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

Someone needs to buy supplies. Another person is booking travel. A third needs to pay a subscription. They all need a card, and they need it now. Budgetly virtual cards issue instantly to Apple Pay and Google Pay, with the same controls as any Visa card.

Start free trial →

9:42

Virtual card Just issued

•••• •••• •••• 4821

Sophie Williams

Brisbane Group

Debit

Apple Pay

Google Pay

30 seconds from create to tap-to-pay

Australia's favourite.

99% of businesses stick with Budgetly.

The shift

Replace the 3-day wait with instant card issuance.

Bank-issued cards take days to arrive. Shared corporate cards create attribution chaos. Reimbursements put employees out of pocket. Virtual cards solve all three: issued in 30 seconds, added to the phone wallet, ready to tap and pay anywhere Visa is accepted.

The old way

Bank cards take 1-2 weeks to arrive by post
Employees need to pay now, stuck fronting personal money
Shared card passed around the office, no attribution when something goes wrong
Card number written in notes, texted, or posted in Slack, fraud waiting to happen
Subscription renewal needs a card today, finance hits the same wall monthly
One-off vendor needs a card just for one purchase, no good way to isolate

With Budgetly

Virtual cards issued in 30 seconds, not 3 days
Added to Apple Pay or Google Pay, tap-to-pay anywhere Visa works
Every employee gets their own, no shared cards, no attribution problems
Individual budgets and spending rules enforced at the terminal
Real-time visibility on every transaction
Disable any card in one tap when the purpose is done

Every transaction

Decide

Execute

Record

Learn

Built on trusted foundations

APRA-regulated
Data stays in Australia
2FA + SSL encryption
AWS Sydney ISO 27001 infrastructure
Live status

Why virtual cards beat bank cards for modern teams

Instant issuance

Create a card. Add to wallet. Tap to pay. 30 seconds.

No bank approval process. No waiting for delivery. No activation codes. Create a virtual card in the Budgetly dashboard, the employee adds it to Apple Pay or Google Pay, and they’re paying at the terminal in seconds. Physical plastic becomes optional.

Issue from dashboard or mobile app in under 30 seconds
Apple Pay and Google Pay from the moment of issuance
Works online, in-store, and anywhere Visa is accepted
Bulk-issue from CSV for team rollouts
No per-card fees on most plans
Unlimited virtual cards per employee

See all corporate cards →

Physical Active

•••• 4821

Sophie Williams

Virtual Just issued

•••• 7293

Tom Gallagher

Virtual Apple Pay

•••• 2158

Mei Chen

Issuing card for Tom R. · 18 seconds

Same controls as physical

Limits that enforce themselves at the terminal.

Virtual cards aren’t stripped-down, they get the full Budgetly rulebook. Budget caps, merchant category blocks, currency restrictions, time-of-day rules. Every transaction is evaluated before the charge clears. Violations decline at the terminal.

Per-card budget limits (daily, weekly, monthly, per-transaction)
Merchant category blocks (any MCC code)
Country and currency restrictions
Approval thresholds with auto-route to managers
One-tap freeze from dashboard or mobile app
Fraud flags in real time, not at month-end

See real-time spend control →

Physical card 6 rules active

•••• •••• •••• 7293

James Mitchell Brisbane Group

Debit

Daily limit $500

Monthly budget $5,000 $247 spent

Categories allowed Materials Fuel Trade tools

Categories blocked Alcohol Gambling Crypto

Currencies AUD only

Approval over $2,000 Auto-route to Frankie

Coded at the register

Every tap captures the transaction, codes it, syncs it.

When the virtual card taps at the terminal, the transaction flows into Budgetly instantly. Merchant identified. Category assigned. GST extracted. Receipt prompted in the mobile app. Synced to your accounting software. Finance never has to reconstruct anything.

Merchant identified from raw transaction data
Category auto-coded with 95%+ accuracy
GST extracted from every transaction
Mobile app prompts for receipt at point of sale
Synced to Xero, MYOB, QuickBooks, NetSuite, SAP
No manual entry, no reconciliation, no chasing

See the mobile app →

10:42 Snap receipt

BUNNINGS
Chatswood NSW

2 × Hammer$56.00

Screws (pack)$11.80

Drop saw blade$158.00

GST (10%)$22.53

Total$247.80

Bunnings Warehouse $247.80

Marcus Webb · Site Foreman · 10:42am

CategoryMaterials & Supplies

GST extracted$22.53

Receipt Matched

Tracking codeJOB-2149

What changes when every purchase has its own card

No more sharing, no more fraud exposure, no more calling the bank.

Hours saved per week Sunnyday Carers saved at least 15 hours a week after issuing virtual cards to every carer across 40+ group homes.

