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Table of contents is an online platform that allows anyone to create virtual credit cards for online spending, making it impossible for hackers to grab your actual credit or debit card information. Since you make online purchases using a virtual card number, your authentic information remains safe.

There are other benefits to virtual credit cards too. For example, have you ever had difficulty canceling a monthly service? With a virtual card, you need only cancel the card, and your subscription is over. There are several positive implications such technology can have for small businesses.

But what if isn’t for you? Are there any competing online platforms? alternatives for small businesses isn’t the only online avenue small business owners can take to spin up virtual cards for their businesses. Some of the best alternatives include:


While is a good option for creating virtual cards, Ramp is the best option for virtual credit cards overall. Ramp offers services perfect for businesses ranging from startups and to enterprise and can easily be scaled as your business grows.


Like all companies on this list, Ramp allows you to create virtual credit cards, but that’s not what sets it apart. The company provides intuitive functionality that provides the answer to some of the biggest financial challenges for small businesses, including:

Best of all, Ramp is free to use. Enjoy free access to unlimited virtual and physical cards, bill payments, insights, and reporting.


Ramp is an impressive offering, but there is one downside to the platform:

  • Not available for sole proprietors. The only downside to the Ramp platform is that it’s not available for sole proprietors, which makes access difficult for freelancers. All in all, however, it’s an excellent platform for businesses of any scale.

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Since its founding in 2001, Skrill has specialized in payment solutions for individuals and small businesses. Like, Skrill lets you create virtual cards for online purchases. The company also offers an intuitive mobile app for iOS and Android that allows you to track spending across all accounts on the go.


There are several reasons to consider working with Skrill. Some of the most significant advantages of the platform include the following:

  • Create virtual cards. You can create virtual cards for online purchases and subscriptions.
  • International. Skrill supports international businesses with money transfers to over 40 countries.
  • Security. Skrill uses industry-leading security and authentication measures to protect your account.
  • Prepaid MasterCard. You can take advantage of a prepaid MasterCard that gives you as much control as virtual card options.


Skrill has a great offering, but there are some drawbacks to the platform to consider. Those include:

  • Reporting. Skrill doesn’t provide reporting on a granular level like you find with Ramp. So, you may need to use another service to build financial reports.
  • Costly. Skrill isn’t free. In fact, you’ll pay $2.99 for most incoming business transactions, plus additional fees relating to currency conversions.


Bento is a debit card-based spending platform for business. The platform lets you create spending accounts for your employees and keep track of spending across your business, including invoice payments and receipt captures.


There are several reasons to consider signing up for Bento. Some of the substantial advantages of using the platform include the following:

  • Track expenses. Bento makes it easy to track expenses across all employee spending accounts with unique card account numbers for each employee.
  • Receipt captures. You never lose track of business receipts again.
  • Financial reporting. You can use Bento’s platform to create multiple financial reports, making it easy to analyze your financial performance and find optimization opportunities.


Bento is a solid offering, but the service isn’t perfect. There are a few downsides you should consider before you sign up:

  • No unlimited cards. Bento doesn’t offer unlimited payment card options. Instead, you’ll be able to create cards, and how many, solely based on the monthly fee you agree to pay.
  • It’s not free. Bento costs $29 per month for up to 10 spending accounts, $69 for up to 25, or $149 for up to 100 cards. If you need more, you’ll need to call for custom pricing.


Braintree is an excellent alternative for businesses. Although the company doesn’t offer virtual credit cards or employee credit cards, you may want to consider working with the platform to protect your customers’ privacy.


There are several reasons to consider signing up with Braintree. Some of the most impressive features of the platform include the following:

  • Accept a wide range of payment types. The platform allows you to accept several private payment options, including Apple Pay, Venmo, Samsung Pay, and PayPal, among several others. Of course, your online users can also pay using their credit cards.
  • Accept Global Payments. What makes Braintree unique is the fact that it’s not exclusive to the United States. You can accept payments from the U.S. but also from Australia, Canada, Europe, New Zealand, Malaysia, and Singapore when you use the platform.
  • Low Cost. Braintree is inexpensive too. Most companies using the platform pay 2.49% plus a $0.49 transaction fee. Non-profit companies only pay 1.49% plus a $0.49 transaction fee. An additional 1% fee applies to foreign transactions. Moreover, you only pay $0.15 per transaction if you use an American Express account.


Braintree is a great platform, but it does come with some drawbacks. The most important of which include:

  • No custom payment accounts. You can’t create payment accounts for each employee. Instead, Braintree focuses on helping you accept payments.
  • No spending tracking. The platform doesn’t offer any tools for tracking spending across your business.


Payoneer is another popular option among business owners that allows you to accept payments while keeping your customers’ privacy at the forefront. The platform, designed as a way for people to make peer-to-peer payments, has quickly grown to become a preferred choice among freelancers and entrepreneurs.


Some of the sizable advantages of working with Payoneer include these:

  • Payoneer payment card. You can request a prepaid Payoneer credit card be attached to your account. When you use the card, the money deducts from your Payoneer balance.
  • Virtual spending card. If you maintain a $100 minimum balance in your account for at least six months, you can qualify for a virtual spending account.


Payoneer is a strong option for sole proprietors but may not fit the bill for companies with multiple employees. Here’s why:

  • Only one card. Payoneer doesn’t offer the ability to set up multiple physical or virtual cards. You can only access one of each.
  • Pricing. Payoneer also isn’t free. You pay 2% or less to withdraw your money, with the percentage based on your sales volume. However, if you open an account and don’t use it for 12 months, you’ll have to pay a fee of $29.95. Also, it costs $12.95 to order your Payoneer credit card.

Why not work with the best?

Ramp is the best alternative you’ll find to for small business spending accounts. Why work with anyone else? You deserve the best. Visit our website and sign up for Ramp today.

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Former Sr. Content Marketing Manager, Ramp
Prior to Ramp, Stefanie worked as a finance reporter at Institutional Investor, where she covered everything from options to pension funds. She graduated from the University of Delaware with a degree in English and a concentration in journalism and later earned an MA in education from NYU. When she isn't immersed in content and thought leadership, Stefanie loves to play any and all racquet sports.
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