Borderless cards that clear instantly.
VCCLY issues unlimited virtual cards for cross-border sellers and media buyers — fund in any currency, control every dollar, and reconcile ad spend in real time.
Pay every major ad & commerce platform — no card declines.
One account for every cross-border payment
Issuing, FX, controls, and reporting in a single workspace — built for teams that spend fast and need every dollar accounted for.
Unlimited virtual cards
Spin up a dedicated card per campaign, store, or vendor in seconds. Set limits, freeze, or close instantly.
Multi-currency wallet
Hold and convert 28 currencies in one balance. Pay locally and skip cross-border decline fees.
Real-time spend visibility
Every charge maps to a campaign and channel automatically. Reconcile ad spend without spreadsheets.
Built-in fraud controls
Merchant locks, per-card caps, and velocity rules stop overspend and unauthorized charges before they post.
Auto top-ups
Keep high-volume cards funded with rules that move money the moment a balance runs low.
Issuing API
Programmatically create and manage thousands of cards. Embed VCCLY into your own ops tooling.
From account to active card in four steps
Open an account, fund any currency, issue cards, and watch every dollar — all from one workspace.
Open an account
Register your business and clear merchant review. No minimums, no monthly fees.
Fund any currency
Top up one multi-currency balance. Track approvals and keep finance in the loop.
Issue cards
Spin up a card per campaign, vendor, or subscription — each with its own limit and lock.
Track & reconcile
Watch live spend mapped to channels, with audit-ready logs for every action.
Give every card a job — and a leash
- Per-card and per-team monthly limits
- Lock a card to a single merchant or category
- Instant freeze, replace, or close — no support ticket
- Approval rules and alerts for unusual spend
- Role-based access for owners, finance, and operators
- Audit-ready logs and approval history on every action
Built for the people moving money fastest
Media buyers
Isolate spend by client, channel, and campaign. Cards never decline mid-flight, even at six-figure daily budgets.
Cross-border sellers
Pay suppliers, logistics, and SaaS in local currency. Top up one multi-currency balance and convert on your terms.
AI & SaaS subscriptions
Give each AI service its own card so trials never lapse and renewals never decline — even when billed in another currency.
“We went from juggling fifteen declined cards across three banks to one VCCLY account. Approval rates jumped to near-perfect and our monthly close dropped from a week to an afternoon.”
Start spending in minutes
Open an account, fund any currency, and issue your first card today. No minimums, no monthly fees.