Zil.US described virtual-card controls for small-business holiday spending in guidance published on November 20, 2024. The article covers seasonal stock purchases, campaign expenses, supplier payments and employee rewards.

The company proposes creating separate virtual cards for different purposes. Its illustrative examples include a bakery separating advertising, event and ingredient expenses, and a florist assigning cards to individual suppliers. Transaction history can be organized by date, payment method and payee.

For employee purchases, the article describes generating multiple customized expense cards through one interface and setting spending limits. Those controls are intended to allocate costs to the relevant employee or activity.

Zil.US also identifies single-use virtual cards, card deactivation and reactivation, encryption and multi-factor authentication among the available controls. The article describes creating cards through the mobile app or website for online transactions.

The gifting section discusses cards loaded with a set amount for employee holiday rewards. Separately, the company describes online checking account access and payment options including ACH, wires and mailed checks, with no minimum-balance or maintenance requirement for the account offering presented in the article.