Citi® Virtual Card Accounts

  • Maximum program control and flexibility
  • Tailored authorization controls
  • Enhanced data capture for robust reporting
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Citi® Virtual Card Accounts (VCA) is an electronic payment solution that enables clients to leverage plastic-less, virtual cards for secure vendor payments. Each account can be customized with client-specified parameters and enriched data to increase control, reduce fraudulent charges and drive automation. Three available interfaces — an easy-to-use website, batch-file process, or real-time web services — support a diverse set of purchasing needs. All these features are underpinned by local-currency capabilities in over 40 countries therefore maximizing buying efficiencies for global organizations.

This Card is Best For:

Companies & Organizations seeking a versatile solution for centrally managed payments which offer robust controls and real-time capabilities. VCA has a global footprint enabling local-currency payments in multiple markets and enriched transaction data for detailed reporting and automated reconciliation.

Program Administrators seeking ways to drive commercial card spending growth across diverse business lines and supplier types, while helping to reduce risk exposure and drive automation.

Employees requiring a consistently available payment tool for card not present transactions that is simple to use.

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As a leading global commercial card issuer, Citi is committed to providing optimal benefits and services to meet our clients and cardholders’ needs, including customized solutions to help organizations achieve strategic and financial objectives.

24/7 Customer Service Help Line

Available 24 hours a day, 7 days a week, 365 days a year in 25 languages

Implementation Support

Citi provides its clients with the global and regional resources required to help ensure the success of their programs, including an experienced Implementation Manager who is responsible for developing a comprehensive implementation strategy.

Card Optimization Consultation

Through Citi’s Card Program Optimization consultative service, organizations can identify ways to enhance their purchasing card program. Whether you have a small or large, simple or complex program, Citi can analyze your organization’s spend and make recommendations on how to increase cost savings and efficiencies within your card program.

Dedicated Account Management

Citi helps companies and organizations get the most out of their Commercial Cards program with a dedicated Account Manager who provides support on implementation, ongoing cardholder management and consultative advice for your program based on industry best practices.

Fraud Protection

If a potentially fraudulent transaction is detected, Citi clients benefit from a notification, allowing cardholders to take action even while they are on-the-go.

Reporting, Administrative & Online Tools

Citi expertly provides secure and robust on-line tools to simplify your program and account management.

Citi’s dynamic reporting tools provide you with access to our global data repository, consolidating all your organization’s card transaction data. Citi’s reports and files can integrate seamlessly into your financial system to deliver robust reporting or be downloaded directly from the Citi-owned reporting functionality.

Our user-friendly online CitiManager portal provides Cardholders and Program Administrators access to review account statements 24 hours a day, seven days a week, through a number of channels and devices. It also offers advanced program management capabilities including the ability for authorized users to apply for and modify card programs and account limits as well as review, reconcile and make payments.

Our continued investment in innovation provides you with Citi tools across the globe to support a consistent user experience.



Manage your program or account via a globally consistent online tool.
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Case Study

Citi® Virtual Card Accounts: A Catalyst for Growing Your Purchasing Card Program

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