Trending December 2023 # How To Choose A Construction Credit Card Processor # Suggested January 2024 # Top 17 Popular

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Selecting a credit card processing company presents a unique set of challenges when you own a construction business. Because of construction’s project-based nature, payments are often large and intermittent. Plus, you may want to accept card payments in various ways to make it convenient for clients to pay you. For example, in addition to accepting credit card payments over the phone and in person, you may want to accept card payments online via invoices and in the field using a mobile POS system connected to your phone. 

While much of the information here can apply to any business, we’ll look at special considerations for construction businesses when choosing a credit card processor, including what to look for in contracts, rates and fees.

Here are seven tips for choosing a credit card processor for your construction business.

1. Get a merchant account.

There are two main payment processor types. Most processors are ISO/MSPs that you can set up with your merchant account. This type of processor is best for companies that process more than $3,000 per month and those with varying transaction amounts, so it’s likely the best fit for your construction business.

The other type of processor is a merchant aggregator or payment facilitator. These companies sponsor multiple businesses under their master merchant accounts. Businesses that process less than $3,000 per month may save money by working with this type of processor because it usually charges a flat rate with no monthly or annual fees. However, aggregators tend to be more risk-averse than ISO/MSPs, and irregular transaction amounts can trigger a fraud alert that causes the processor to freeze your account.

Editor’s note: Looking for a credit card processor? We can help you choose the one that’s right for you. Use the questionnaire below to receive information from a variety of vendors for free:

2. Be upfront about your transaction amounts and volume. 

When you’re calling for a price quote, the credit card processing service’s sales rep will ask you what your average ticket (invoice) size is and the dollar amount you process – or anticipate processing – each month. 

It’s important to be as accurate as possible with these numbers so the rep can give you accurate pricing. And, if you decide to proceed with the company, this information will help the rep set up your account correctly. If you have an irregularly large transaction coming up, or if your business is busier than average and you anticipate processing a higher volume of transactions, you can call the processor ahead of time to get approval.


POS systems for small construction businesses can add payment flexibility and speed up your project’s workflow. Check with your potential payment processor about its mobile POS offerings.

3. Choose a company that offers month-to-month service.

When it comes to a contract, you’re seeking the same quality other small businesses look for in a payment processor: no lengthy terms. This is important because if the processor’s services end up not being a good fit for your business, you can close your account without penalty.

Processing contracts typically have three-year terms and charge expensive early termination fees if you cancel the service before the term expires. It’s important to read the contract to verify the term length, cancellation procedure and applicable fees before signing with a company. 

When you request the contract to review, the sales rep may send the application only; however, this is only one part of the contract, so you may need to specifically request the terms of service and program guide. The program guide is typically where the information regarding the cancellation policy resides.

4. Request interchange-plus pricing. 

Industry experts recommend the interchange-plus pricing model. However, many of the sales reps you call will quote you the starting rate for tiered pricing – also called the “qualified rate” that only applies to regular cards you accept in person – so you may have to specifically request an interchange-plus rate.

Some sales reps may discourage you from choosing an interchange-plus plan because the company makes less money with it than with a tiered pricing plan. Others may have specific prerequisites before you qualify for their interchange-plus plans. For example, they may require you to process a certain transaction volume each month or be a customer for a certain amount of time. However, the best credit card processors offer interchange-plus pricing to all their customers without these restrictions.

Another reason to opt for interchange-plus pricing is that it gives you a level ground for comparing quotes. This pricing model is based on interchange – a table of rates set by the card networks – and everyone pays the same amounts. The processors add a markup to these rates, and that’s the rate you’re quoted, so you can easily see which companies offer you the lowest rate.

Tiered pricing is difficult to compare because processors add markups to the interchange rates and then sort them into tiers. The number of tiers and the types of cards and transactions sorted into each one vary by processor. However, many have three tiers for credit and debit cards: qualified, mid-qualified and nonqualified.

5. Find out about fees.

Credit card processing fees include monthly statement and gateway fees, plus an annual PCI compliance fee. Processors will also charge a monthly minimum. Additionally, there are standard incidental fees (batch, voice authorization, AVS, chargeback, retrieval and NSF fees) and network fees (APF, FANF, NABU and data usage).

When you call for a price quote, request a fee schedule. Once you’ve narrowed down the companies you’re considering to your top three or four choices, ask them to send you a complete contract to review – including the application, terms of service and program guide. 

Read the entire contract, highlight or list all the fees it mentions, and compare it to the fee schedule. If fees weren’t disclosed or sound odd, ask the sales rep about them and see if they’re willing to waive them. If they are waived, ensure you receive a waiver or an amended contract.


