How to Create Unlimited Virtual Debit Cards with Mercury: A Step-by-Step Guide

Managing finances securely and efficiently is essential in today’s digital economy. Mercury offers a powerful solution with unlimited virtual debit cards, including Virtual Debit Cards with Mercury, allowing businesses and individuals to streamline expenses, enhance security, and maintain better financial control. Whether you’re a U.S. resident or a foreign entrepreneur setting up a business account, this guide walks you through how to create, manage, and maximize virtual debit cards on Mercury. Let’s dive in! 🚀

In today’s digital world, managing finances securely and efficiently is a top priority for individuals and businesses alike. One powerful tool that Mercury offers is the ability to create unlimited virtual debit cards, including Virtual Debit Cards with Mercury. Whether you’re looking to enhance security for online transactions or streamline expense management for your team, virtual debit cards are a game-changer. In this blog post, we’ll walk you through how to create and manage these cards, explore their benefits, and provide a tutorial for new applicants—especially foreigners—looking to join Mercury.

Step-by-Step: Creating Virtual Debit Cards on Mercury

Creating virtual debit cards with Mercury is quick and straightforward. Here’s how you can do it:

1. Log in to Mercury and Navigate to Cards

Once you’re in your Mercury dashboard, locate the “Cards” section. You’ll see any existing cards you’ve created—I personally have quite a few!

2. Create a New Card 

Click on “Create New Card.” From here, you can customize the card to suit your needs.

3. Assign a Cardholder

You can change the cardholder by inviting a team member and assigning the card to them. Add a nickname for easy identification—like “Marketing Budget” or “Freelancer Payments.

4. Set Spending Limits

Choose whether you want a daily, weekly, or monthly limit. For example, you could set it to $100, $200, or any amount that fits your budget.

5. Confirm It’s Virtual

Ensure the card is marked as virtual—this is the default for new cards created this way.

6. Create the Card

Hit the “Create” button, and your new virtual debit card is ready to use!

7. View Card Details

To access the card number, click on the card and select “Reveal Card Details.” It’s that simple.

8. Manage Your Card

–   Freeze It:   If you’re not using the card, you can freeze it to prevent any transactions.  
–   Cancel It:   To delete a card, freeze it first, then click “More” and select “Cancel Card.”

With Mercury, there’s no limit to how many virtual cards you can create, giving you ultimate flexibility for your financial needs.

Tutorial: How to Join Mercury as a New Applicant (Including Foreigners)

For U.S. Residents

If you’re new to Mercury and want to take advantage of virtual debit cards, here’s how to get started—especially if you’re a foreigner looking to open a business account.

If you’re in the U.S., signing up for a personal or business account is a breeze. Simply visit [Mercury.com](https://mercury.com), provide your details, and follow the prompts to open your account.

For Non-U.S. Residents (Business Account Only)

Foreigners can open a Mercury business account by setting up a U.S.-based LLC. Here’s the process:

1. Form an LLC

Head to TheITIN.com, a reliable service for forming an LLC in the U.S. They’re fast, trusted, and act as an agent of the IRS. Bonus: Use the coupon code “REZA” during your application for a $50 discount.

2. Obtain an EIN

 When you form your LLC, you’ll need an Employer Identification Number (EIN) from the IRS. Itine.com can assist with this step.

3. Gather Required Documents

  To apply for a Mercury account, you’ll need:  
   – U.S. company formation document (from your LLC).  
   – Employer Identification Number (EIN).  
   – A valid passport from your home country.  
   – Proof of address (e.g., utility bill or bank statement).

4. Apply for Your Mercury Account

Once your U.S. company is formed and you have all the required documents, follow these steps to apply for your Mercury account:

Mercury Business Account Application

Step 1: Visit Mercury.com

Go to Mercury.com and click “Get Started” or “Apply Now” to begin the application process.   

Step 2: Select Business Account

Choose the option for a business account since personal accounts are only available to U.S. residents.

Step 3: Enter Your Details

Provide your LLC’s name, EIN, and your personal information as the account owner.

Step 4: Upload Documents

Upload your U.S. company formation document, EIN confirmation, passport, and proof of address. Ensure all files are clear and legible.

Step 5: Submit Application

Review your information and submit the application. Mercury will process it and notify you via email once approved (typically within a few business days).

Step 6: Verify Identity (if prompted)

In some cases, Mercury may request additional verification. Follow their instructions to complete this step.

5.   Start Using Your Account

Once approved, you can add funds, send payments, and create virtual debit cards for your business. It’s an excellent solution for anyone running an online company!

Why Use Virtual Debit Cards? The Benefits

Virtual debit cards come with a host of advantages that make them a must-have for modern financial management:

Enhanced Security

Each virtual card generates a unique number for online transactions, minimizing the risk of fraud or unauthorized access to your primary account. If a card is compromised, your main funds remain safe.

Spending Control

Set daily, weekly, or monthly limits to manage budgets effectively. You can also freeze or cancel cards instantly, giving you full control over usage

Instant Availability

Need a card for a last-minute purchase? Virtual cards are issued instantly and ready to use right away—no waiting for a physical card to arrive.

These benefits make virtual debit cards ideal for online shopping, team expense tracking, or separating business and personal spending.

Final Thoughts

Mercury’s unlimited virtual debit cards are a powerful tool for anyone looking to simplify and secure their financial transactions. Whether you’re a U.S. resident or a foreigner setting up a business account, getting started is easier than you think. Once you’re in, creating and managing virtual cards is a breeze, offering you flexibility, security, and peace of mind.

Have questions? Check the comments section below—I’ll be adding FAQs to address common inquiries. Let me know how you’re using virtual cards or if you need help with the Mercury setup process!

Happy banking!