7 Best Virtual Credit Cards — Perfect for F&B Businesses

Want an easier, safer way to manage business expenses — especially for your F&B operations?

With multiple recurring transactions like purchasing ingredients, paying suppliers, or managing subscriptions, keeping your cash flow organized can quickly get complicated.

Fortunately, there’s a solution: the Virtual Credit Card (VCC) with a virtual credit card, you can keep your F&B business spending organized, secure, and efficient.

Here are some of the best Virtual Credit Card recommendations to help streamline your restaurant or café’s cash flow.

1. Paper Pioneer Card

Source: Paper.id

The Paper Pioneer Card from Paper is one of the best Virtual Credit Cards designed specifically to help entrepreneurs — including those in the F&B sector — manage their business finances quickly and easily.

The entire application process is done online, with no complicated procedures, and you can usually start using the card within three working days.

For business owners looking to use credit cards as a financial management solution, Paper Pioneer Card offers a limit of up to IDR 100 million, providing flexibility for daily operations or urgent expenses.

You’ll also enjoy a payment grace period of up to 50 days, helping maintain smooth cash flow.

Additionally, every transaction earns a 0.1% cashback, making business expenses more efficient.

All transactions can be monitored in real time through the Paper dashboard, so you don’t have to check them one by one.

Start using Paper for free and apply for your Paper Pioneer Card today!

Read more: Invoice: Definition, Importance for Business, and How to Create One Easily

2. Volopay Virtual Credit Card

If your F&B business has multiple divisions or recurring SaaS subscriptions, Volopay’s Virtual Credit Card can be a great solution.

Each team can have its own virtual card based on specific budgets and needs.

It includes budget control, approval workflows, and real-time transaction tracking.

Plus, it integrates directly with accounting software — keeping your financial reports neat and transparent automatically.

3. Honest Card

The Honest Card is fully digital — no physical card required. All card details are accessible through the app.

The application process takes only 5 minutes and is usually approved within a day.

It offers a limit of up to IDR 100 million, ideal for daily F&B operations or personal expenses.

With this card, you can make full payments with no interest, pay minimum balances, and enjoy zero annual fees.

Since it’s linked to Mastercard, it’s accepted at over 90 million global merchants, both online and offline — perfect for first-time users too.

4. Skrill Virtual Visa Prepaid Card

Skrill offers a secure prepaid virtual card for online transactions — perfect for those who want to keep their main credit card safe.

The application process is fast since you don’t need to wait for a physical card.

It can be used at all online merchants that accept Visa, including for software subscriptions, business purchases, or F&B transactions.

The prepaid system also helps control your spending more easily and securely.

Read more: Payment Link: Definition, How It Works, and Practical Examples for Business

5. Neteller Virtual Prepaid Mastercard

Neteller provides a virtual Mastercard that can be used immediately after account verification — no need to wait for delivery.

You can even create multiple virtual cards at once, for example, one for each department.

All transactions can be tracked in real time through the app, with easy top-ups via multiple methods — making it convenient for F&B businesses that handle international transactions.

6. AyoConnect Virtual Card

AyoConnect’s Virtual Card is perfect for businesses that want their virtual card integrated directly with internal systems.

Card creation takes only about 7 days, with unlimited card issuance and no setup fees.

You can assign cardholders, monitor all transactions via a web or mobile dashboard, and ensure full visibility over every expense.

Simple, secure, and practical — ideal for F&B companies that need tighter financial control.

7. Digibank Digital Credit Card

DBS Digibank Digital Credit Card can be activated instantly — just 60 seconds after registration.

A quick verification in the digibank by DBS app, and your online transactions are ready to go.

Even though it’s digital-first, a physical card will still be delivered within 14 business days.

The advantage: you can activate and use it immediately — perfect for urgent business needs.

You can also set spending limits, convert transactions into installments of up to 60 months, and check billing in real time through the app.

Read more: 8 Best and Free Invoice Generator Recommendations — Packed with Benefits!

Conclusion

Those are the 7 best Virtual Credit Cards to support your business needs.

Each card has its own advantages, so you can choose based on your company’s priorities and financial strategy.

If you need quick access to large credit limits, Paper Pioneer Card can be a great starting point.

For businesses that require team-level budget control and detailed expense management, Volopay offers comprehensive features.

Meanwhile, Honest Card and Digibank Digital Credit Card provide quick and convenient options for daily transactions.

Since every business has unique financial needs, choose the card that best fits your workflow — and manage it wisely to keep your operations smooth and sustainable.

*This article is a collaboration between Paper and ESB.id