• 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.
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Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc, Lloyds Bank Corporate Markets plc and Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH.

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.

Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH is a wholly-owned subsidiary of Lloyds Bank Corporate Markets plc. Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH has its registered office at Thurn-und-Taxis Platz 6, 60313 Frankfurt, Germany. The company is registered with the Amtsgericht Frankfurt am Main, HRB 111650. Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH is supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.