Meet virtual cards, your new best friend

Caary’s virtual credit cards have all the benefits of your physical credit card, but without the plastic. They have a unique 16-digit card number, security code and expiry date and are linked to your Caary account.

Why virtual cards?

Empower employees

Issue virtual credit cards for your team in seconds and manage last-minute spend requests.

Manage subscriptions and supplier payments

Set spend limits for recurring subscriptions and supplier payments to keep those surprise cost increases under control.

Add to mobile wallet

Add your virtual cards to your mobile wallet for easy, on-the-go transactions.

Greater security and fraud protection

Instantly lock or cancel virtual cards to help keep your account safe.

How it works

Issue employee
cards instantly

Step 1 Input the spend limit and employee’s email address. Assign the card to a category or team.

Step 2 Employee will receive an email to download the app and start using their card.

Step 3 Spend limits can be changed or revoked at any time.

Step 4 Spend details can be synced with QuickBooks or Xero, with more accounting integrations to come.

How it works

Issue dedicated
supplier cards

Step 1 Create a virtual card for a supplier or group of suppliers.

Step 2 Set daily, weekly, monthly or annual spend limits.

Step 3 Provide card details to suppliers.

Step 4 Spend details can be synced with QuickBooks or Xero, with more accounting integrations to come.

Card FAQs

What is the difference between virtual and physical cards?

A virtual card is ready to be used as soon as it’s issued. You can find the card details in your Caary mobile app – no plastic needed! Virtual cards are ideal for online and recurring transactions (e.g., a dedicated virtual card for subscriptions or supplier payments).

A physical card will arrive at your address in 7-10 business days. Physical cards can be used at any of the millions of merchants across 200+ countries where Mastercard is accepted.

Both card types can be added to your mobile wallet for easy, on-the-go transactions.

Can I add my Caary card to my digital wallet?

Yes, you can add your virtual and physical cards to your Apple Pay or Google Pay wallet for easy, on-the-go transactions!

How can I control spend on my Caary card?

You can add daily, weekly, monthly or yearly spend limits to your virtual and physical Caary cards. This is a great way to control spend by supplier, employee, project, etc. Spend limits can be easily added or adjusted from Caary’s self-serve admin portal. You can also lock, unlock or cancel a card at any time.


Need more info?


Visit our FAQs page for frequently asked
questions and more information.


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