact our team to get started.

1 Source: 2022 RPMG Virtual Card Benchmark Survey