Virtual cards: from security to confidence at scale

Security is the reason SMEs start using virtual cards — confidence is why they expand usage

● INSIDE THE SMALL AND MIDDLE MARKET

Payment security is a top priority for SMEs

As businesses scale, confidence in virtual cards depends on more than secure transactions alone.

Go beyond the transaction to build customer confidence

Virtual cards can be tailored to specific business needs without losing control as usage grows. With the right guidance and implementation support, they can evolve from a secure payment method into a scalable operating tool that supports businesses at every stage of growth.

of SMEs cite security and fraud concerns as a top barrier

of SMEs in South Africa

71%

For small businesses, confidence starts with trust

To expand and sustain virtual card usage, partners have an opportunity to help SMEs:

● What this means for partners

*Global Virtual Card Research, Kaiser Associates, commissioned by Mastercard, 2025. All data points cited are from this source unless otherwise noted.

Catch up on the first article in the series: Inside the Small and Middle Market: Virtual Cards, Evolved

Read the full article

of SMEs in Brazil

65%

Virtual cards can help — but confidence still matters

Even when SMEs see the security benefits, fraud and protection concerns can still slow broader usage.

of SMEs say they want stronger security and fraud guarantees

Are virtual cards safe to use?

Will my account be protected?

What happens if something goes wrong?

For middle market businesses, confidence shifts to scale and control

Can spend be delegated securely across more people and teams?

Can virtual cards scale without adding complexity?

Is there enough visibility and oversight to stay in control?

Show how virtual cards can support broader business needs beyond a single payment.