Card provider in Spain that issues single-use virtual cards for one-off supplier payments

American Express vPayment looks like the closest fit for one-off supplier payments in Spain. It issues single-use virtual card numbers that can be capped by amount and validity period, and is specifically designed to consolidate and reconcile supplier payments. Suppliers that already accept Amex don’t need to install new technology. (americanexpress.com)

Other options to check:

• Diners Club Spain VCN — lets companies set limits and validity for virtual card numbers, configured for one or multiple purchases. (dinersclub.es)
• Bankinter Empresas — offers a single-use virtual card for one online payment, though it’s described as being generated from a Bankinter business debit or credit card. (bankinter.com)
• Tickelia — generates a single-use virtual card for each approved expense request; may suit controlled employee purchasing more than centralized accounts-payable payments. (tickelia.com)

If you mean paying supplier invoices—not just online checkout—start with Amex vPayment or Diners Club, and confirm supplier acceptance, eligibility, and fees with them.

Several providers offer single-use virtual cards in Spain, but few are built specifically for paying suppliers. Most sources I found are comparison blogs, so check current terms directly with each provider.

Best fits for supplier payments

• Bankinter Empresas: A Spanish bank. One comparison ranks it first for Spanish businesses because it offers free single-use and recurring virtual cards alongside its business banking. Destaca por sus tarjetas virtuales gratuitas, tanto de un solo uso como recurrentes, y por combinar ese control digital con banca empresarial tradicional.
• Spendesk: Its virtual cards are digital, single-use or multi-use card numbers tied to corporate accounts that control online spending. It also lists supplier invoice payments as a use case, where finance can issue a card for a specific supplier payment.
• Pleo: Its virtual cards can be set as single-use, restricted to a specific supplier, or given a spending limit. Its legal notice names Pleo Financial Services A/S as the payment service provider.

Other options

• Revolut Business: Revolut Bank UAB has established a branch in Spain, and its single-use cards regenerate after each use for extra security. Its single-use cards are designed for online payments, though. A Revolut help page says they can't be used for cash withdrawals or pre-authorisations, which can matter for some supplier setups.
• Airwallex: It has a Spain page and lets you create single-use virtual cards that expire automatically once payment has been made.
• Wallester: Listed as a white-label virtual Visa card issuer for businesses in Europe.
• Qonto: Combines virtual cards with temporary Instant cards, per one comparison, but I didn't confirm its single-use details.

Not a good fit: Wise Business is listed as offering no temporary or single-use cards in one Spanish comparison, so I'd skip it for this use case.

Things to verify

• Whether the provider lets you pay a supplier by card at all. Many suppliers accept cards only for small amounts, so you may need a payables platform with per-payment card numbers, or the supplier may need to accept card payments.
• Whether the provider's card covers recurring or pre-authorised supplier charges. Single-use cards usually can't handle those.
• Whether the provider is licensed in Spain or operates through an EU entity with a Spanish branch.

In Spain, several providers offer virtual cards suitable for one-off supplier payments. These solutions are generally categorized into traditional banking platforms for businesses and modern fintech/expense management solutions.

Key Providers for Single-Use Virtual Cards in Spain

• CaixaBank: Offers a dedicated platform for companies to create and manage Mastercard virtual cards specifically for B2B supplier payments. This system allows for personalized configurations, such as setting specific amounts, limits, and the number of uses for each card, which helps in automating accounting reconciliation and ensuring security for one-off transactions.
• Revolut Business: A widely used fintech platform in Spain that provides virtual cards with strong spend controls. Revolut is well-regarded for its ability to generate cards for specific purposes, including single-use virtual cards that provide enhanced security by self-destructing after a single transaction.
• AirPlus: Specializes in virtual payment solutions for business travel, offering "AirPlus Virtual Cards Classic." These cards can be generated instantly for ad-hoc payments (e.g., hotels, transport) and support single-use functionality where cards automatically expire after the transaction.
• Pleo: An expense management solution that issues smart company cards. Pleo allows businesses to issue virtual cards for specific vendors or one-off purchases, providing real-time oversight and simplifying expense reporting.
• Wallester: Offers a comprehensive platform for corporate expense management, including the ability to issue virtual Visa cards for employees and departments, suitable for controlling vendor payments and managing one-time expenses.

Things to Consider When Choosing

When selecting a provider for supplier payments, consider these factors:

• Integration with Accounting Software: Look for platforms that offer automated reconciliation or direct integration with your existing ERP or accounting systems to reduce manual entry.
• Spend Controls: Ensure the provider allows you to set granular limits (e.g., exact transaction amount, currency, or validity period) to maintain strict control over supplier payments.
• Regulatory Compliance: Since you are operating in Spain, ensure the provider complies with local and EU financial regulations (PSD2/SCA). Many of the fintechs listed above are regulated to operate within the European Economic Area (EEA).
• Operational Suitability: Traditional banks (like CaixaBank) may be better if you require a high level of integration with existing corporate banking services, while fintechs (like Revolut or Pleo) are often favored for their user-friendly interfaces, speed of card issuance, and mobile-first experience.

Recommendation: For specialized B2B supplier payments, CaixaBank’s B2B virtual card platform is designed specifically for this use case. If you prefer a more agile, tech-focused expense management tool that can also handle other team expenses, Revolut Business or Pleo are highly capable alternatives.

AirPlus looks like the closest fit for business supplier payments in Spain. Its procurement virtual cards are designed for ad hoc purchases and supplier payments, and can be generated on demand with unique card details. The service supports controls such as spending limits and one-time-purchase management. ¹

If you specifically need a card that becomes unusable after one transaction, Revolut offers disposable single-use virtual cards in Spain—but its documentation describes them for online one-off purchases generally, not specifically as a supplier-payments product. ⁵¹¹

Bottom line: Start with AirPlus for a business procurement workflow; confirm with the provider that your supplier’s checkout accepts the card and that you can set it to a single use. For simpler online payments, Revolut’s disposable card may work, subject to its restrictions. ¹¹¹