ING Virtual Cards

Whether you need a standalone solution that’s quick to set up or a virtual payment solution integrated into your existing systems, ING offers two complementary virtual card options to support your purchasing needs.

Our virtual card solutions:

• ING Standalone Virtual Cards (Purchase Control) – a fast, secure virtual card option without system integration
• ING Embedded Virtual Cards – integrated directly into your ERP or procurement workflow

Looking for an easy, controlled way to enable your employees to purchase effectively? ING’s Standalone Virtual Cards give you full oversight, rich transaction details and strong security — without connecting to your ERP or procurement system.

✔ Instant card creation with strong controls: Set limits for specific users, budgets, suppliers or time periods. Perfect for managing ad‑hoc or low‑value purchases.

✔ Smart data for deeper insights: Capture detailed Level‑3 data to analyse spending, allocate costs accurately and gain visibility across teams and categories.

✔ Clear oversight of all indirect spend: Approval flows and dashboards help you track spending patterns and enforce purchasing policies.

✔ Secure and globally accepted: Built on Mastercard’s global network and security features, providing safe payments worldwide.

You can also explore how the ING Standalone Virtual Card works in practice. Visit our dedicated page to watch short videos and learn how to navigate the environment, request a virtual card, and approve requests step by step.

Our specialists support you from design to implementation.
Cards Solutions Sales
cards.solutions.sales@ing.nl

Managing indirect costs often involves lots of suppliers and small, timeconsuming transactions. With ING Embedded Virtual Cards, virtual payments become part of your existing ERP, travel or purchasing system — helping you streamline purchasing, strengthen control and reduce manual work.

✔ Seamless integration in your workflow: Use virtual cards directly within your ERP, travel management or purchasing system for both Pay‑on‑Purchase Orders and Pay‑on‑Approved Invoices. No separate tools. No extra steps.

✔ Faster supplier payments: Pay suppliers — even one‑off suppliers — without long onboarding processes. All payment data integrates automatically, supporting accurate and timely reconciliation.

✔ Controlled employee spending: Set clear rules and spending limits so teams can make approved purchases while maintaining full visibility and control.

✔ Stonger supplier relationships: Offer guaranteed, transparent payment flows that help suppliers deliver on time and improve service reliability.

✔ Better fraud protection: Each virtual card is unique and tied to a specific purchase, reducing the risk of misuse or fraud.

✔ Easier reconciliation: Integrated payment data means less manual matching and fewer errors, supporting a cleaner, more efficient finance process.

Our specialists support you from design to implementation.
Cards Solutions Sales
cards.solutions.sales@ing.nl