Where can I use a Swipey card?

Updated July 1, 2026

Swipey cards are accepted at over 130 million merchants worldwide — locally and internationally.

Swipey has three card types:

Virtual card and Travel card are prepaid VISA cards. The Corporate card is a Mastercard Charge card that works at merchants prepaid cards can't.

Where You Can Use It

VIRTUAL CARD online only
  • Online shopping and e-commerce
  • SaaS and software subscriptions
  • Digital marketing platforms (Meta Ads, TikTok Ads, etc.)
  • Business tools and productivity apps
  • Any online checkout that accepts VISA
Swipey Virtual Card
TRAVEL CARD online and in-store
  • Everything the virtual card supports, plus:
  • Retail stores, restaurants, cafes and petrol stations
  • Any physical merchant that accepts VISA via Chip and PIN or PayWave
  • Local and international purchases
Swipey Travel Card
CORPORATE CARD online only
  • Built for high-value online and digital spend
  • Accepted by merchants that don't accept prepaid cards
  • Higher transaction and daily limits
Need to pay a merchant that rejects prepaid cards? Use the Corporate card — it's a Charge card, so it's accepted where prepaid cards aren't.
Swipey Corporate Card
Using your card internationally? An International Service Assessment (ISA) fee applies on foreign currency transactions. See fees and charges →

Merchants That Don't Accept Prepaid Cards

Swipey's Virtual and Travel cards — like prepaid cards globally — aren't accepted by the merchants below. Your Corporate card works at all of them.

💳 Tip: If a payment to any of these is declined on your Virtual or Travel card, try your Corporate card to complete it.

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Common Questions

Can I use my Swipey card overseas?

Yes — Swipey cards are accepted internationally wherever VISA (Virtual and Travel cards) or Mastercard (Corporate card) is accepted. An ISA fee applies for foreign currency transactions. See fees →

A merchant rejected my prepaid card — what can I do?

Some merchants (like Google, Xero, Azure, OpenAI and others listed above) don't accept prepaid cards. Use your Corporate card instead — it's a Charge card and is accepted at these merchants.

Why is my card being declined at a specific merchant?

A few possible reasons — the merchant doesn't accept prepaid cards (try your Corporate card), your card balance is insufficient, or a Spend Customisation restriction is blocking that merchant category.

Can I use my Swipey card for ATM withdrawals?

Only if your Admin has enabled the ATM Withdrawal category under Spend Customisation. It is disabled by default.

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