If you’re growing your construction firm, business is seasonal, or there are months when you process fewer payments than usual, look for a processor that doesn’t have a monthly minimum requirement.

6. Look for a processor that offers level 2 or 3 processing.

When you accept a credit card from a consumer, it’s processed as a level 1 transaction, which requires minimal information to process. However, if your clients are often other businesses, and they pay you using corporate cards, you’ll pay higher processing rates unless you provide the processor with additional data about the transactions. 

For level 2 processing, you’d need to provide your customer’s billing address, customer code (or purchase order number) and tax amount. For level 3 processing, you’d also need to include an invoice number and a description.

7. Use a processor that accepts high-risk businesses.

From a payment processor’s perspective, construction is a high risk because of the high invoice amounts, irregular payment spacing, number of industry regulations and the fact that customers may make card-not-present transactions. 

Credit card processing in high-risk industries isn’t appealing to many payment processors. Look for payment companies with experience doing contractor credit card processing, as these companies will be less likely to freeze your account when they see seemingly randomly spaced large sales. 

8. Ensure payment security is in place.

In today’s technological world, ensuring the services and tools you use are secure is paramount. This is especially true when searching for a credit card processor. A payment security breach could be devastating to a contractor, so make sure the credit card processor you choose is adhering to the Payment Card Industry Data Security Standard (PCI DSS). This set of standards helps protects users and businesses from potential fraud.

Other considerations

When you’re talking with a sales rep, verify that the processor can set you up to accept payments in various ways: on the go, over the phone and online. You also want to see if the processor can support you with accepting ACH payments and other electronic payments, such as e-checks, which gives customers more flexibility.

Many payment processors integrate with the best accounting and invoicing software, so be sure the processor you choose can work with the software you’re already using. You may even be able to add a payment button to your electronic invoices, helping your customers quickly pay online.


According to the PwC Working Capital Report, it takes construction businesses an average of 83 days to receive payment. Accepting credit cards can shorten this time to less than a week.

Recommended credit card processors for contractors and construction

Here’s a glance at credit card processors that work well for contractors and construction businesses. 

CompanyPricingMonthly feeGood becauseStaxInterchange-plus or flat monthly price subscription modelMonthly plans starting at $99Low rates; online invoicing and recurrent billingProMerchantInterchange-plus with monthly fee or flat rateCustom quote requiredAccepts high-risk merchants; quick approval decisionPayment DepotInterchange-plusPlans $49-$199 per monthAccepts high-risk merchants; good for high volume; mobile processing


For more information on these processors, read our ProMerchant review, our Payment Depot review and our review of Stax.

You're reading How To Choose A Construction Credit Card Processor

Trak, A Mobile Credit Card Reader For Ios

I don’t know if you’ve noticed, but we’re big fans of Kickstarter here at iDB. And it seems that Kickstarter project creators like us, too. Apparently, thanks to iDB, a few thousand dollars have been raised for various Kickstarter projects, and we’re pretty proud of that.

Today, we sit down with Keith White and talk to him about Trak, a mobile credit card reader for iPhone and iPad he intends to launch with a little help from Kickstarter.

In just a few words, what is Trak?

Trak is the next-generation mobile POS credit card reader device and app for iPhone, iPad, and Android devices. Trak reader is ultra thin and small enough to fit into your pocket. It’s pretty sleek-looking too.

How did you get the idea of Trak and why did you start this project?

In September 2010, I developed a multimedia mobile entertainment content platform to help Sony Music monetize its large digital music catalogue on a mobile carrier’s 3G wireless network in Latin America. During that period, a lot of industry buzz and hype was around mobile payments, especially near-field communications (NFC). I liked the Square business model better and saw market opportunities Square was not addressing. So I decided to create Trak to address the void.

Do you have a background in product design?

No, I do not have a background in electronic product design, but I have a good sense of really good designs and I have a great team of designers around me. Not to mention I oversaw the website design and development of one major video portal in 2008.

Who is helping you out with this project?

Your goal is to raise $20,000. How do you expect to get there?

Yes, $20,000 is the minimum goal. The goal will be reached by individual consumers and readers pre-ordering and making a pledge on our Kickstarter page. Pledges start at $5, and for as little $25, $50 or more, backers will receive the Trak reader first edition before public launch. We think it’s the coolest-looking and aerodynamic card reader on the market.

How different is Trak from similar products like Square?

Square’s reader is unencrypted, meaning it lacks security in the reader or at the card swiping level to protect customer’s card data from theft and tampering. Lacking this security at the reader level can expose the customer’s card and merchant’s data to risk. Trak has encryption at the card reader level to fight fraud and card data theft.

