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Why choose Zenith Pay cards?
Unlimited virtual cards
Create virtual cards for teams, vendors, subscriptions, and recurring expenses with more visibility and control.
Card groups and budgets
Organize cards by team or use case, manage budgets, and keep spending aligned with company policies.
Sophisticated spend controls
Set limits, manage usage rules, and apply controls that help your team spend with confidence.
Lock cards to specific merchants or categories
Control where cards can be used
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Set cards or card groups to specific merchants or merchant categories to reduce misuse and keep spend aligned with policy.
Prevent unwanted transactions
Apply tighter controls across vendors and categories to give teams flexibility without sacrificing oversight.
Built for operational control
Give finance teams more confidence with spend controls designed for real-world business workflows.
Powerful bulk actions
Manage cards at scale
Make updates across multiple cards at once to save time and simplify card management at scale.
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Update card settings across teams
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Keep controls consistent as you scale
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Reduce repetitive admin work
Frequently asked questions
How does a virtual card work?
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A virtual card works like a physical card, except it is not a physical object. You can use it for online purchases and approved digital payments.
Can I use a virtual card for in-person purchases?
Yes, if your virtual card is added to a mobile wallet like Apple Pay or Google Pay, it can be used for eligible in-person purchases.
How do I get a virtual card?
Once your Zenith Pay account is approved, you can create a virtual card from your dashboard and assign it based on your team’s needs.
Are virtual cards secure?
Yes. Virtual cards are designed with strong security protections and can help reduce exposure by giving teams dedicated cards for specific use cases.
How long does a virtual card last?
Virtual cards typically remain active until they are deleted, replaced, or updated based on your account settings and usage needs.
Can I get a refund on a virtual card purchase?
Yes. If a refund is issued to a purchase made with a virtual card, the funds are typically returned to that same card or reflected within your account.
What happens if my virtual card is declined?
If your virtual card is declined, it may be due to insufficient funds, card controls, merchant restrictions, or another account setting. You can review the card settings or contact support for help.
Can I set spending limits on a virtual card?
Yes. You can set spending limits and apply controls to virtual cards to help manage team purchases and keep spending aligned with company policies.
How many virtual cards can I have at once?
You can create multiple virtual cards depending on your account setup and business needs, making it easier to separate spend across teams, vendors, or workflows.
Are there any fees associated with Zenith Pay virtual cards?
Zenith Pay virtual cards are designed to be simple and business-friendly. Exact fees, if any, should follow your account terms and product setup.