C2B Virtual Credit Cards

Consumer to Business Virtual Credit Cards are those cards where a consumer has the virtual credit card information and can use the card online or where card-not-present transactions are available

Although virtual cards are typically used in a business to business capacity, we do provide the option for you to make a virtual card available to a consumer. A ConnexPay virtual credit card is a Visa® or Mastercard® branded card that can be used at any online retailer (or in other instances of card-not-present transactions) who accepts these brands.

You can provide card information to your customer a couple different ways:

  • When you make the IssueCard, IssueLite, or IssueLodgedCard API call you can include the Transmission object that will create a link that can be emailed to any email address, or that can be returned to you so you can forward the information to the consumer directly. This link can be used by the recipient to access a visual representation of the credit card, which will include the card number, expiration date and CSV. Detailed information can be found in the documentation for these specific API's beginning here. There's also a 'Resend Transmission' endpoint you can call if you need to send the information after the card has been issued. Developer docs for this endpoint can be found here.
  • You can copy the card information in the portal and forward to your customer

As with all ConnexPay virtual cards, you will identify spend limits, expiration date and MCC restrictions to limit where the card can be used, should you so choose.


Do ConnexPay virtual cards provide buyer protection?

Absolutely. A ConnexPay virtual card is a credit card. It is a Visa® or Mastercard® branded card and can be used at any online retailer (or in other instances of card-not-present transactions) who accepts these brands. As such, it has all the buyer protections provided with a physical plastic card.

If I purchase an item and don’t receive it or it’s defective, can I dispute the charges?

As with any credit card, as a first step, ask the cardholder to contact the merchant for a refund. If this attempt is unsuccessful, you can work with ConnexPay to file a dispute and begin the chargeback process. All chargeback activity will be handled between you and ConnexPay with you serving as the point of contact for the consumer.

What are the fraud and chargeback policies for ConnexPay virtual cards?

ConnexPay follows all Visa® and MasterCard® chargeback rules.

Can a merchant process a refund to a virtual card?

Yes. If your customer is entitled to a refund for any reason, the return and refund will be handled by the merchant. If the merchant credits the virtual card, the credit may not be immediately available. While merchant refunds post as soon as they are received, please note that we have no control over when a merchant sends a credit transaction and the refund may not be available for a number of days after the date of the refund. If the card hasn’t been terminated, the funds will ultimately be available for the consumer’s use.

What happens with a refund if my card has been terminated?

Funds will be returned to you and it will be up to you to issue a new virtual card to the consumer for those funds.

What do I do if my consumer loses their virtual card information?

You can re-send the card information by using the Resend Transmission API or by copying the virtual card information from our portal and forward it to the consumer.

What if my consumer believes their card information has been compromised?

You will want to immediately terminate the card and issue a replacement card for the remaining balance.