Square charges a 2.75% per swipe transaction fee. Trak swipe fee is 2.5%. Trak offers an ambient sensor light to alert the merchant when the card has been swipe successfully, Square does not.

Trak connects through the 30-pin connector slot at the bottom of your iPhone and iPad. Square connects through your headphone jack and you have to have the volume on the phone set to high or the Square reader want transmit the signal for the transaction to the device.

Often times you have to swipe the Square reader multiple times for the card to be read successfully. Trak does not have this problem. There are other attractive features that I can share with you at a later date.

When will Trak enter production?

I can only say that we expect to launch in late Q1 or early Q2 of 2012. Anyone can participate in our early beta test by going to our Kickstater page and there is a pledge level for beta testers.

How much will it cost?

The first edition of the Trak reader can be pre-ordered now for $25 on Kickstarter and the app will be free.

Where will we be able to buy a Trak?

Trak will be offered online at our chúng tôi web site. We have not launched the site yet, as we are still in stealth mode and will have many more details and goodies to reveal at a later date. We are also talking with a few national retailers about Trak being sold through their stores. More information to be announced about this at a later date.

As Keith mentioned above, pledges start at $5 and go all the way to $250. Those of you who decide to invest in this project will receive the first version of the Track reader once its made available. Please make sure to visit Trak’s Kickstarter page for more information.

An Apple Credit Card Review: Is It A Good Deal?

Apple has created a credit card. For people who mainly think of Apple as a computer (or phone) company, this might be a surprise. However, Apple isn’t so much a technology company as it is a brand that sells a particular viewpoint on how things should look, feel and work. So, in principle, an Apple credit card isn’t all that strange. Apple believes they’ve reinvented the traditional credit card but is it a good deal in real life?

We took a hard look at what the Apple credit card offers on paper and scoured sites like Reddit and social media to get a feel for the day-to-day troubles people have run into using this Titanium card. 

Table of Contents

So if you’re tempted to get in on the shiny new (card-shaped) thing from Apple, read this first to make sure you know what you’re in for.

Apple Credit Card: What’s the Deal?

Why should anyone want to have an Apple credit card instead of a traditional card from established banking institutions? There are a few core value propositions the Apple credit card brings to the table that can be summarized as follow:

Total integration and dependence on iPhone

Integration with Apple Pay

Clear and intuitive dashboard for payments and interest

Very favorable interest rates (if you can get them)

Cashback (with higher rates for Apple and partners)

Interest-free terms on Apple devices

Apart from that, the physical card itself is a typical Apple piece of engineering. Minimalist and made from titanium, the card is unlikely to ever wear out. However, in this article, we don’t care about the physical card, but rather the deal as a whole. So let’s discuss these value propositions in more detail.

iPhone Integration (For Better or Worse)

One unique aspect of the Apple credit card is its reliance on the iPhone. If you don’t have an iPhone, you can’t get an Apple credit card.

The card itself is just an extension of a digital wallet system that exists on your phone. It has no credit card number on it and is virtually blank. The physical card essentially gives you a way to pay if Apple Pay is not available. This means getting 1% cash back instead of 2%. Sure, the titanium card is gorgeous and cool, but it’s not the point at all.

The Interest Advantage of the Apple Credit Card

Apple says that their card is different since it incentivizes you to pay less interest. This seems a little counterintuitive because credit card companies make money from the interest you pay on your borrowed credit.

Apple has gone out of its way to show you exactly when and how to pay to avoid interest on your outstanding balance. You also only pay for the portion of the balance you elect not to pay. This isn’t all that different from how most credit cards work. If you borrow money from a credit card over short periods and pay it back within a certain time frame you don’t accrue any interest.

The main difference here is Apple shows you the numbers that let you minimize interest payments, rather than keeping those hidden out of sight.

The Apple credit card is notable for more than just how transparent it makes interest calculations. Apple is also offering some of the lowest interest rates in the market for a cashback credit card. 

While your potential interest rates are pretty low overall, how close you get to the lowest possible interest rate will depend on your credit rating and the algorithm that Apple uses to determine card limits and interest rates.

Cashback Rewards

Speaking of cashback rewards, Apple has a rather unbalanced solution in place. If you buy Apple products or make Apple Pay purchases from partners, the cashback rewards are substantial. If you buy things outside of this partner network, there are cards out there that offer better returns on average. 

So whether the Apple credit card is a good deal strongly depends on whether you’re a frequent Apple customer, use Apple Pay regularly, or shop at retailers who are part of their partner network.

