Frequently Asked Questions about managing your existing virtual cards in the Visa Commercial Pay App. If you need help creating a virtual card, click here.
Your Corporate Administrator sets any mandatory customer data fields. Common examples of these are fields for a cost centre, project code or job number.
If you are unsure of what to enter, contact your Corporate Administrator for more information about what information they need you to enter in these fields.
Double check you have entered the billing address details accurately within the supplier’s website. If the billing address you entered is correct, contact your Corporate Administrator who can validate the address. If the billing address needs correcting, the Corporate Administrator can contact Visato have this updated.
Tap and hold your finger over the card details on the card image to copy the values, such as card number, expiry date, card-holder name and security code, to your clip-board. You can then switch to your other app and paste the details there.
You will need to copy and paste one value at a time.
eCommerce virtual cards can be used to purchase goods or services online. For example; adding a bag during a flight check-in, buying travel insurance, pre-booking airport parking, ground transfers, creating a card for use in a ride sharing app, or ordering some food online if you’re working late.
To make the payment, copy and paste the virtual card details in the same way that you would enter details from a physical card.
You will need a separate eCommerce virtual card for each supplier you pay.
If you need to make payments on the go at multiple Merchants, you will need to create a Digital Wallet card.
You can use virtual cards that are added to your Apple Pay or Google Pay Digital Wallet at the point of sale for in-store purchases or in-app purchases where accepted by the Merchant.
You do not need to create a Digital Wallet card for each purchase. Digital Wallet cards are typically created for an entire trip period and can be used at multiple Merchants during your trip.
You can cancel virtual cards that are in a Pending Approval or Active (Deployed) status in the app. To cancel a card, tap Manage in the top-right of the screen and then Cancel Card . You will be asked to confirm the cancellation request. Team Admins can also cancel a Team Member's card in the app in the same way.
You cannot modify a virtual card that you have created.
Your Corporate Administrator may have automatically associated some Custom Data Field values to your profile, to speed up creating virtual cards. You can edit or remove these values from your profile screen.
You can also simply type over the prefilled values when you create the card, if you want to enter different information.
Visa supports a list of pre-defined suppliers you can quickly associate to your spend.
If you cannot find your specific supplier in the list you can simply tap the first result in the supplier listing which reflects what you have typed into the search bar. This will be used as the supplier on your purchase.
The Visa Commercial Pay App is only compatible with Google Pay on Android devices. If you usually use an alternative to Google Pay, you will need to update your settings on your device to use Google Pay as the default in order to use your Visa Commercial Pay virtual cards. You can change the settings back after using your Visa Commercial Pay card if you prefer.
The specific instructions to change your digital wallet settings vary by device. In most cases, you will find the setting under "NFC" or "Default Payment App" in your device settings. If you are unable to find where to update this, please follow the instructions for your specific device, provided by your device manufacturer.
On your device, navigate to: Settings > Wallet & Apple Pay > Transaction Defaults > Default Card
You will be presented with a list of all the cards you have available in Apple Pay. Your current default payment method will indicated by a tick next to the card.
Select the card you want to use for your trip. You can identify the correct card by comparing the last 4 digits presented in Apple Pay and in the Visa Commercial Pay App.
The default card under Transaction Details will show your selected card. It will also be the first card displayed when viewing your Apple Wallet
Your virtual card will now be used any time you hold your device near a contactless terminal. You can follow the same steps at any time to change your default payment option to a card of your choice.
If you normally use Apple Pay for personal spend then make sure to either change your default payment method back or select your personal card before paying.
You may want to change your default payment option in Apple Pay before your trip to make sure you don't use the wrong card. Your default card will be used automatically any time you hold your device near a contactless terminal.
Alternatively, you can manually select the correct card each time you make a payment. To change your default payment method, go to Settings > Wallet & Apple Pay
Open the Google Pay App on your device.
Swipe through your available cards and find the virtual card you want to use for your trip: You can identify the individual cards by the last 4 digits presented in Google Pay and in the Visa Commercial Pay App.
Once you have found the card you want to use, tap it to access more details and toggle the "Default for contactless" switch to ON. Your virtual card will now be used any time you hold your device near a contactless terminal.
You can follow the same steps at any time to change your default payment option to a card of your choice.
When your virtual card expires it will be automatically removed from Google Pay and the default payment method will revert to the first card in Google Pay.
If you normally use Google Pay for personal spend then make sure to either change your default payment method back or select your personal card in Google Pay before paying.
You may want to change your default payment option in Google Pay before your trip to make sure you don't use the wrong card. Your default card will be used automatically any time you hold your device near a contactless terminal.
Alternatively, you can open the Google Pay app and select the correct card each time you make a payment
You can see the available to spend balance within the Visa Commercial Pay App when navigating to the virtual card from the App home screen. The Digital Wallet available balance is a real-time view based on your committed spend.
The Digital Wallet service provides both real-time payment notifications and balance updates because the payment networks are updated in real time for this payment method. The Visa Commercial Pay platform works closely with the payment network to use the information to update the Visa Commercial Pay App.
Because eCommerce merchants do not usually update the payment networks in real time, it is not possible for the Visa Commercial Pay App to provide the same real time information for eCommerce cards.
The most common reasons a Digital Wallet transaction is declined are:
The card isn’t active: you’ve tried to use the card before it’s been activated or after it’s been deactivated. You can check the Visa Commercial Pay App for more details.
Insufficient funds: you can check the Visa Commercial Pay App for your available balance.
Merchant has been blocked: either Visa or your corporation has blocked the category of merchant.
It is possible to receive a declined transaction at the point of sale when the Visa Commercial Pay App has not declined the transaction. This could be a network issue or the Merchants acquirer does not accept the type of card. These automatic declines happen without contacting the Visa Commercial Pay platform and are not controlled by Visa Commercial Pay.
Digital Wallet cards are remotely deactivated 12 hours after the deactivation date.
The Visa Commercial Pay App allows this 12 hour period for delayed merchant authorisations or travel delays. For example, some travel merchants like metro systems often initiate authorisation after midnight.
The additional 12 hours doesn't allow for any additional spend above the card's maximum limit.
Once a virtual card has been created, if it can be added into a Digital Wallet, the Visa Commercial Pay App will display either Add to Apple Wallet or Add to G (Google) Pay. This option will disappear once the card has been added to all available devices.