Emerge offers three types of cards to suit different business needs: Virtual, Physical, and Online cards. Each is designed for specific use cases, helping you manage your payments with flexibility and security. Here’s how they compare and when to use each.
Virtual Cards: Fast, Free & Perfect for Everyday Spending
Best for: Day-to-day business expenses, online purchases, and contactless payments.
Virtual cards are the easiest and fastest way to start spending with Emerge. They’re free, instant, and secure, with all your card details stored directly in the app. Whether you’re making an online purchase or tapping to pay with your phone, virtual cards offer maximum convenience.
Why use a Virtual Card?
Instantly available – No waiting for a physical card to arrive.
Works with Apple Pay & Google Pay – Tap to pay straight from your mobile.
Secure & easy to manage – Lock, freeze, or replace your card instantly in the app.
Perfect for online shopping – Keep your business transactions organized.
Physical Cards: A Virtual Card, but in Your Pocket
Best for: In-person payments, travel, and businesses that prefer a physical option.
Physical cards come with all the same benefits as virtual cards but give you the flexibility of a real card in hand. If you frequently travel, dine out, or visit places like hotels that require a physical card for check-in, this is the way to go.
Why use a Physical Card?
All the perks of a virtual card – Works with Apple Pay & Google Pay.
Essential for certain transactions – Some hotels, rental companies, and merchants require a physical card.
Great backup – Even if you primarily use virtual, having a physical card can be handy.
Sleek & professional – Looks great when you need to hand over a card in person.
Online Cards: Built for Subscriptions & Ad Payments
Best for: SaaS subscriptions, digital advertising, and online platforms.
Online cards are designed for payments on platforms where other card types might not work. If you're running ads on Meta, Google, TikTok, or paying for services like AWS or other SaaS subscriptions, this is the card to use.
Why use an Online Card?
Specifically for digital services – Ideal for online ad platforms and recurring business expenses.
Prevents unnecessary spending – Not meant for everyday use.
Extra layer of security – Keep these payments separate from daily business spending.
Cannot be added to Apple Pay or Google Pay – Used strictly for online transactions.
Which Card Should You Use?
For everyday expenses? → Virtual Card.
Need a physical option for travel or in-person transactions? → Physical Card.
Paying for ads, SaaS, or online services? → Online Card.
Each card type is designed to give you more control over your business spending. Whether you need instant access, a physical backup, or a dedicated card for online payments, Emerge has the right option for you.
Get started today – Set up your cards in the Emerge app and start spending smarter.