The Apple Gadget Advantage

If we’re being honest, one of the main reasons that Apple likely came up with their credit card is so that they can sell more Apple stuff to people. Since you need to own an iPhone to have the card, only people who are already in their ecosystem will qualify. 

Apple offers to sell you Apple products using their card at no interest at all. In other words, you’re getting your Apple gadgets at the cash price, but on a payment plan. Not all products are eligible and the maximum repayment period varies, with 24 months being the longest possible.

The Goldman Sachs Connection

While the card is boldly emblazoned with the iconic Apple logo, you’re probably not surprised to hear that Apple hasn’t become a completely independent financial institution. Their card is backed by Goldman Sachs. 

While there’s nothing wrong in principle with this move, anyone who is considering applying for their card should know who they are doing business with. There have been stories in the media raising privacy concerns and potential issues of discrimination by algorithms when it comes to determining interest rates. 

If you aren’t happy with how Goldman Sachs does business, then you won’t be happy to own an Apple credit card.

Who Is The Apple Credit Card Good For?

Let’s get the main issue out of the way first. If you aren’t already an iPhone user or someone who’s going to be sticking with the iPhone and the Apple ecosystem over the long term, the Apple card simply isn’t worth it. Sure, it has no annual fee, but in reality, the cheapest iPhone costs $400. So make of that what you will.

Since you’d have to first invest in an iPhone, which isn’t cheap, the rewards don’t justify it. If you’re looking for a way to get your Apple fix for the best prices, the card becomes much more attractive. The interest-free payment plans on Apple gadgets are an amazing offer. You also get a further 3% cashback on repayments towards the device.

The same goes for Apple Pay purchases. If you’re already using Apple Pay in your daily life, then the card offers great benefits. If no one in your usual selection of retailers offers it, there’s little reason to use the Apple card.

Another issue that might be a problem for many people is the fact that Apple does not allow for more than one person to be authorized to use the card. So if you wanted a second card for a spouse or child, you’re out of luck without that person buying their own iPhone and applying for their own Apple credit card.

How To Choose A Reputation Management Service

Managing your company’s online reputation effectively can build consumer trust, increase your profits and attract better talent.

Find a reputation management company that uses white hat strategies.

The cost of reputation management services varies from a few hundred to several thousand dollars per month, depending on the strategies employed.

This article is for new and seasoned business owners who are considering professional guidance for building, improving or maintaining their online reputation.

Businesses and consumers frequently use the internet to find new products or services or to research a company they are considering giving their money to, so it’s important for businesses to manage their online reputation. Having a bad online image, or no online presence at all, is detrimental to your company and deters customers from purchasing your products or services. Many businesses are using online reputation management services to boost their online credibility.

Online reputation management companies counter negative online content, promote positive reviews and articles and, in some instances, help control crises. If you’re looking for an online reputation management service, this guide explains what these services offer and how to choose one suited for your business and your goals.

Did You Know?

Some of the strategies reputation management services use are designed to draw more traffic to your website, encourage positive online reviews, monitor review sites (consumer or employee) targeting businesses and keeping an eye on what your competitors are doing.

Key Takeaway

Using reputation management to maintain a positive online reputation can yield increased consumer trust, more profits and access to better talent.

How much do online reputation management services cost?

The cost to hire a service varies greatly depending on which strategies your business needs. A few companies have preset service plans with fixed rates but many agencies provide customized services. Therefore, pricing is dependent on the strategies the service prescribes to clients.

Most reputation management firms conduct an online analysis of your brand first to determine which strategies will serve you best. After this initial analysis, they prepare a cost estimate to implement these strategies. Prices can run anywhere from a few hundred to several thousand dollars per month. It depends on the work required to repair and maintain your online image. You can also adjust — adding or removing — services as needed.

Pay close attention to whether the service requires a contract. Some companies have contract terms that span three, six or 12 months while others are on a month-to-month basis, and you can cancel at any time with no penalty.

How to choose an online reputation management service

Here are some tips to help you choose an online reputation management service that is best suited for your business.

1. Ascertain your needs and goals.

Have a clear understanding of your specific goals before starting your search for an online reputation management service. Is your primary objective to monitor and improve your online presence? Do you want to clean up your social media channels? Are you more concerned about your SEO ranking? Do you need help acquiring and managing online reviews? Businesses’ goals vary and so do the services that online reputation management companies specialize in, so articulate your objectives clearly before contacting firms.

2. Think about customer service.

When you first contact a company, analyze how it treats you. Do its people seem truly interested in working with you? Are the representatives asking questions to better understand your needs, or are they simply putting on a hard sell and not listening to you or your concerns?

