Physical & virtual cards
Choose physical cards for day-to-day purchases and virtual cards for online spending and subscriptions.
Cards and controls
Business spending, with control built in.
Give employees and departments their own physical or virtual spending tools. Keep online purchases, subscriptions and business expenses visible, with limits and permissions around each authorised user.
Capabilities
What this service supports.
Limits, freezes & permissions
Set supported spending limits and freeze or unfreeze a card through the available controls.
Activity & notifications
Follow transaction activity and available alerts, with controls for supported users, merchants or spending categories.
Online, in-store & mobile
Use supported checkouts, merchants and mobile wallets. Wallet compatibility and cash-withdrawal access depend on the approved card programme.
Benefits in practice
Practical benefits. Connected clearly.
Give authorised people practical spending access while keeping the controls available to the account closer to the finance team.
Less shared-card friction
Eligible individual physical or virtual card access may reduce reliance on informal shared-payment arrangements.
More considered delegation
Use the available limits and permissions to align card access with an authorised person's operating responsibilities.
Earlier spending visibility
Review supported transaction activity through the available account or card view instead of waiting for manual expense updates.
Practical international use
Support eligible business spending across available markets and currencies, subject to programme terms and merchant restrictions.
In practice
Give every card a clear job.
Plan card access around people, departments and recurring commitments. Physical and virtual cards serve different spending needs.
Day-to-day team expenses
Authorised employees need to buy materials, travel or meet clients. Discuss individual physical cards and supported limits, while the finance team keeps the available transaction records close to its expense review.
Online subscriptions and suppliers
Virtual cards can separate supported online purchases or recurring subscriptions. Review which controls are available, how renewals are handled and who can change or freeze each card.
How it works
From enquiry to eligible setup.
Define your requirements
Tell Snowflow who needs cards and how your organisation manages team spending.
Complete eligibility checks
Card services are reviewed as part of the relevant onboarding process.
Set access and controls
Configure available card access, spending limits and team permissions.
Monitor activity
Review transaction activity and update available controls as operating needs change.
Card services are subject to eligibility, approval, programme terms and availability. Limits, controls, supported locations, foreign-exchange rates and charges may vary.
Common questions
Understanding business cards.
How do physical and virtual cards differ?+
A physical card supports eligible in-person spending. A virtual card provides digital card details for supported online purchases and subscriptions. Programme terms define the available uses.
Can I manage spending by employee or department?+
Discuss individual card access, card-level limits and the supported merchant or category controls. The precise controls are confirmed with your approved card programme.
Can I freeze a card or receive transaction alerts?+
Card freezing and activity notifications are supported control features, where available within your programme and platform configuration.
Are mobile wallets and ATM withdrawals included?+
Wallet compatibility, physical-card delivery, ATM access, fees and geographical restrictions must be confirmed for the card programme. These are not universal features of every card.
Discuss business cards with Snowflow.
Tell us how you operate and what you need from your accounts, payments or international financial activity.