• ePay Virtual

    Next generation business purchase solution

    Our ePay Virtual payment solution provides enhanced levels of control on your employees’ online and card-not-present business spend. It also increases the control and visibility over their purchase and travel spend, while improving data capture and reconciliations.

    ePay Virtual generates a unique card number only when it is needed for a purchase, with controls set on its credit limit, spend validity dates and end merchant. The virtual card will only be generated once approved by a permitted manager.

    Watch our video to find out more about how ePay Virtual works.


  • Business benefits

    • Enhanced security of online and card-not-present spend.
    • Greater spend control through predefined rules on what the virtual card can be used for and for how much.
    • Improved data and spend visibility to help develop and negotiate improved prices with a preferred supplier list.
    • Tailored reports integrated with your existing accounting and expense management software systems.
    • Quicker and simpler reconciliation processes for invoice and payments.
    • As well as Sterling, also available in Euro and US Dollar denominations to eliminate conversion costs when transacting in those currencies. To take advantage of these options a Lloyds Bank Current account is required in the relevant currency.
  • Colleague benefits

    • Simplified expense claims process for business travel and other expenses, settled centrally.
    • No issued plastic, reducing the need for a physical card which could be stolen or cloned.
    • Supports quick and efficient purchase procedures without time consuming approval processes or paperwork.
  • Blue padlockControl & Security

    ePay Virtual allows you to control spend and ensure compliance with internal spend, risk and governance policies.

    A unique 16-digit virtual card number, with associated CVC and validity date, is created only when needed for a purchase, reducing the ability to steal or clone a card number.

    Grey sheetsReporting & MI

    ePay Virtual allows for enhanced and quicker data matching, analysis and reconciliation of transactions – eliminating paper/manual administration processes.

    Increased reporting allows up to 30 enhanced data elements to be added to transaction details, to help reconciliation processes.

    For more information about how ePay Virtual can enhance your business efficiency enquire online.

  • ePay Virtual: How it works

    • ePay Virtual generates a unique 16-digit virtual card number, with associated CVC and validity date, for card-not-present transactions.
    • New unique virtual card numbers are raised for each transaction, supplier or invoice batch as required.
  • Document-icon

    Ensure you're up to date with our products and services' latest small print.

    Terms and conditions
  • icon - pie chart sands

    Timely and topical insight to your inbox.

    Sign up
  • contact icon - purple

    Should you need assistance once your programme is set up please contact the relevant team.

    Contact us

The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. Please note that any data sent via e-mail is not secure and could be read by others.

Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.