Ask whom you will work with if you hire the company. Will you have your own project manager as your point of contact? Alternatively, will you have to call a main number and speak to someone who isn’t fully aware of your business and the work being done on your campaigns? 

When you do move forward with a provider, they should always be transparent and informative about your campaigns. You want a service that delivers honest feedback, updates you on the progress of your campaign and demonstrates that you are a valued client.

3. Do your research.

As part of your research process, don’t just check to see that they avoid what are known as “black hat” practices, which are unethical SEO tactics that can harm your online search rankings.

Google the company to see what others are saying. Also, ask for a list of the company’s clients and contact clients to hear firsthand from them about their experience working with that firm.

Last, look at the company’s website. Does it look professional? Does it have information about its top executives? If it does, research the executives to see if they have a positive online image.


As part of your process for choosing the right online reputation management service, establish your reputation needs and goals, contact the service to assess the level of customer research and research what others are saying about the service and its representatives.

13 Best Free Virtual Credit Card/Debit Cards In Usa (2023)

Best US Virtual Credit/Debit Cards Online

Ramp provides unlimited virtual and physical cards, automated controls and approvals, and smart accounting integrations. The cards come with unlimited 1.5% cashback.

Ramp helps streamline your finances with unique features like automatic HRIS sync, receipt capture, and bill payments. It offers direct Integrations with QBO, NetSuite, Xero, and Sage Intacct. Ramp enables you to control your spending before it happens

#1 Top Pick



Currencies Supports: USD

Security: AES-256

Set Spend Limit: Yes

Set Charge Limit: Yes

Visit Ramp


No Personal Credit Checks or Guarantee

It provides recurring limits and transaction-level restrictions.

Apple and Google Pay support

You can automate 95% of administrative tasks.

Provides international reimbursements in FX

Attractive 1.5% cashback on all your spending.

Easily consolidate and automate manual payments

It provides real-time reporting & insights with one dashboard for all company expenses

It offers best-in-class customer support

Offers automation of manual tasks like receipt collection and expense.

Wise is a online application that allows you to freeze your virtual card after making payment. It enables you to securely purchase online products.




Currencies Supports: USD and INR

Security: AES-256

Set Spend Limit: Yes

Set Charge Limit: Yes

Visit Wise


Available for business or personal use.

Enables you to securely purchase online products.

Provides AES-256 encryption

Support browser extensions for Chrome, Firefox, Safari and Microsoft Edge

Available in 30+ countries including United states, Canada, Brazil, Bulgaria, Croatia, Cyprus, and Singapore

Loading methods like PayPal, Stripe, debit card, Apple Pay and Google Pay

Create 3 virtual cards at a time

Provides 1% cashback on your purchases

Offers Freeze card when needed, spend limit, and single-use cards

It provides customer support via Phone

Supported currencies: USD and INR

Supported Platforms: Windows, Mac and Linux

US Unlocked will allow you to shop U.S. websites from anywhere in the world using our Virtual Payment Cards with U.S. Billing/Shipping Addresses. This payment service is great for anybody wishing to purchase a US service like US Netflix, Hulu, DIsney+ etc..


US Unlocked


Currencies Supports: USD

Security: 128-bit

Set Spend Limit: Yes

Set Charge Limit: Yes

Visit US Unlocked


The company offers 2 types of cards: a one-time use card that cannot be reused after one transaction and a merchant-specific card that locks to a merchant after a transaction.

You can load your account depending on your country (Local Bank Transfer, Sofort, Boleto, Yandex and 14 new load methods.

Provides 128-bit encryption

Support browser extensions for Edge

Available in 180+ countries including India, United states, United kingdom, Philippines, Singapore, and Australia

Loading methods like bank transfers, Deposito Identificado, Sofort, DirectPayEU, eps, giropay, Teleingreso and Verkkopankk

Provides $10 shipping reward on your purchases

Offers spend limit, Merchant locked, and Charge Limit

It provides customer support via Email, Phone, Chat and Contact Form

Supported currencies: USD

Supported Platforms: Mac, iOS and Android




Currencies Supports: EUR, USD, GBP

Security: 3D Secure Technology

Set Spend Limit: Yes

Set Charge Limit: Yes

Visit Wallester


300 virtual cards for FREE

Instant issuance of an unlimited amount of cards

No card issuance fee, no card service fee

European BINs works perfectly with facebook, google, etc

User-friendly app that allows you to monitor expenses, approve transactions and generate reports on the go

Provides an API

Possibility to purchase a personal BIN

Fast registration and standard KYC, approval within 24 hours

Detailed reporting and analytics to track all transactions

Supported currencies: EUR, USD, GBP

Supported Platforms: Web, IOS & Andriod

IronVest is a VCC provider that helps you to protect your payments, bank transactions, privacy, and password from cybercriminals. It enables you to checkout from the phone, browser, or tablet.




