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Pay online with a virtual card

You can pay online using your Spendesk virtual card by revealing its card details and entering them at checkout, like you would with any other card.

Before you start

  • You need an approved virtual card request before you can pay online. See Request a virtual card.

  • Add and verify your phone number in your Spendesk profile. Online payments may require 3D Secure (3DS) confirmation, which uses this number.

  • Revealing full card details may require Strong Customer Authentication (SCA) for companies based in the EEA or UK, using a one-time code (SMS) or your authentication app.

Get your virtual card details

  1. Navigate to Cards > Virtual.

  2. Find your card in the list.

  3. Click "See card details".

  4. Complete the authentication step if prompted (SMS code or authentication app).

  5. Your card number, expiry date, CVV, and billing address are displayed.

💡 Tip: Card appears under the Single Use Cards, Subscriptions, or Multi-use tab depending on the card type you requested.

Enter your card details at checkout

  1. Copy the card number, expiry date, and CVV from the card details screen.

  2. Enter these details in the merchant's payment form.

  3. Enter the billing address and VAT number if the merchant requests them.

  4. Complete the 3D Secure (3DS) confirmation if your bank or the merchant requests it.

Choose the correct billing address

Some merchants ask for your billing address or VAT number during checkout. You can find this information below your virtual card's details. Enter the exact billing address shown there.

Entering the wrong billing address may cause your payment to fail, or the merchant may block your card to prevent fraud.

👥 Roles: Only Account Owners and Administrators can update the company's billing information, from Settings > My Spendesk plan > Billing Information.

After your payment

Once your payment is successfully processed, you can find it under All expenses.

Troubleshooting

Symptom: Your online payment is declined.
​Cause: Declines can happen for several reasons, including an insufficient card or wallet budget, an incorrect billing address, a 3DS authentication issue, or merchant-side restrictions.
​Resolution:

  1. Check your card's available budget and top it up or request a new card if needed.

  2. Confirm the billing address and cardholder name match exactly what's shown on your card details.

  3. Make sure your phone number is verified and complete any 3DS prompt in the Spendesk mobile app.

  4. See Reasons for failed payments for a full breakdown of decline reasons and next steps by card type.

  5. If the issue persists, contact support via the chat box in your Spendesk account.

Symptom: A payment stays "Pending" for a long time.
​Cause: The merchant hasn't yet confirmed or settled the transaction.
​Resolution: See Remove/Cancel a 'pending' or 'confirmed' transaction from Spendesk for expected timelines and next steps.

FAQ

What should I do if my payment fails?
Check that your billing address and cardholder name are correct, and that your card has enough budget. If the payment still fails, see Reasons for failed payments or contact support via the chat box in your Spendesk account.

How can I update my billing information?
Only Account Owners and Administrators can update the company's billing details, from Settings > My Spendesk plan > Billing Information.

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