Pay Vendors and Suppliers by Card
Issue a virtual card per supplier and pay invoices wherever Visa is accepted. Set the limit to the invoice amount and the card cannot be charged for a dollar more than you approved.
Virtual card payments to suppliers, with a limit on every card
Give each vendor its own virtual Visa card with a spending limit, an expiry date and a merchant category lock. Pay purchase orders, freight and parts by card, see every payment in real time, and earn cashback.
Built for high-volume spend
- cards issued
- 640,000+
- payments processed
- 9M+
- settled payment volume
- $240M+
Elibrium platform data, September 2026.
A P-card Program Without Bank Paperwork
Give buyers and plant managers purchasing cards with a limit and merchant category controls. Cards are issued in seconds, so a new buyer can place orders the same day they start.
Every Supplier Payment in Real Time
See each card charge the moment it posts, tagged to the supplier. Freeze a card when a contract ends and reissue it in seconds when the next purchase order is approved.
Cashback on inventory, freight and parts
Spend that used to leave by check earns up to 1.5% cashback on a card, depending on volume. No fees on domestic payments, and funding by ACH or wire is free.
Spend controls built for wholesale and manufacturing
Limits per supplier, per purchase order and per month, merchant category locks and freeze in seconds. Made for businesses that pay dozens of vendors every week.
A Card for Every Supplier
One virtual card per vendor keeps each relationship separate. If a supplier's systems are breached, only that card is reissued.
Limits per Card and per Order
Set a limit equal to the invoice, or a monthly cap per vendor. Charges above the limit are declined automatically.
Virtual Cards in Your AP Workflow
Create cards and pull payment data through the REST API. Sync card payments to accounting without re-keying a single invoice.
Merchant Category Locks
Lock a buyer's card to the merchant categories they need, so a fuel or parts card is never used for anything else.
Pay overseas suppliers with the same cards
Cards work wherever Visa is accepted, at home and abroad. International payments carry a fee of 1% + $0.30 per transaction. Domestic payments carry none.
Customer results
19,000+ cards and $16.7M+ in settled spend for two clients, each in a single quarter.
16,000+ ad campaigns launched in 3 months, one card each. $13.4M+ settled.
"Every campaign gets its own card - we launched over 16,000 in a single quarter. Each media buyer controls their own spend, and we see every dollar in one place instead of chasing statements at month-end."
Reconciliation: from a week to minutes. 3,600+ cards, $3.3M+ settled.
"Reimbursing a distributed team used to mean receipts, spreadsheets and a full week of reconciliation. Now everyone gets a card with the right limit, and reconciliation takes minutes."
E-commerce
Virtual Visa cards for online stores: ads, suppliers and app subscriptions on separate cards with their own limits.
Dropshipping
A separate Visa card for every supplier, store and ad account, with limits, real-time visibility and cashback.
Transport & Logistics
Cards for trucking and logistics companies: a card per driver, limits by route, every road expense visible in real time.
Mobile app
Elibrium mobile app
Check balances, adjust limits and freeze cards from your phone.
API
Issue cards from your own system
Create a card for each campaign, offer or client the moment you launch it. Built for ad-tech platforms and teams processing thousands of payments a day.
POST /v1/cards
Authorization: Bearer <api_key>
Content-Type: application/json
{
"name": "Meta Ads - Q4",
"limit": 5000,
"currency": "USD"
}Every vendor card on one screen
Limits, balances and live transactions for every supplier card in one view. Approve a new card, raise a limit or freeze one in seconds.
Questions media buyers ask us
Still have questions?
A B2B virtual card payment is a payment from one business to another made with a card number that exists only digitally. The paying company creates the card, sets a limit and an expiry date, and gives the number to the supplier, who charges it like any Visa card. The buyer keeps control of how much can be charged and sees the transaction the moment it posts.
You issue a virtual Visa card in the Elibrium dashboard or through the API, set the limit to the invoice or to a monthly cap, and pay the supplier online, by phone or through their portal. The charge appears in real time, tagged to that supplier's card. When the order is complete you can freeze the card, or leave it open for recurring purchases.
Elibrium cards work wherever Visa is accepted, which covers most distributors, parts suppliers, freight brokers and online industrial marketplaces. Some suppliers add a surcharge for card payments, so compare it with the cashback you earn. For vendors that only take bank transfers, keep your existing process and move the rest of your supplier spend onto cards.
Yes. A p-card program is a set of cards with limits and merchant rules, issued to the people who buy on behalf of the company. Elibrium lets you do that without a bank application: issue a card to each buyer or plant manager, set a limit and merchant categories, and monitor every purchase in real time. Cards are issued to employees and team members with permissions you assign.
There are no platform fees on domestic card payments, and funding by ACH or wire is free. International payments, where the supplier or its bank is outside the US, carry a fee of 1% + $0.30 per transaction. Card issuing is free within your allocated quota; extra cards cost $2 to issue and $2 per month while active. See the pricing page for the full schedule.