Currencies Supports: USD

Security: 256-bit AES

Set Spend Limit: Yes

Set Charge Limit: Yes

Visit IronVest


IronVest can generate a new credit card number for every purchase.

It can sync securely across all devices.

This service can stop secret data collection, block hidden trackers, and more.

You can fill out the online form with just one tap.

It can encrypt your password.

Provides 256-bit AES encryption

Support browser extensions for Chrome, Firefox, Opera and Edge

Available in 20+ countries including US, and UK

Loading methods like Credit Card, Debit Card, and ACH

Provides 1% cashback on your purchases

Supports credit cards like Discover, Maestro, American Express, VISA, MasterCard

Offers spend limit, and charge limit

It provides customer support via Email, Live chat

Supported currencies: USD

Supported Platforms: iOS and Android

Divvy is a service for a virtual card that can be used for online payment. It can make your transactions using a 16-digit card number. This online Debit card company allows you to set a limit on each virtual card.


This online virtual credit card service offers force card expiration dates and the merchant locking facility.

It provides protection from the data breach.

You can delete or free virtual cards.

Divvy helps you to choose the card amount you want, and the funds are loaded on the card from your budget.

You can use cards anywhere.

Provides AES 256, MFA and SOC2 encryption

Support browser extensions for Google Chrome, Firefox and Safari

Available in US

Loading methods like Paypal, Venmo, Zelle and other P2P

Create Multiple cards

Provides 1% cashback on your purchases

Supports credit cards like Virtual and Visa

Offers Freeze card when needed, spend limit, single-use cards, merchant locked, and charge limit

It provides customer support via Email and Phone

Supported currencies: USD

Supported Platforms: Windows, Mac, iOS and Android

Airtm is a platform that helps you to pay money through a virtual card. It allows you to send money online using a real exchange rate. This site allows you to use your dollars to fund your digital card.


You do not require to keep minimum balances.

Enables you to make online purchases in any currency.

It offers cards that can be recharged with crypto.

Allows you to add money from more than 800 banks.

Provides 2FA encryption

Support browser extensions for Chrome, Firefox, Microsoft Edge and Safari

Available in 190+ different countries

Loading methods like debit card and PayPal

Create 5 active virtual cards

Provides 1% cashback on your purchases

Supports credit cards like Visa, MasterCard and American Express

Offers spend limit, and charge limit

It provides customer support via Ticket and Chat

Supported currencies: USD, ARS, VES, COP and INR

Supported Platforms: Android and Windows

Advcash is a virtual service provider that enables you to shop online without any hassle. It allows you to transfer funds to existing visa cards, email addresses, and other users.


You can withdraw money from ATM in any currency.

It allows you to add multiple currencies within a single account.

This platform performs instant exchange transactions without any hassle.

Provides 2FA and SSL encryption

Support browser extensions for Chrome, Firefox and Safari

Available in 150+ different countries

Loading methods like p2p transfers and cards

Supports credit cards like Mastercard and VISA

Offers spend limit, and charge limit

It provides customer support via Contact Form, Email and Phone

Supported currencies: USD, EUR, GBP, RUB, BRL, TRY, UAH, KZT and VND

Supported Platforms: Windows

9) American Express Go

American Express Go is a virtual US credit card provider that offers easy to use an expense solution.

It provides a faster and flexible way for your freelancers, contractors, and recruiters to make payments from mobile.


You can create your virtual card with ease.

It helps you to keep track of all the transactions.

This service enables you to control spending.

Employees of your organization can add funds.

Provides AES 256-bit and 2FA encryption

Support browser extensions for Google Chrome, Firefox and Safari

Available in 20+ countries including US, Canada, UK, New Zealand and India

Loading methods like PayPal and Credit Card

Provides 1% cashback on your purchases

Supports credit cards like Visa, Switch, Solo, Maestro, Mastercard, Electron and Delta debit cards

Offers Freeze card when needed, spend limit, single-use cards, and charge limit

It provides customer support via Phone

Supported currencies: USD, TRY, CAD, SAR, KRW, AUD, BDT, INR, NGN, BSD, PEN and more

Supported Platforms: Windows, Linux, iOS and Android

10) Netspend

Netspend is a virtual prepaid card service provider. It helps you make personalized cards with a unique image and photo. This card service provider sends transaction alters as a text message.


