Question 1

What exactly is a virtual card?

Accepted Answer

A virtual card is a full Visa or Mastercard — number, expiry and CVV — that exists digitally instead of as plastic. It works for online payments anywhere those networks are accepted, and is created from your KeyBS Pay account in seconds.

Question 2

How is a virtual card different from a physical card?

Accepted Answer

Functionally they carry the same network credentials; the difference is form and speed. Virtual cards skip printing and shipping entirely, can be created and deleted at will, and are designed for online and in-app payments rather than physical terminals.

Question 3

How quickly is a new card ready to use?

Accepted Answer

Seconds after creation, once your business account is verified. There is no activation call, no shipping wait and no branch visit.

Question 4

Which currencies can fund a card?

Accepted Answer

USD, EUR, GBP, USDT, USDC and local African rails via your KeyBS Pay wallet. Cross-currency funding shows the conversion before you confirm.

Question 5

Where are the cards accepted?

Accepted Answer

Anywhere Visa or Mastercard payments are accepted online — international suppliers, ad platforms, SaaS tools, marketplaces, airlines and hotel platforms included. Acceptance at any specific merchant is determined by that merchant’s checkout.

Question 6

What security protects each card?

Accepted Answer

3-D Secure authentication on supported transactions, tokenization so merchants never hold real credentials, encryption in transit and at rest, PCI DSS-aligned controls, and continuous fraud monitoring with one-tap freeze.

Question 7

What card controls are available?

Accepted Answer

Per-card spending limits (per transaction and monthly), merchant category rules, country restrictions, single-use mode, and freeze/unfreeze — all adjustable from the dashboard at any time.

Question 8

Can I create cards for my team members?

Accepted Answer

Yes — one card per employee with individual limits is a core use case. Administrators keep consolidated visibility while each person spends only within their own card.

Question 9

Can I use virtual cards to pay overseas suppliers?

Accepted Answer

Yes, wherever the supplier accepts card payments online. Dedicated per-vendor cards and single-use cards keep supplier payments isolated and dispute-ready. For large invoices, transfers and escrow are also available on the platform.

Question 10

Do the cards work for ad platform billing?

Accepted Answer

Virtual cards are standard Visa/Mastercard credentials, which ad platforms accept for billing. Per-platform cards with hard limits are the recommended structure to contain campaign overspend.

Question 11

What does a virtual card cost?

Accepted Answer

Mastercard Silver is $60, Visa Classic is $65 and Mastercard Elite is $75 — one-time onboarding costs that combine the card issuance fee ($10–$25) with a $50 initial balance loaded onto the card and ready to spend. A $1 monthly maintenance fee and 2.5% funding fee apply. See the pricing page for the full breakdown.

Question 12

What happens if a card is compromised?

Accepted Answer

Freeze it in one tap, then delete and replace it in seconds. Because each card is isolated, a compromise never exposes your wallet balance or any other card.

Question 13

Is there an API for issuing cards?

Accepted Answer

Yes — the Cards API covers the full lifecycle programmatically: creation, funding, limits, freezing and transaction webhooks, with a sandbox for development. Access follows business verification and partner review.

Question 14

What do I need to get started?

Accepted Answer

Create a KeyBS Pay account, complete business (KYB) verification online, fund your wallet, and create your first card. The entire flow is digital.

Every Virtual Card Question, Answered

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