$21,000+

Switched from bank cards Connecting Families saved over $21,000 in their first year after replacing bank credit with Budgetly virtual cards.

Up to 80%

Manual workload reduction Average reduction in manual processing time across customers using virtual cards to eliminate reimbursements.

30 seconds

Card issuance Virtual card created and added to Apple Pay or Google Pay before the kettle boils.

99%

Customer retention Australian SMEs keep Budgetly year after year. Measured across the full customer base.

20,000+

Customers on Budgetly Users across Australia running $1.5B+ payment volume through Budgetly Visa cards.

The trust shift

Virtual cards change how your team works with money

No waiting for a plastic card to arrive. No sharing numbers in Slack. No paying from personal accounts and filing an expense claim. Virtual cards on day one, every new hire, every new project.

Card on your phone from day one
Tap-to-pay everywhere Visa is accepted
Budget visible in real time on mobile
Never out of pocket. Never waiting for reimbursement.
Snap a receipt at the register, done

Issue cards in 30 seconds, not 3 days
One card per vendor or subscription, isolate risk
Real-time visibility on every transaction
Disable any card when the purpose is done
No more shared card attribution chaos

Carol R Director

NDIS

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 · Capterra

Cherise H Accounts & Administration Specialist

Construction

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 · Capterra

Eloisa Manager

Construction

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 · Capterra

Hayley C Business Manager - Corporate

Education

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 · Capterra

Judi M Operations Manager

Healthcare

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 · Capterra

Kevin K Director

Professional Services

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 · Capterra

Tim H CFO

Professional Services

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 · Capterra

Timothy N Finance Manager

Professional Services

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 · Capterra

Vibhu J Finance Officer

NDIS

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 · Capterra

Awards and recognition

Software Advice Best Customer Support 2026

Software Advice Best Customer Support 2025

Customer stories

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.

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 …

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 …

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 →

Frequently asked questions

What's a virtual card?

A Visa debit card that lives in your employee’s phone wallet (Apple Pay or Google Pay) instead of on physical plastic. Same card number format, same Visa network, same tap-to-pay at terminals. Works online and in-store anywhere Visa is accepted.

How fast can I issue a virtual card?

Under 30 seconds. Create the card in the Budgetly dashboard or mobile app, the employee adds it to their Apple Pay or Google Pay wallet, and they’re ready to tap and pay. No bank approval. No waiting for delivery. No activation codes.

Do virtual cards have the same controls as physical cards?

Yes. Every virtual card gets the same rulebook: budget limits, merchant category blocks, currency restrictions, approval thresholds, instant freeze, fraud detection. The controls are identical. Budgetly evaluates every transaction at the terminal regardless of whether the card is virtual or physical.

Can I use virtual cards online and in-store?

Yes. Use the card number for online purchases. Tap the phone (Apple Pay or Google Pay) for in-store. Works anywhere Visa is accepted in 200+ countries.

Should I issue virtual or physical?

Virtual for most cases, faster, cheaper, no plastic waste, harder to lose. Physical when an employee specifically needs plastic (some merchants without contactless terminals, some rental car counters). Most Budgetly customers issue 80% virtual, 20% physical.

Can I issue multiple virtual cards per employee?

Yes, unlimited. Teams commonly create one card per vendor (Canva, AWS, Xero), one per project, or one per subscription. When the project or subscription ends, disable that specific card, no stale details floating around.

Do virtual cards sync to accounting software?

Yes. Every transaction syncs to Xero, MYOB, QuickBooks, NetSuite, and SAP with the merchant, category, GST, and receipt already coded.

How much do virtual cards cost?

Virtual cards are included in Budgetly plans. Most plans include a set number with additional virtual cards at $10/month each (same as physical). See pricing.

Can employees see their budget on the mobile app?

Yes. Employees see their available budget, recent transactions, and receipt upload queue in the Budgetly mobile app. The budget is visible before every purchase so they know what they have to spend.

Issue your first virtual card in 30 seconds.

Apple Pay and Google Pay ready. Individual limits. Real-time visibility.

Start free trial → Watch the demo →

14-day free trialNo credit card requiredUnlimited usersCancel anytime

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

Australia's favourite.

Replace the 3-day wait with instant card issuance.

The old way

With Budgetly

Why virtual cards beat bank cards for modern teams

Create a card. Add to wallet. Tap to pay. 30 seconds.

Limits that enforce themselves at the terminal.

Every tap captures the transaction, codes it, syncs it.

What changes when every purchase has its own card

Virtual cards change how your team works with money

Trusted by teams across Australia

Awards and recognition

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

Frequently asked questions

Issue your first virtual card in 30 seconds.