This temporary Credit card service allows you to check your card account balance anywhere, anytime.

You can create a temporary card number with ease.

This instant virtual Debit card provider protects your card, even if someone uses your card.

Netspend cards can be used all over the country.

Provides SSL and MFA encryption

Support browser extensions for Google Chrome, Mozilla Firefox, Microsoft Edge and Safari

Available in 100+ different countries including US

Loading methods like PayPal and Credit Card

Create 6 Virtual cards

Supports credit cards like Visa, Mastercard, and debit card

Offers Freeze card when needed, spend limit, merchant locked, and charge limit

It provides customer support via Email and Phone

Supported currencies: USD

Supported Platforms: Windows, iOS and Android

11) Bento

Bento is a virtual card provider that offers an easy way to manage your organization’s expenses and spending. This service helps you to generate and assign a virtual card for your account.


Card information is securely stored in your account.

It helps you to manage both virtual and physical cards.

You can instantly use a virtual card once it is issued.

The card is accessible by authorized users.

It offers security and speed than a traditional physical card.

Provides 256-bit SSL and 2FA encryption

Support browser extensions for Chrome, Firefox and Safari

Available in 200+ different countries

Loading methods like credit card, debit card and Paypal

Create 2 Cards per year(paid)

Provides 1% cashback on your purchases

Supports credit cards like Mastercard, Maestro, Visa, American Express and Dicover

Offers Freeze card when needed, spend limit, single-use cards, and charge limit

It provides customer support via Phone and Contact Form

Supported currencies: USD

Supported Platforms: Windows, iOS and Android

12) ePayService

ePayService is a company that enables you to have a safe and secure online payment. It is one of the best virtual credit card providers that helps you to control your online shopping with cards.


It can quickly distribute your virtual card.

The company supports USD, GBP, and EUR.

It can keep the details of your free Debit card number safe.

This virtual credit card usa can customize your online shopping using different values.

The maximum purchase amount is 3500 USD.

It does not take any monthly or purchase transaction fees.

Provides 2FA and 256-bit SSL encryption

Support browser extensions for Chrome, Firefox, and Safari, including instant virtual debit card free services.

Available most European countries including Austria, Cyprus, Netherlands, Spain, Belgium, Estonia, Slovenia, Finland, Germany, Greece, Ireland, Italy, and more

Loading methods like Bank Transfers and debit card

Create 3 active virtual cards

Supports credit cards like Mastercard and VISA

Offers Freeze card when needed, spend limit, and charge limit

It provides customer support via Chat, Email and Phone

Supported currencies: USD, INR and EUR

Supported Platforms: Windows

13) Emburse

Emburse is a company that offers both virtual and physical credit cards. It has role-based permission and approval. This company protects from fraud by verifying person for each transaction.


It offers real-time insights and reports.

Emburse provides a mobile receipt.

It supports Apple Wallet and Android Pay.

The application can automatically categorize expenses.

It helps you to manage your purchase.

Provides 2FA and 256-bit SSL encryption

Support browser extensions for Chrome, Firefox and Safari

Available in 120+ different countries

Loading methods like PayPal, Credit Card, Apple Pay and Bank transfer

Provides 1% cashback on your purchases

Supports credit cards like Visa, MasterCard and American Express

Offers spend limit, single-use cards, and charge limit

It provides customer support via Contact Form, Email and Phone

Supported currencies: 183+ currencies

Supported Platforms: Windows


Virtual Cards are computer-generated credit card (not physical plastic cards). It enables you to make purchases online without inputting your original card number. These cards provides fraud protection and auto management on spent limits.

Below are some of the best Virtual credit cards in US:



US Unlocked




American Express Go

Yes, you can create free virtual credit cards with money that become automatically disabled after completing one transaction. These cards are helpful when dealing with nontrustworthy sites that charge you recurring fees without your knowledge.

Yes, you can create virtual cards with different transaction limits of your choice.

Yes, if you have you use a virtual card in-store, you can simply show the cashier your credit card from the website of virtual card provider.

Yes, you can transfer money from a virtual card.

A Virtual credit card works almost the same as a normal credit card, but it offers additional security. It is a temporary and randomly generated 16-digit card number that you can use while making online payments. This 16-digit number is linked to your credit card, which makes it hard to commit fraud. You just need to enter your virtual credit card number instead of your regular credit card number, and the further process is the same.

