Your team needs a card right now. Not in 3 business days.

Q: "What is a Budgetly virtual card?"

"A virtual Visa debit card issued instantly from the Budgetly dashboard. It lives in your employee's mobile wallet (Apple Pay or Google Pay) and works for tap-to-pay in-store and online purchases. No physical card needed."

Q: "How quickly can I issue a virtual card?"

"Instantly. Create the card, the employee adds it to their phone, and they're ready to pay in seconds."

Q: "Does it work with Apple Pay and Google Pay?"

"Yes. Virtual cards are added to Apple Pay or Google Pay and work for contactless tap-to-pay anywhere Visa is accepted."

Q: "Can I set limits on each virtual card?"

"Yes. Each employee has their own budget with spending limits and category restrictions. They can use any of their cards (virtual or physical) to spend against that budget. Finance controls who can spend, how much, and where."

Q: "Can I disable a virtual card?"

"Yes. Disable any card instantly from the dashboard. The card number stops working immediately. Use this for one-off purchases, completed projects, or cancelled subscriptions."

Q: "Do virtual cards have the same controls as physical cards?"

"Yes. Same budget enforcement, same approval rules, same instant freeze, same fraud detection, same Xero sync. The control loop is identical. [See physical cards](/product/corporate-cards/)."

Q: "Do transactions sync to Xero?"

"Yes. Every transaction syncs to [Xero](/product/xero-integration/) coded, categorised, and receipt-attached. Same as physical cards."

Q: "How much do virtual cards cost?"

"Virtual cards are included in Budgetly plans. [See pricing](/pricing/). No per-card fees on most plans."

Q: "How do I get started?"

"Sign up, create a virtual card, add it to your phone. Our onboarding team provides free, unlimited training. [Start a free trial](/sign-up/) or [book a demo](/demo/schedule/)."

Someone needs to buy supplies. Someone else needs to pay for a subscription. A third person is booking travel. They all need a card, and they need it now. Budgetly virtual cards are issued instantly, added to Apple Pay or Google Pay, and ready to use in seconds.

Issue your first virtual card now ➜

Your team needs a card right now. Not in 3 business days.

Australia's favourite.

Trusted by organisations managing distributed teams and multiple budgets.

A card on your phone, ready in seconds. With controls built in.

Virtual cards live in your employee's mobile wallet. Tap to pay in-store via Apple Pay or Google Pay. Use the card number for online purchases. Each employee has their own budget with spending limits and category restrictions. Finance sees every transaction in real time. When the project is done or the subscription is cancelled, disable the card. No plastic to collect. No numbers floating around.

Why teams choose virtual cards

Speed, convenience, and control. No waiting for delivery. No shared card numbers.

Card issuance Instant Created and ready to use in seconds.

Apple Pay + Google Pay Yes Tap to pay in-store from your phone or watch.

Budget control Per user Each employee has their own budget. Any of their cards can spend against it.

Shared card numbers Zero Every employee gets their own card. Reduced fraud surface.

Spend visibility Real time Finance sees every transaction as it happens.

Card disable Instant Turn off any card when the project or subscription ends.

Issued instantly. On your phone in seconds.

Create a virtual card from the Budgetly dashboard. The employee adds it to Apple Pay or Google Pay. They’re ready to tap and pay, in-store or online. No waiting for delivery. No activation codes. No plastic.

“We issue cards instantly, set spending rules, and send transactions to Xero in one click.” — Daniel Chu, Director, Kismet Healthcare

See the app ➜

Issued instantly. On your phone in seconds.

Same control loop as every Budgetly payment.

Every card payment goes through the same four steps. Decide: budget and limits checked before approval. Execute: payment processed via the Visa network. Record: Bookkeeper AI codes the transaction, extracts GST, matches the receipt. Learn: accuracy improves with every transaction. The controls are identical to physical cards.

See real-time spend control ➜

Same control loop as every Budgetly payment.

Create a card for a purpose. Disable it when done.

Need a card for a specific vendor, a one-off purchase, or a monthly subscription? Create a virtual card with its own limits. When the purpose is fulfilled, disable the card. The number stops working. No stale card details floating around. No risk of unauthorised charges after the fact.

Start free trial ➜

Create a card for a purpose. Disable it when done.

Budgetly saves me 2 hours a day in accounting time. I used to have to reconcile and enter transactions. It works seamlessly with Xero and if there ever is an issue I can count on the team to help me out.

Verified by Capterra

We've been able to streamline 3 processes into 1 with Budgetly and I'd recommend this for anyone using Xero accounting as the integration has been very easy and stress-free.

Verified by Capterra

I've saved at least 2 hours a day in admin work. We've minimised human error with our staff now being accountable for uploading their own receipts. Bill Payments has also brought everything into one spot and with the Xero integration, everything is so much easier now.

Verified by Capterra

Instead of the finance team manually chasing receipts and processing reimbursements, staff enter details and upload receipts directly into the Budgetly app which are synced across to Xero. Such a time saver.

