Virtual Card Express – Highnote

Overview

Virtual Card Express (VCX) is a standalone hosted application for issuing and managing virtual cards, designed specifically for accounts payable (AP) and invoice payment workflows.

It provides a secure, PCI-compliant environment, removing the need for subscribers to build and certify their own card issuance solutions. VCX is a secure and programmatic virtual card issuance that scales and only requires only a single integration.

Primary use cases

VCX is designed for platforms and businesses that manage supplier or B2B payments, including:

AP automation platforms
Invoice-to-pay and payout providers
B2B marketplaces and logistics platforms
Financial platforms that manage supplier payments

User Roles

VCX uses two primary roles for your team: Administrator and Agent.

Administrator: As a manager of the VCX instance, an Administrator can manage Agent access, set up card programs, and generate reports. Administrators are responsible for inviting new users to the platform.
Agent: Agents are the users who issue virtual cards and monitor their transactions. They can only view the cards that they have issued.

Core Capabilities

1. Set Up Your Team (Administrators)

As an Administrator, you can build out your team by inviting users to become Agents in VCX. You have the ability to grant or revoke their access at any time.

Administrators can configure custom fields for their organization when a card is issued.

2. Issue and Manage Virtual Cards (Admins & Agents)

Once your team is set up, you can begin issuing virtual cards immediately.

When you create a card, you can set its:

Amount
Expiration Date
Designated custom fields

To find specific cards, you can view a list of all cards created and filter them by:

Card's Last 4 Digits
Issuance Date
Status
Amount
Issuing Agent

3. Track Card Activity (Admins & Agents)

VCX provides clear visibility into all card activity.

Transaction Details: You can view the full lifecycle of any transaction, including all relevant details from the payment network.
Reporting: You can generate and export a Transaction Activity report for your records.

Get started

Whether you’re looking to get a program live in days or designing a fully customized AP solution for the future, VCX gives you a way to move forward now and evolve as your needs grow.

To learn more about VCX, please visit: highnote.com/solutions/ap-automation, or get in touch with our team.