FAQs

A VCPayNow™ Virtual Card is an electronic MasterCard™ that's delivered via text or email, without a physical card that could be lost or stolen. Vendors process these cards through their standard Point-of-Sale systems for immediate payment. Individuals add the card to their digital wallets (such as Google Wallet, Apple Pay, Samsung Pay, etc.) to use anywhere that accepts tap-to-pay transactions.

Nothing. The service is free to the agency. We will never charge you a cent. We get paid by sharing the card fees with you.

Schedule a meeting today. We are a Service Disabled Veteran-Owned Small Business and can execute a no cost contract today.

Our Virtual Cards come with proprietary security features to prevent interception and misuse. Once a card is used, it expires, rendering it useless to potential thieves. We actively monitor card usage to detect and address fraud, with the capability to recover funds through the MasterCard™ network if fraud is confirmed. We also employ MasterCard's™ Know-Your-Customer (KYC) processes to ensure payments reach the correct recipient.

Agencies can request VCPayNow™ Virtual Cards as part of their regular payment processes. Alongside options like ACH or check payments, agencies can now choose to authorize Virtual Cards. We handle the technical integration to ensure this new option fits seamlessly into existing agency payment workflow.

Any vendor that accepts MasterCard™ can process VCPayNow™ Virtual Cards.

Individuals receive Virtual Card via email or text and can easily add it to their digital wallet with our one-button process. Once added, they can make tap- to-pay purchases at any retailer or online merchant that accepts MasterCard™.

$100. The beneficiary pays no fees and nothing is deducted from the beneficiary’s payment.

VCPayNow™ Virtual Cards can be dispatched instantly via text or email during emergencies. This allows individuals to access funds immediately for necessities like repairs, shelter, clothing, or food, helping them recover quickly.

VCPayNow tells the vendor what the payment is for and what invoices are being paid as part of the payment. No need for a separate communication from the Agency to clarify. If an errant payment is identified, ACHs or checks are very difficult to cancel and claw back. VCPayNow can pull money back even after the vendor has begun spending it. Vendors can log in to check the status of their payments, saving Agency staff time and aggravation. Vendors get paid immediately with no delays or holds that banks levy on ACHs and checks.

We pay cash back monthly or on any schedule you prefer. Unlike some credit cards which hold money until the end of the year, we send cash back each month with an itemized report detailing what was paid, to whom and what the cash back was on each transaction.