Following are the steps to get a virtual credit card:

Step 1) Get a Credit card

Step 2) Log into your credit card account online and go to its settings

Step 3) Download the virtual card issuer’s app if needed and log into the app

Step 4) Search for a Virtual credit card and access the card number

Step 5) Accept the 16-digit virtual card number, expiration date, and security code generated and choose the duration you want the number to be valid

Step 6) Now, you can start using your virtual credit card

Here are some of the best virtual credit/debit cards in USA:

US Unlocked






Best Online Virtual Prepaid Credit Card & Debit Cards in USA

How To Choose A Cryptocurrency For Investing In 2023?

In the second half of 2023, the digital asset market managed to experience both strong growth and a prolonged correction. Despite this, many investors believe that investing in the crypto industry today still offers good earning opportunities.

However, not all coins are equally promising. For example, some are worth investing in, while others are worth gambling at the online Casino site chúng tôi We suggest analyzing the digital assets available in the market to determine which of them are worthy of investment.

Don’t ignore capitalization leaders. The longer a cryptocurrency is at the top – the more supporters it has. In addition, a high level of capitalization keeps the volatility of the coin in check.

A cryptoproject has an active product and/or an active user base that increases the value of its digital asset.

It is important to research the legality of the cryptocurrency of interest. For example, investors in XRP coins of California startup Ripple suffered serious losses due to a conflict between representatives of the project and the U.S. Securities and Exchange Commission (SEC) in late 2023. Regulators had been aware of the claims against the platform for several years before the proceedings began.

It is also necessary to carefully study the rate behavior of the cryptocurrency of interest and its reaction to certain events. It is not superfluous to analyze the opinions of well-known analysts about the future of digital assets.

There are several cryptocurrencies that can be called the leaders of investors’ choice. We suggest getting acquainted with them in more detail.

Bitcoin is the first cryptocurrency. Its creator – a certain Satoshi Nakamoto – became the founder of the whole direction of new financial instruments.

As of the end of July 2023, Bitcoin is the most capitalized coin. Because of its long history, many people associate BTC with the word “cryptocurrency”. This is largely why the health and behavior of bitcoin determine the position of other digital assets.

According to a forecasting model developed by PlanB, a popular analyst in the cryptocurrency community, BTC could break through the $100k level during 2023.

By comparison, as of July 21, 2023, the coin is trading at $30k.

Many positive predictions about bitcoin are backed up by statistics about the cryptocurrency’s rate movement over the past 9 years.

Experienced investors warn that investing in BTC may not yield results in the short term. That said, over time, as bitcoin’s movement history shows, the cryptocurrency lives up to the trust of buyers.

Ethereum is the second most capitalized cryptocurrency. At the moment the developers of the project are preparing to improve its technical component – to transfer the coin from PoW to PoS-mining algorithm. The changes will increase the environmental friendliness of ETH, making the cryptocurrency more convenient and faster.

Against the backdrop of the upcoming upgrades, Ethereum is able to continue its positive movement. At the moment, ETH is largely pressured by the negative dynamics of bitcoin (the capitalization leader). With BTC on the rise, Ethereum will also be able to continue its positive movement.

Cardano is a decentralized system that, according to its developers, could surpass Ethereum in the future. With the Shelley update implemented in 2023 and the activation of the Delegated Proof-of-Stake (dPoS) consensus algorithm, the developers have opened the door for ADA investors to engage in stealing. This term refers to the deliberate holding of cryptocurrency in a wallet for the purpose of earning money.

Despite the fact that Cardano offers not to have the highest percentage of earnings on stacking, the positive movement of the rate of ADA, amid the constant work of the project team on its technical improvement, allows recommending the coin to investors.

Uni is the token of the popular decentralized digital asset exchange Uniswap. The platform allows earning from investments in DeFi-protocols and coin price movements.

Uniswap is an example of a cryptocurrency that has earned the attention of investors due to the success of the project, the ecosystem with which it conducts transactions. It is possible that Umi will continue to grow amid the hype around DeFi and the popularity of the exchange’s instruments.

UMI is a cryptocurrency of the popular Roy Club investment platform. The developers of the project offer market participants tools to earn up to 40% on digital asset stacking (intentional holding of coins in the account).

Unlike all other cryptocurrencies from the rating, UMI allows you to passively earn on stacking (multiplication of coins). At the same time, the developers of the platform provide security guarantees, which increases the attractiveness of the digital asset.

Investing in UMI, unlike other coins, does not require special knowledge and skills. Also, an investor will not have to wait for the right moment to make a profitable purchase. You can start multiplying coins with UMI in a few minutes after registration.

There are many different offers on the market for investors who want to make money from cryptocurrencies. For example, traders who are willing to take risks for the sake of good profits will suit bitcoin. Those who are interested in income on the promising high-tech coin should choose UMI.

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