Verified by Capterra

Using Budgetly has made reconciliation and budget management a breeze for our team spread across Australia. No chasing receipts, no time wasted on manually matching transactions, and easy to adjust budgets. All integrated with Xero.

Verified by Capterra

I don't have to chase receipts anymore. I can issue cards in about 10 seconds. I can forward 20 bills from my email and it auto extracts and pays them.

Verified by Capterra

We've definitely saved a lot of money. 50 hours saved across the month in bookkeeping fees is massive. So much easier to sync straight into Xero.

Verified by Capterra

Budgetly saves us time and money from the very beginning. It has replaced trying to retrieve receipts and manual coding to Xero. Receipts, GST amounts and tracking are all recorded immediately.

Verified by Capterra

We run multiple budgets across several properties, and the system handles it seamlessly. Budgetly has cut our workload by at least 15 hours each week.

Verified by Capterra

Awards and recognition

Software Advice Best Customer Support 2026

Software Advice Best Customer Support 2025

Most companies still manage spending the hard way.

Finance teams are expected to control spending, but the tools they use were never built for it. Staff share corporate cards, receipts arrive weeks late, reimbursements are manual, budgets live in spreadsheets, and bookkeepers reconstruct reality after transactions occur.

Modern companies manage spending before it happens.

Instead of reacting to expenses after the fact, finance teams now control spending at the moment it occurs. Budgetly enables this shift. Spending rules, budgets, cards, and expense capture operate inside a single platform, giving finance teams live visibility and control.

Set budgets

Issue cards

Capture

Classify

Sync

Frequently asked questions

What is a Budgetly virtual card?

A virtual Visa debit card issued instantly from the Budgetly dashboard. It lives in your employee’s mobile wallet (Apple Pay or Google Pay) and works for tap-to-pay in-store and online purchases. No physical card needed.

How quickly can I issue a virtual card?

Instantly. Create the card, the employee adds it to their phone, and they’re ready to pay in seconds.

Does it work with Apple Pay and Google Pay?

Yes. Virtual cards are added to Apple Pay or Google Pay and work for contactless tap-to-pay anywhere Visa is accepted.

Can I set limits on each virtual card?

Yes. Each employee has their own budget with spending limits and category restrictions. They can use any of their cards (virtual or physical) to spend against that budget. Finance controls who can spend, how much, and where.

Can I disable a virtual card?

Yes. Disable any card instantly from the dashboard. The card number stops working immediately. Use this for one-off purchases, completed projects, or cancelled subscriptions.

Do virtual cards have the same controls as physical cards?

Yes. Same budget enforcement, same approval rules, same instant freeze, same fraud detection, same Xero sync. The control loop is identical. See physical cards.

Do transactions sync to Xero?

Yes. Every transaction syncs to Xero coded, categorised, and receipt-attached. Same as physical cards.

How much do virtual cards cost?

Virtual cards are included in Budgetly plans. See pricing. No per-card fees on most plans.

How do I get started?

Sign up, create a virtual card, add it to your phone. Our onboarding team provides free, unlimited training. Start a free trial or book a demo.

Customer Stories

May 2, 2023

Blacksheep Trading Removes Bank Debit Card Hassle With Budgetly

Read how Blacksheep trading saves hours in expense management and removes the hassle of bank debit cards with Budgetly.

April 10, 2026

How Align Work Health saved 5 hours a week and eliminated missing expenses with Budgetly

Discover how Align Work Health saved 5 hours a week and eliminated missing expenses with Budgetly and Xero sync. Read …

November 17, 2021

How Hillsborough OOSH Saves Time and Achieves Greater Visibility with Budgetly

Budgetly's case study on how NSW childcare provider Hillsborough OOSH saved time and gained control with Budgetly's …

May 21, 2024

Sanctuary Family Solutions eliminated petty cash and manual admin with Budgetly

'With Budgetly, we now have saved time and solved a lot of the problems we had using petty cash!'

See all customer stories ➜

Issue a virtual card in seconds. Controls built in.

Apple Pay. Google Pay. Individual limits. Real-time visibility. Instant disable.

Issue your first virtual card now ➜

Your team needs a card right now. Not in 3 business days.

Australia's favourite.

A card on your phone, ready in seconds. With controls built in.

Why teams choose virtual cards

Issued instantly. On your phone in seconds.

Same control loop as every Budgetly payment.

Create a card for a purpose. Disable it when done.

Trusted by teams across Australia

Awards and recognition

Most companies still manage spending the hard way.

Modern companies manage spending before it happens.

Frequently asked questions

Customer Stories

Blacksheep Trading Removes Bank Debit Card Hassle With Budgetly

How Align Work Health saved 5 hours a week and eliminated missing expenses with Budgetly

How Hillsborough OOSH Saves Time and Achieves Greater Visibility with Budgetly

Sanctuary Family Solutions eliminated petty cash and manual admin with Budgetly

Issue a virtual card in seconds. Controls built in.

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