Announcing Virtual Card Express: A Faster Way to Launch B2B Payments

At Highnote, we’re always looking for ways to help our customers move faster, and today, we’re introducing a new capability to do just that.

Virtual Card Express (VCX) is a Highnote-built solution that allows teams to issue virtual cards for invoice payments in a matter of days—not months. For accounts payable (AP) teams that need a fast, secure way to pay vendors, carriers, and service providers, VCX provides a frictionless way to get started, while retaining the flexibility to build toward more advanced solutions over time.

Why Now?

According to Juniper Research, virtual cards are expected to power more than $14.6 trillion in B2B volume by 2029. But even with that momentum, adoption continues to lag. The reasons are familiar: long implementation timelines, bloated platforms, and legacy infrastructure not designed for AP.

VCX was built to solve that.

With simplified onboarding, API-native integration, and an intuitive deployment model, VCX helps businesses launch faster, without the complexity that usually comes with launching a new card program.

"Virtual cards aren’t new, but the way most companies issue and manage them still feels stuck in the past." John MacIlwaine, CEO at Highnote

Purpose-built for AP

Unlike corporate card programs repurposed for everything from travel to T&E, VCX was designed specifically for invoice-based B2B payments. It supports high-volume, recurring transactions and integrates seamlessly with Highnote’s unified platform.

Here’s what you can expect:

• Fast onboarding with light paperwork and a single integration
• Secure, programmatic issuance of virtual cards
• Modular architecture that scales as your needs grow
• Purpose-built for AP workflows—not expense management

Already in the hands of early adopters.

Companies like Fincone, a B2B payments optimization firm, are already using VCX to support AP automation and working capital strategies.

“VCX gave us an immediate on-ramp to embedded virtual card issuance that was simple to deploy, easy to integrate, and aligned with the way modern AP teams want to operate.” Evan Fan, CEO at Fincone

Build fast. Scale smarter.

Whether you’re looking to get a program live in days or designing a fully customized AP solution for the future, VCX gives you a way to move forward now, and evolve as your needs grow.

To learn more about VCX, please visit: https://highnote.com/solutions/ap-automation or, get in touch with our team.