Zil Money is setting a new standard for safer, smarter B2B payments with virtual cards built for control, speed, and security.
In an era where digital transactions are the norm, the virtual card has emerged as a critical tool for businesses aiming to enhance security and efficiency. Zil Money is setting a new standard for safer, smarter B2B payments with virtual cards built for control, speed, and security.
This rapid growth underscores a significant shift in how businesses approach payments, driven by the need for more secure and flexible solutions.
The Problem Every Business Knows
Fraud is hitting U.S. businesses harder than ever. In 2024, a staggering 80% of organizations were targeted by payment fraud, a sharp increase from 65% in the previous year. Traditional payment methods like checks and ACH transfers remain prime targets, with 63% of businesses experiencing check fraud in 2024. Shared corporate cards introduce their own set of challenges, including unclear spending trails, unauthorized purchases, and significant disruptions when a card is compromised.
For small and medium-sized businesses, these issues are not just abstract risks; they translate into tangible financial losses, wasted time, and eroded trust. This is why the virtual card is no longer just an alternative but is quickly becoming the standard for secure business payments.
Why Virtual Cards Flip the Script on Fraud
Unlike traditional payment methods, a virtual card does not expose sensitive account numbers. Each card is unique, created with specific spending limits, and can be locked to a single vendor. This design significantly reduces the risk of fraud, as there is no valuable information for fraudsters to steal. In fact, virtual cards account for only 9% of fraud cases—a stark contrast to the high rates associated with traditional methods.
Key advantages include:
- One-time use numbers: Valid for a single payment, then automatically deactivated.
- Vendor restrictions: Cards can be issued for specific vendors, such as Google Ads or Home Depot, and will not work elsewhere.
- No account details shared: Sensitive financial data remains protected within your system.
- Controlled access: Set spending caps, expiration dates, and instantly cancel cards as needed.
This is not merely an upgrade—it is a proactive fraud-prevention mechanism built into every transaction.
Everyday Scenarios, Simplified
The confusion of shared corporate cards disappears. No more time wasted trying to figure out who made which charge. Spending stays in line with budgets, as cards are tied to specific purposes, eliminating surprise expenses.
If a contractor’s card is compromised, the rest of the team can continue their work without interruption—no account freezes or lengthy waits for replacement cards. The result is cleaner expense reports, fewer disputes, and greater peace of mind for business owners.
Zil Money: Making It Accessible for Everyone
With the aid of Zil Money businesses do not need large budgets or complex tools to enhance their payment security. Zil Money makes it easy to issue, manage, and track Visa virtual cards in minutes.
- Create a new card instantly from your Zil Money wallet.
- Add it to Apple Pay or Google Pay for immediate use.
- Lock spending to a specific vendor or category.
- Receive alerts for every transaction, ensuring complete transparency.
- Scale globally with cards usable in over 50 countries, perfect for managing payments to contractors and remote teams.
It’s control without complexity—designed to help businesses focus on growth instead of fraud risk.
U.S. Trends Prove the Shift
In 2025, the adoption of virtual cards is accelerating across the U.S. B2B landscape. As digital payment fraud tactics become more sophisticated, companies are realizing that proactive prevention is more effective than reactive damage control.
More than 4 in 10 U.S. consumers have used a virtual card in the past six months, and 65% are likely to do so in the coming year.
For small and medium-sized businesses, the ability to:
- Cut exposure to fraud
- Control spending at the source
- Keep operations moving without disruption
Why This Matters Going Forward
The future of payments will not be built on outdated, insecure rails. While fraud attempts are not going away, the vulnerabilities of traditional payment methods can be mitigated with smarter, disposable tools like virtual cards. Each card has a single job, a specific limit, and a clear purpose.
This shift is about more than just convenience. It is about building trust, efficiency, and resilience in a digital economy where speed and security must go hand in hand.
The next move!
Zil Money is bringing these advanced security features within reach for every business—not just the largest enterprises.
Create your first virtual card today with Zil Money and see how secure payments should work.
FAQs
1. What is a virtual card used for?
A virtual card is designed for digital payments with unique numbers and built-in controls. It can be issued instantly and used for vendor payments, subscriptions, or team budgets.
2. How does a virtual card prevent fraud?
It hides sensitive account details, works only where it’s authorized, and can be canceled after a single use—making it useless to fraudsters.
3. Can smaller U.S. businesses access Zil Money’s virtual cards?
Yes. Zil Money offers instant setup, no hidden fees, and features that work for businesses of every size.
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