Virtual credit cards for Australian businesses

Issue unlimited virtual cards to your team instantly, with controls on every card. Archa is funded by credit, so your cash stays in your business. Spend now, settle later.

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What is a virtual credit card?

A virtual card is a digital card number you can use for online, in-app and mobile wallet payments. It works like a physical card, but without the plastic, so you can pay securely from anywhere.

Instant issue

Create a virtual corporate card in minutes and use it immediately.

Track every transaction in real time

Follow your team’s spending in real time and spot outliers early, before they land in your accounts. That’s reconciliation made easier.

Capture receipts on the go

Every payment gets automatic receipt capture and syncs to Xero, MYOB or Acumatica, so reconciliation stops piling up.

Temporary cards

Set an expiration date, and the card stops working on that day.

Apple Pay & Google Pay

Add the card to your phone wallet and tap to pay in-store.

Tools that direct debit can’t match

Archa integrates with accounting platforms like Xero, MYOB Acumatica, plus expense management software including SAP Concur and ProSpend to keep spend data accurate without re-entering it.

Create a virtual corporate card for travel, client entertainment and team offsites

Our virtual credit cards help Australian businesses take charge of their spending. With controls and a payment trail on every card.

Are virtual cards safe for Australian businesses?

With Archa, you can match the card to the payment. Use one for a supplier invoice, another for team budget and another for a subscription, all managed in one place.

Three Archa cards stacked on top of each other

Software subscription cards

Give each recurring subscription its own card, so a price rise or surprise renewal is easy to spot and stop. Enjoy low FX fees of 0.49% on overseas subscriptions, too.

New hires who need a card on day one

Equip teams with instant virtual Mastercard cards, featuring built-in spending limits and controls.

Single-use cards

Use a card that works for a single payment to pay a one-off vendor, then cancel it once the invoice is paid.

Department budgets

Share one budget across a team and empower employees to spend within your limits.

Are virtual cards safe for Australian businesses?

Yes. At Archa, you can limit the damage if something goes wrong with features like:

Separate details for each vendor

If one set leaks, only that card is affected.

Instant freeze or cancel

Pause or close any card while every other card carries on as normal.

Spend controls

Set limits and use single-use cards to enforce policy at the point of sale.

Mastercard network

Cards come with zero-liability protection.

Prepaid Virtual Credit Cards vs Archa Virtual Corporate Cards

A prepaid virtual card ties up your cash before you spend it. Here’s how that compares with an Archa virtual corporate card:

Feature	Prepaid virtual card	Archa virtual corporate card
How it's funded	Funds loaded before spending	Business credit line with up to 30-day terms
Cash flow	Varies by provider	Spend now, settle on terms
Number of cards	Varies by provider	Unlimited
Receipts and reconciliation	Varies by provider	Receipt capture and accounting sync
Rewards points	Varies by provider	Archa Points on eligible business spend

Customers who've made the switch

See how modern finance teams are cutting overhead and closing books faster.

"We’re really happy with the system. It integrates well and there’s never been a time where the transactions weren’t there – it just works."

By switching to Archa’s credit-based cards, this logistics software leader solved transaction reliability issues and automated expense reporting.

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"We were able to introduce Archa to employees as an efficiency improvement... our people can spend more time on their day-to-day roles, and less time managing admin."

By replacing legacy bank cards with Archa, Australia’s leading commercial painting provider eliminated "blind spending" and unlocked valuable rewards.

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"All the manual expense tracking is gone now. We’ve got real-time visibility of the expense. Life has become very simple.

By integrating Archa’s corporate cards with SAP Concur, this construction leader eliminated manual receipt matching and empowered its 200-strong workforce.

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"The expense management process prior to implementing a new solution was manual. We used a spreadsheet to manage everything and understanding how expenses were driven was a challenge. It was time-consuming."

By moving from spreadsheets to Archa’s digital-first platform, this market leader streamlined expenses for 100+ employees without impacting their bank borrowing capacity.

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"As a company, I think it’s a bit rich to ask someone, especially your key senior employees, to use their own money to pay for business expenses, then force them through a horrendous reimbursement process. It’s slow, it’s complicated, and it also doesn’t make business sense."

By bypassing traditional banking roadblocks, this AI-driven fintech saved its sales team hours of weekly admin while securing corporate credit.

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"It's reduced my and the finance team's admin time by making cardholders take responsibility for their receipts."

How Household Capital’s Finance team gave expense ownership back to 20 cardholders and won back two days of admin every month.

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Frequently asked questions

Is Archa a prepaid virtual card?

No. Prepaid cards need money loaded before you spend. Archa works the other way, with a business credit line and up to 30-day terms, so cards are ready to use without a preloaded balance.

Can I use a virtual card in store?

Yes, through Apple Pay or Google Pay. Simply add the card to your phone wallet and tap to pay.

How many virtual cards can I create?

As many as you need. Archa offers unlimited virtual cards, so every team member, subscription and vendor can have their own.