Why Should You Get a Ghost Card?

Do you own a business? If so, then you’ll probably be aware that from time to time your employees have expenses. Maybe they’re doing company business or they have to purchase something solely for business use.

If so, then you’ll want to consider a ghost card for them. 

Ghost cards are can be used instead of debit cards, which allow large companies to assign virtual cards or to individual departments or even suppliers.

Learn more about the benefits of using a ghost card here.

What Is a Ghost Card?

Ghost cards are provided to employees of a department for purchases and fees by employees of that department. A department or supplier may use its ghost card for transactions that are paid for by the relevant department account, with preset restrictions and applicable fees.

At other times, an organization may issue ghost cards to certain suppliers or suppliers of a certain type of supplier.     

This type of use is when many different employees can use a number assigned to a particular department utilizing their individual credit cards and waiting for a refund.

The use of this type of card can be beneficial for the company and its employees. When a spending analysis identifies a large number of transactions from a particular provider, an account number for ghost cards can be created, reducing invoices and improving purchasing efficiency.     

Less Risk

Many companies want their workers to use their own credit cards to purchase goods and services for the company until they are reimbursed.

However, this poses a risk to workers if the company chooses not to reimburse them or if there is a shortage of liquidity delaying reimbursement. Some companies expect their employees to make the necessary purchases with their own money and not with a credit card.     

By contrast, small businesses can benefit from the choice of a P-Card, a card given to individual employees for purchases.

No Real Credit Card Number 

These cards do not have a real credit card account number, which makes it hard to unlock the account the number represents. However, they facilitate the allocation of certain transactions to selected departments within the organization.     

A ghost card is a variant of a procurement card, also known as a P-Card. It is a purchase card used for spending and shopping between companies. Ghost cards are no plastic cards with a unique number assigned to a particular department.

Instead, they are issued by a selected supplier and charged with the card number when they are purchased for a specific hospital or department.    Virtual ghost cards, however, are credit card numbers that are specific to a company or department and used by that department.

Ghost cards are software-generated random card numbers associated with certain accounts within a department or organization. You assign ghost cards to accounts within each department of your organization so that they can distribute the information needed for employee and supplier purchases.   

Allocation of Individual Departments   

This not only facilitates the allocation of purchases to the individual departments but also enables more employees to access shopping opportunities. All purchases made with a ghost card will be charged to the department to which the card was issued.

With such restrictions, a ghost card can provide workers with a means of circumventing established purchasing rules.

The purchase volume must be high enough to realize the additional benefits of use. A detailed and difficult reconciliation process to determine which purchases were invoiced from which department is difficult and level III data cannot be shared because it must contain detailed and detailed information about each purchase.     

When you reach the payment method, choose the credit card option and enter the unique card number, just like any other card. In case you overspend on your disposable card, you must wait 14 days for your payment plan to adjust and re-activate the balance of the card by clicking on refund unused amounts.     

Visa Cards and Credit Scores

Most ghost cards are Visa purchase cards that are available in every department and are charged to merchants for certain purchases. It can also be used to perform recurring transactions with certain merchant category codes, such as shipping, mobile phones, catering, utilities, and more.      

Make sure that your activity is reported to one of the credit reference agencies. If the account is set up under a departmental name, restrictions can be applied to the account to reduce the risk. The FICO score you have on credit accounts that have been active in the last 6 months.    

If you prefer to use cash only, a good loan can save you money on insurance and credit and give you more choices when buying a home or a mobile plan.     

Unlike Payment cards, banks treat credit cards created with ghost cards as accounts that are less likely to have an impact on the organization’s credit status. Your name is on the credit account and credit reference agencies receive reports on your account activity.     

To set up a ghost credit card, an organization must agree with the company. Be sure to read this guide before you jump in:


The likelihood of ghost card money being spent by the wrong provider is lower because the company itself holds and manages the ghost card account. If the company itself does not need a credit card, many travel agencies offer ghost credit cards as a service.           

A Ghost Card Can Be Great 

A ghost card can solve a lot of your company’s problems. But only if you put it to good use and use it properly. 

Instead of your employees using their own credit cards and worrying about being reimbursed, you can give them a ghost card instead.

For more information, be sure to check out the rest of our site. 

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