Controlling operational costs and streamlining administration processes just got a whole lot easier with Virtual Pay, a cardless payment solution at the heart of which is just one single business account. What’s more, your accounts become transaction based, replacing multiple corporate expense, travel and entertainment cards. 

Be in charge of your travel spend
Be in charge of your travel spend

Gain greater control over your business travel spend.

Improve expense management
Improve expense management

Improve expense processing and accounting.

Improve data capture
Improve data capture

Enhance your data capture and spending controls for corporate travel.

Easy to use
Easy to use 

Virtual Pay is easy to use and tailor-made for your business.

  • Features and benefits

    • Integrated solution to access Virtual Card Numbers (VCNs) for travel-related payments from the reservation workflow
    • Transaction-level spending controls for improved security
    • Expanded functionality for all travel bookings
    • Enhanced data capture for easier internal reconciliation and reporting
    • This data includes:
      • Passenger name, ticket number, issuing carrier, total fare, travel dates, city of origin and destination for airline bookings
      • Traveller name, room rate, room grade, incidentals for hotel bookings
      • Traveller name, car grade for car hire
      • Customer reference fields that provide descriptive billing information, e.g. project code, cost centre, employee ID
    • Smart integration options for the Travel Management Company to minimize impact on current reservations process
  • What it costs

    See our rates and fees

  • What you get


    • Enhance your data security, protect your clients from fraud and increase efficiency with virtual card payments

    Download Virtual Pay for Corporate Supplier Hotels FAQs

    Corporate travel expenses:

    • Control your business travel spend and refine your reporting process with virtual card payments

    Travel management companies:

    • Refine your bill-back and invoicing process with faster, safer and more efficient payment methods with Virtual Pay

    Download Virtual Pay for Travel Management Companies FAQs

  • Here's how it works for corporate travel

    Step 1

    Authorised individual or travel agent generates Virtual Credit Number (VCN) for travel itinerary, personalised for each step of the journey.

    Step 2 

    Suppliers (airlines, hotels, car rental agencies) receive VCNs.

    Step 3

    Supplier gets paid when traveller initiates that part of the journey (for example, picks up car).

    Step 4

    Reconciliation is simplified as cash management is enhanced.

  • Here’s how it works for procurement and reconciliation

    Step 1

    Authorised individual logs onto the Virtual Pay portal and requests a Virtual Card Number (VCN) for a specific purchase

    Step 2

    This purchase gets approved by line manager. Their approval causes VCN to be generated and sent to person requiring approval.

    Step 3

    The employee can then make the purchase using the VCN.

    Step 4

    Merchant/vendor processes transaction through “Card not Present” process.

    Step 5

    Virtual Pay system validates transaction.

    Step 6

    Reconciliation is simplified as each purchase has corresponding purchase order (PO), invoice and receipt.

Need more help?

Contact your banker