Every Feature a Serious B2B Card Program Demands.
Vircard is not a consumer card wrapped in a business interface. It is a purpose-built B2B card infrastructure designed for finance teams, compliance officers, and product developers who need granular control, transparent reporting, and the flexibility to design card programs that match real business workflows.
Feature Categories
Spend Management
| Feature | Description |
| Real-Time Limits | Set and adjust spend limits per card, per employee, or per team instantly from the dashboard or API |
| Merchant Category Controls | Allow or block entire merchant categories (e.g., travel, entertainment, SaaS) at program or card level |
| Geographic Restrictions | Restrict cards to specific countries or regions; useful for regional teams or compliance requirements |
| Velocity Rules | Cap the number of transactions per day, week, or month per card or cardholder |
| Approval Workflows | Require manager approval above defined spend thresholds before authorization proceeds |
Rewards & Incentives
| Feature | Description |
| Cashback | Offer cashback settled in fiat or stablecoins based on spend volume, merchant type, or tier |
| Reward Tokens | Settle rewards in branded tokens or partner digital assets for loyalty and incentive programs |
| VIP Tiers | Define cardholder tiers with escalating rewards, higher limits, and premium benefits |
| Partner Offers | Integrate merchant offers and targeted incentives into cardholder spend experience |
Compliance & Security
3D Secure
All online card transactions protected by 3D Secure 2.0 authentication layer
Real-Time Fraud Monitoring
Machine learning-based transaction scoring flags unusual activity before authorization completes
KYC / KYB Screening
Automated identity and business verification integrated into cardholder onboarding flow
AML Monitoring
Transaction monitoring against configurable rules and regulatory watchlists
Chargeback Management
Structured dispute handling with evidence collection, tracking, and network submission
PCI DSS Level 1
Highest level of payment card industry security certification maintained across infrastructure
Stats
| Metric | Detail |
| 30+ Platform Features | Available to all Vircard card program clients |
| 3DS2 Protected | All online card transactions covered |
| Instant Card Freeze | Cards can be frozen or cancelled in under 1 second via API or dashboard |
| <100ms API Response | Card management API latency target for provisioning and controls |