How does FINSYNC Pay compare to virtual cards? Compare the benefits of FINSYNC Pay vs. virtual cards and decide for yourself.


There are so many different payment and credit card options available to small businesses. It can be difficult to keep track. Virtual cards are an electronic version of a payment card that is authorized to conduct transactions on your behalf. 

Though the use of virtual cards may be easier than carrying a physical wallet to pay with your credit card. There are several disadvantages to virtual cards that can be detrimental to your business. 

Luckily, FINSYNC Pay is presenting a new option that avoids the common problems businesses face with virtual cards. Let’s compare FINSYNC Pay vs. virtual cards to see which provides a greater advantage for your business.

What are Virtual Cards?

In recent years, many startups have attempted to establish a market around virtual cards. Some of which integrate with accounting software. Users can generate a “new” card for each bill. Virtual cards are single-use, so each new bill requires another card to be generated. In other words, virtual cards are designed so that a vendor can charge it once and once only.

While virtual cards provide an extra layer of security, they’re not very convenient for the vendor or the customer.

Disadvantages of Virtual Cards

As a small business, the biggest disadvantage to virtual card technology is that you have to generate a new card and offer it to your vendor every time you want to make a payment. A strong process needs to be in place for firms that use virtual cards regularly or unpaid bills may start to cause headaches.

Introducing FINSYNC Pay

Not only does FINSYNC Pay provide the benefit of using a charge card as a source of funds without revealing your credit card information, it also allows credit card payments to vendors who don’t traditionally accept card payments. A FINSYNC Pay user simply sends an email to the vendor requesting to make a payment. For the first transaction, the vendor can accept the payment in just a couple minutes, while subsequent payments to the same vendor can be processed in a matter of seconds.

Advantages of FINSYNC Pay

Where virtual cards offer security with a heavy administrative burden, FINSYNC Pay provides capabilities that small businesses may not even realize they need. 

  1. Pay Cash-Only Vendors with Credit Card

FINSYNC Pay enables you to pay cash-only vendors with your credit card. It doesn’t matter if it’s your landlord or your coffee supplier. With FINSYNC Pay, you can charge virtually any business expense to your credit card. That means more cash in your pocket and more ways to maximize control over your cash flow. 

  1. Maximize Control Over Your Cash Flow

For small businesses, managing your cash flow is critical to success, and the difference between dipping into the red and having a cash cushion at the end of the month. Let’s say, for example, that you land new business with a customer who wants to pay you in 30, 60 or even 90 days. Without careful cash flow management, you could end up without enough cash in the bank to compensate your team. 

FINSYNC Pay gives you the option to use your credit card for vendor payments so that precious cash can be allocated to payroll. This can be especially helpful if your business has irregular income.

  1. Simplify Your Business Finances

Business payments are difficult enough to manage properly, but when one vendor prefers ACH, another prefers a check in the mail, and another accepts card payments, managing your business finances can be a nightmare. 

FINSYNC Pay gives you more options and enables you to simplify your payments, which simplifies your finances and makes it easier to pay your vendors and manage your cash flow.

  1. A Great Experience for You, A Great Experience for Your Vendors

FINSYNC Pay makes it easy to quickly pay your vendors. From any connected device, your vendors get complete clarity about what you’re paying for and when they’ll have funds available in their connected account. FINSYNC Pay is also the only tool that allows a streamlined B2B payment by credit card even if that business isn’t set up for merchant processing.

FINSYNC Pay or Virtual Cards: Which is Better for Small Business?

When it comes to small business finances, FINSYNC Pay is the clear winner over virtual cards. It makes it easy to sync up with your vendors, and facilitates simpler, more secure payments.  

FINSYNC Pay also integrates payments within your accounting software. Enabling you automate accounting, track income and expense trends, and a whole lot more.

If you’re seeking enhanced payment security, don’t encumber your team with virtual cards. Choose FINSYNC Pay instead and seize control of your cash flow.

Try a 7-day free trial of FINSYNC’s payment plan.