Veem
Veem is a B2B payments platform; its Virtual Debit Card (Veem Spend Card) is a Visa virtual card available in the United States only and built for business spend, rated 7.0/10 in our latest review.
Veem is the strongest fit for B2B payables, contractor and vendor payments, and business SaaS or ad spend. It is US-only and business-use-only, so weigh that against the fee-free virtual card itself. Treat the fee rows as the deciding factor: the card is free, but non-USD and cross-border spend each add up to 3%.
Profile
| Issuer / category | Veem · Business Spend Card |
| Official site | https://veem.com |
| Best for | B2B payables · Contractor & vendor payments · Ad / SaaS spend |
| Network | Visa |
| Rating | 7.0/10 (no logged live ranges yet) |
| Data quality | partial — terms reviewed, no checkout log |
Costs and fees
| Card creation fee | Free (Virtual Debit Card) |
| Monthly / annual fee | $0 (card); platform plans are separate |
| Top-up (deposit) fee | Free (from Veem Wallet / received payments) |
| Minimum deposit | Not applicable |
| FX / conversion fee | Up to 3% (non-USD) |
| Cross-border fee | Up to 3% |
| Late payment fee | Up to $40 |
| Returned payment fee | Up to $29 |
| APR on purchases | 0% |
Verification and risk
| KYC required | Yes (business verification / KYB) |
| Risk level | Medium (business-use-only, US-only) |
| AVS check | Yes (US AVS) |
| 3-D Secure | Yes (Visa step-up) |
Funding and limits
| Fund from | Veem Wallet, received payments (USD) |
| Bank transfer | Yes (funds the wallet) |
| Crypto top-up | No (card itself) |
| Cards per account | Multiple virtual cards per business account |
| Availability | United States only |
Billing
| Billing address | US |
| Billing country | United States |
Platform compatibility
| ChatGPT / AI tools | No |
| Meta / Google Ads | Yes (business spend) |
| App Store / Google Play | Yes (business subscriptions) |
| Netflix / Spotify | No (consumer use) |
| Contractor / vendor portals | Yes (intended use) |
Platform compatibility is inferred from the card's business design, not from a live checkout log we have published yet.
What the issuer states on its own site
- Get paid fast with Veem's Virtual Debit Card and use those funds to make fee-free purchases anywhere Visa® is accepted.
- The Veem Virtual Debit Card is exclusively available in the United States.
- The Veem Card is not intended for personal, consumer, or household use and must be used only for commercial or business purposes.
Source: https://veem.com and the Veem Virtual Card Agreement (terms current as of 30 July 2026).
How it performed in our tests
We have not yet logged live checkout ranges for Veem's Virtual Debit Card. When we do, the cleared charges and decline reasons will appear here next to each BIN. Until then, the fee and limit rows above come from the issuer's published terms, not from our own clears.
Browse the BIN directory → to check any range you already hold.
Where to go next
Category guides
Issuing country
Other Visa virtual cards
Head-to-head comparisons
No comparison page uses Veem as one side yet.
Frequently asked
What does the Veem Virtual Card cost to run?
The card itself is free to issue: the Virtual Debit Card costs $0 to create and there is no monthly card fee. Where costs appear is on spend — a foreign exchange fee of up to 3% on non-USD purchases, a cross-border fee of up to 3%, a late-payment fee of up to $40 and a returned-payment fee of up to $29. Purchases carry 0% APR.
Do I need to verify my identity for Veem?
Yes. Veem is a business product, so onboarding runs business verification (KYB) on the company, not a light consumer check. The card is not intended for personal, consumer or household use.
How can I fund the Veem Virtual Card?
You fund it from your Veem Wallet and from payments you receive into Veem, in USD. Top-ups from the wallet are free; bank transfer funds the wallet. Crypto top-up is not a feature of the card itself.
Is Veem available outside the United States?
No. The Veem Virtual Debit Card / Spend Card is exclusively available in the United States. The rest of Veem's payment network reaches 100+ countries, but the card is a US-only product.
Can I use Veem for personal spending?
No. Veem's card terms state the card is not intended for personal, consumer or household use and must be used only for commercial or business purposes.
Does Veem work for business SaaS and ad spend?
It is built for exactly that: B2B payables, contractor and vendor payments, and business SaaS or ad-platform subscriptions. We have not yet logged live checkout ranges for Veem, so treat platform compatibility as intended-use rather than test-confirmed until our clears are published.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.
Related virtual card searches
Looking for a Veem virtual card for business payments, or a Veem Spend Card number for US B2B spend? We cover Veem virtual cards, the Veem Virtual Debit Card, and how Veem compares to other business Visa cards.