Virtual Credit Cards for Business

Virtual credit cards are digital card numbers you generate for online.

They work like regular business credit cards, but instead of a plastic card, you get card details you can create, control, and cancel from an app or dashboard.

Businesses use them to separate spending, control budgets, and reduce fraud risk.

KOHO Essential

With KOHO Essential Plan, you get:

• It has a low monthly plan fee that can be waived when you set up direct deposit or add +$1,000.

• Get your Virtual Card to start spending online right away, securely.

• Use a prepaid Mastercard® for groceries, bills, subscriptions, and travel.

• Grow your savings with a 2% interest savings rate on your entire balance.

• Earn 1% cash back on groceries, eating & drinking, and transportation.

• You can add Credit Building for $10/month, it's an affordable way to build your credit history.

• Enjoy unlimited transactions and free e-transfers (never worry about fees when sending money to someone again).

What is a Virtual Credit Card for Business?

A business virtual credit card is typically:

• Tied to a business credit account (with a limit and billing cycle)

• Generated as a digital card number that can be used online or saved on file

• Sometimes created per vendor, per employee, or per subscription

You still get one overall business statement, but you can tag and track spending by virtual card.

Key Benefits for Businesses

• Better control over spending
  Set limits by card (for example, max per month for a specific tool or vendor).

• Safer for online payments
  If a card number is compromised, you can freeze or delete that virtual card without touching the main account.

• Cleaner tracking
  Create different cards for different tools or teams so it’s easier to see where money is going.

When a Virtual Business Card Makes Sense vs. a Prepaid Option

Virtual business credit cards are ideal if you:

• Run a registered business with multiple people spending

• Need lots of separate cards for tools, staff, or departments

• Want deeper integration into accounting or expense software