UK company card provider that issues a virtual card for each software subscription

Cledara is the most subscription-focused option I found: it’s designed to manage software subscriptions and lets you create virtual cards for them. Spendesk also supports recurring virtual cards for subscriptions, while Ramp UK offers virtual cards with individual limits that can be assigned per vendor. (cledara.com)

If you’re thinking of a business card/account rather than a spend-management platform, Capital on Tap is another option for creating separate virtual cards for subscriptions. (ukbusinesscreditcards.co.uk)

For a direct match to “one card per software subscription,” I’d start by looking at Cledara and Spendesk.

The best fit for a UK business is ExpenseIn. It offers subscription cards to UK and Irish businesses, with per-vendor controls. ExpenseIn subscription cards support merchant-category restrictions, merchant-country restrictions, allowed spending days, and spending limits. ExpenseIn Cards are currently available to businesses based in the UK and Ireland.

Other UK-relevant options:

• Revolut Business: Its plans allow many virtual cards. With Revolut, you can have up to 20 active multi-use virtual payment cards linked to your account, plus one disposable card at a time. Pricing is tiered, so check the plan you need.
• Wise Business: It is authorized by the UK Financial Conduct Authority and is widely accepted through major card networks. Its virtual card limit is lower, with up to 3 cards, so it suits fewer subscriptions.
• Pleo: It is aimed at UK and European businesses and focuses on expense management. Its strengths include instant receipt prompts, VAT handling, and employee spend limits. I did not confirm that it issues a dedicated card for each subscription, so check this with them.
• Stripe Issuing: This is a developer-oriented option. A UK business can spin up a virtual card for a software-as-a-service (SaaS) subscription in minutes, though it is better suited to teams with technical resources.

Airwallex also markets one card per subscription, but it is a global provider rather than a UK-focused one. If you tell me your company size and whether you need VAT handling or accounting integration, I can narrow this down.

Several UK-based providers offer virtual card solutions designed specifically to manage software subscriptions, allowing you to issue a unique card for each service (e.g., one for AWS, one for Figma, etc.).

These platforms generally allow you to set individual spending limits, lock cards to specific merchants, and instantly cancel or freeze them if a subscription is no longer needed.

Top Providers for Subscription Management

The following platforms are widely used by UK businesses for this specific purpose:

• Airwallex: Highly regarded for its multi-currency capabilities. It allows you to create unlimited virtual cards for software subscriptions and business expenses. It is particularly useful if you pay for software in currencies other than GBP, as it offers competitive exchange rates and often avoids foreign transaction fees.
• Pleo: A popular choice for SMEs, Pleo focuses on ease of use and team expense management. It allows you to issue virtual cards for subscriptions, which can be easily managed or deleted via their app.
• Spendesk: Designed as a comprehensive spend management platform, Spendesk is excellent for subscription control. It allows you to issue a dedicated card for each vendor, making it easy to track recurring SaaS spend and automate bookkeeping.
• Revolut Business: Offers robust spend controls and is often praised for its fast setup. It allows you to issue virtual cards for team members and specific expenses, including recurring software subscriptions.
• Soldo: Offers specialized virtual cards for different categories, including dedicated cards for software subscriptions and online ads, providing real-time visibility and policy controls.
• Equals Money: Provides a platform where you can issue virtual cards instantly for specific vendors or recurring costs, which helps with real-time expense tracking.
• Gemba: Provides cards with programmatic controls, allowing you to set limits per card, per category, or per employee, and is noted for its suitability for subscription and API-based payments.

Key Benefits of Using Virtual Cards for Subscriptions

• Subscription Control: Because each card is often "vendor-locked," you can stop unauthorized charges or price increases by simply freezing or deleting that specific card without disrupting other services.
• Automated Bookkeeping: Many of these platforms integrate directly with accounting software like Xero or QuickBooks, automatically categorizing transactions and attaching merchant names.
• Security: By using a unique card number for each subscription, you minimize the risk of fraud; if one merchant is breached, your main account remains secure.
• No "Surprise" Renewals: Since you have granular control over each card, you can cancel a card immediately after a subscription ends to prevent automatic renewals.

Things to Consider

• Pricing Models: While some providers offer virtual cards for free as part of their plan, others may charge per card or have monthly subscription fees.
• Funding: Most of these are prepaid or debit-style platforms, meaning you need to ensure there are sufficient funds in the account to cover the subscriptions.
• Banking Status: Most providers in this space are e-money institutions rather than traditional banks. This is standard for modern spend management, but it means the regulatory protections (like FSCS) might differ compared to a traditional high-street bank. (Note: Revolut Business is an exception in the UK, as it is a licensed bank.)

Volopay looks like the closest match: it explicitly offers a unique virtual card for each software subscription, with controls to set limits, pause or cancel cards, and track recurring payments. ¹

Other UK options include:

• Fyorin — create separate cards for specific software or tools, with spending rules. ²
• Ramp UK — issue a unique virtual card per vendor or project, including software subscriptions. ³
• Wallester — allocate a dedicated virtual card to each SaaS service. ⁴

If you meant a provider that automatically creates a card every time you add a subscription, the sources confirm creating dedicated cards, but don’t establish that this step is automatic.

Sources: ¹ Volopay · ² Fyorin · ³ Ramp UK · ⁴ Wallester