An account management system receives, from a user computing device, a request for a virtual access card and a user account identifier associated with an account hub system account. The system receives, from the account hub computing system, account hub system account metadata associated with the user account hub system account. The system transmits, to the account hub computing system, a request for an access card identifier and a virtual access payload. The system receives, from the account hub computing system, the access card identifier and the virtual access payload. The system provides, to the user computing device, the access card identifier and the virtual access payload, the user computing device communicating the access card identifier and the virtual access payload to a reader computing device via a wireless communication channel.