---
title: How to Use Virtual Cards in Precoro
description: Issue and use prepaid virtual cards for controlled and flexible payments from your financial account, then allocate transactions to approved documents.
---
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1. [Knowledge Base](https://help.precoro.com/?hsLang=en)
2. [Precoro Setup](https://help.precoro.com/precoro-setup?hsLang=en)
3. [Precoro Payments](https://help.precoro.com/precoro-setup?hsLang=en#precoro-payments)
# How to Use Virtual Cards in Precoro
## Virtual cards let your team pay vendors online while you keep control over who can spend and how much. Issue cards with built-in spend limits, pay with them on websites, and add them to a mobile wallet; the finance team matches every transaction to an invoice.
❗Virtual cards are part of Precoro Payments and are currently available only to US clients.
TABLE OF CONTENTS
- [What Precoro Cards Offer](https://help.precoro.com/how-to-use-virtual-cards-in-precoro#offer)
- [How to Set Up Precoro Cards](https://help.precoro.com/how-to-use-virtual-cards-in-precoro#setup)
- [How to Assign Card Roles](https://help.precoro.com/how-to-use-virtual-cards-in-precoro#roles)
- [How to Issue a Card](https://help.precoro.com/how-to-use-virtual-cards-in-precoro#issue)
- [Card Activation Process](https://help.precoro.com/how-to-use-virtual-cards-in-precoro#activate)
- [How to View and Use Your Cards](https://help.precoro.com/how-to-use-virtual-cards-in-precoro#view)
- [How to View and Allocate Transactions](https://help.precoro.com/how-to-use-virtual-cards-in-precoro#allocate)
- [FAQs](https://help.precoro.com/how-to-use-virtual-cards-in-precoro#faqs)
### What Precoro Cards Offer
Precoro Cards let your team pay online or through Google and Apple wallets and keep spending trackable and under control.
Here’s what you get using this module:
- Virtual cards issued instantly.
- No issuance or per-transaction fees.
- Precise and customizable spend limits over different time periods.
- Simple transaction reconciliation with invoices.
- Centralized patent management within one financial account.
### How to Set Up Precoro Cards
Cards are managed in the same Stripe-powered account as Precoro Payments. If you don't have one yet, see [How to Set Up a Financial Account](https://help.precoro.com/how-to-set-up-a-financial-account?hsLang=en).
Once your financial account is active, follow these steps to start using cards:
1. Navigate to Configuration → Payment Services.
2. Open the **Spending Cards** tab, click Activate, and follow the instructions on the screen. Once done, it may take up to 1 day for the functionality to activate due to standard bank control procedures.
3. Assign roles that will allow your team to issue and own the cards as explained below.
#### How to Assign Card Roles
Activating cards adds two new roles in user management:
- **Card Manager:** Issues cards and sees all company cards.
- **Cardholder:** Owns cards and uses them to pay.
A user can have one role or both. They’ll view and manage cards from the **Cards** module in the left-hand navigation sidebar.
[](https://help.precoro.com/hubfs/Cards%20Module.png?hsLang=en)
To assign a role:
1. Go to **Configuration → User Management** and open the user.
2. Go to the **Roles** tab.
3. Under Management, select **Card Manager**, **Cardholder**, or both.
4. Click **Update**.
[](https://help.precoro.com/hubfs/Card%20Roles.jpg?hsLang=en)
### How to Issue a Card
Card managers can issue cards to any cardholder.
1. Go to the **Cards** page and click **Issue a card**.
2. In **General Information**, fill in:
3. **Legal Entity** (LE),
4. **Cardholder,**
5. **Date of Birth** (the cardholder's),
6. **Card Expiration Date** (set a date between one month and five years from today).
7. Please ensure the selected LE has a **Billing Address**. If not, Precoro will ask you to fill it out.
8. In **Spend Controls**, enter an amount and choose a limit type.
9. Click **Issue**.
**Spend controls**
Precoro offers different types of limits:
- per authorization,
- monthly,
- yearly,
- for all time.
At least one limit is required for each card. You can also combine several limits on one card for more precise control by clicking **Add limit**. For example, a card can have a $10,000 yearly limit, a $1,000 monthly limit so the budget isn't used up in one month, and a $100 per-transaction limit.
#### Card Activation Process
The newly issued card appears in the list with the **Pending** status, which means it can't be used yet.
For a card to be activated, the cardholder must accept the **cardholder terms**. They’re prompted to do so in the Cards module. Each cardholder only needs to accept the terms once; the terms will apply to all cards issued for them.
If a cardholder has already accepted the terms, activation takes a few seconds. Once the status changes to **Active**, the cardholder can start using the card.
### How to View and Use Your Cards
Once a user has a card role, the **Cards** module becomes available to them. The page has two tabs. One or both are available to the user depending on their roles:
- **Company Cards:** All cards in the company with their statuses and limits. Only Card Managers can see this tab.
- **My Cards:** Cards assigned to the user. Only the cardholder can view sensitive details (card number, CVV, expiration date); Card Managers do not have access to them.
To use a card:
1. On the **My Cards** tab, click the eye icon next to an active card.
2. To see and copy the card number and security code, click the card image.
3. Use the copied details to pay online or add the card to Apple Pay or Google Pay.
**Please note:** Precoro doesn’t store your card details. This data is securely saved in Stripe and only displayed when you’re viewing the card.
### How to View and Allocate Transactions
Every card payment appears on the **Transactions** page. To open it, click **Transactions** at the top of the Cards page.
The page has two tabs, **All** and **My Transactions**. For each transaction, you'll see the card, legal entity, cardholder, merchant and MCC code, amount, and date. Users with only the Cardholder role will only see the My Transactions tab.
To allocate transactions to invoices, the user must have two roles:
1. Pay Invoices
2. One of the following:
3. Card Manager—to allocate any transaction.
4. Cardholder—to allocate transactions from their cards.
To match transactions with invoices:
1. Click **Allocate Transactions**.
2. Your unallocated transactions appear on the left, and your open invoices on the right. Drag a transaction onto an invoice, or select both. Matched entries will be connected with a line.
3. Please note: Allocation is only possible if the transaction and the invoice are in the **same currency**.
4. Click **Confirm Allocation**.
The invoice's payment status updates to reflect the payment (for example, from **Not paid** to **Partly paid**), and payments are listed on the invoice page. If an invoice is fully paid once the transaction is allocated, it’s removed from the Allocate Transactions list.
Before confirmation, you can correct the matching:
- Click and hold the connection point to reset one allocation.
- Click the **Reset all** button to remove all unconfirmed allocations.
### FAQs
**Is there automatic reconciliation?**
Right now, you can match transactions to invoices manually. We're already working on the update, [AI-powered reconciliation](https://testingcompany.frill.co/roadmap/ai-powered-reconciliation-for-card-payments), which will automate the process while sending exceptions for review and approval.
**Can I allocate transactions to orders without creating an invoice?**
Soon, you'll be able to add payments directly to POs and expenses—track this update's progress in our [Open Product Roadmap](https://testingcompany.frill.co/roadmap/card-payments-directly-to-po-us-market).
**Can I add an existing card to Precoro?**
In the upcoming updates, we'll add [custom payment methods](https://testingcompany.frill.co/roadmap/custom-payment-methods), allowing you to use existing cards and record payments from them in Precoro.
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- [Precoro Updates](https://help.precoro.com/precoro-updates?hsLang=en#main-content)
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