Per-employee cards
Virtual cards for online tools and travel, physical cards for on-the-go teams — issued in seconds.
Corporate Cards
Corporate & Expense Card Platform
No scheme membership. One API. Launched under your brand.
Give every team the spending power it needs — and finance the control it wants. Issue employee cards with budgets, category rules and real-time transaction feeds that plug into your expense workflows.
Your program
- Per-employee cardsVirtual cards for online tools and travel, physical cards for on-the-go teams — issued in seconds.
- Budgets & approvalsSet limits per card, per team or per period; adjust or freeze instantly when plans change.
- Merchant category rulesAllow travel but not gambling, SaaS but not cash withdrawal — enforced at authorization time.
- Real-time feedEvery swipe appears immediately via webhooks — no waiting for statements to reconcile spend.
Launch checklist
- Create the program
- Issue team cards
- Enforce policy
- Reconcile in real time
- PCI DSS Level 1 systems
- Visa & Mastercard programs
- 150+ countries
- 35+ currencies
The problem
Launching payments usually means building a bank first.
The product is rarely the hard part. The dependencies are: scheme membership, a sponsor bank, a certified PCI environment and a stack of vendors, each with its own queue.
Scheme membership is a project in itself.
Going to Visa or Mastercard directly means capital requirements, audits and a sponsor bank before a single card ships.
Compliance becomes a second product.
PCI DSS, KYC, AML monitoring and disputes each need their own people, vendors and audit cycles.
Every vendor is another integration.
Processor, ledger, KYC and payout providers each bring their own API, contract and failure modes.
Run it yourself
One program, two ways to launch it.
Launch corporate cards under your brand Ready
Building it with a bankIdle: press Launch the program
- Apply for card scheme membership
- Negotiate a sponsor bank and BIN
- Build and certify a PCI DSS environment
- Integrate processor, KYC and ledger vendors
- Wait for scheme certification
Every dependency sits in another team's queue, and you still own the audits.
Launching it on NetPayIdle: press Launch the program
- Create the program
- Issue team cards
- Enforce policy
- Reconcile in real time
Same program. One partner, one API and one contract.
Capabilities
Company spending, precisely controlled
Everything here runs on the same NetPay rails, API and dashboard.
Budgets & approvals
Set limits per card, per team or per period; adjust or freeze instantly when plans change.
Merchant category rules
Allow travel but not gambling, SaaS but not cash withdrawal — enforced at authorization time.
Real-time feed
Every swipe appears immediately via webhooks — no waiting for statements to reconcile spend.
Receipts & data
Enriched transaction data ready to match with receipts in your expense workflow.
Multi-currency spend
Teams spend across borders with settlement in 35+ currencies behind the scenes.
How it works
How companies roll out expense cards
A guided path. We carry the regulated heavy lifting so your team ships the product.
Create the program
Onboard the company with KYB verification and funding setup.
Issue team cards
Generate cards per employee or department with tailored budgets.
Enforce policy
Category and limit rules apply automatically at every authorization.
Reconcile in real time
Stream transactions into your accounting or expense system.
Who it's for
Built for teams that move money.
- Expense management SaaS
- Accounting platforms
- Travel management companies
- Scale-ups & enterprises
- Procurement teams
- Fleet & field-service businesses
How we compare
How NetPay compares.
Every option gets you to a live program eventually. The rows show what each one asks of your team.
| Capability | NetPay | Build in-house | Legacy processor |
|---|---|---|---|
| Card scheme membership | Not needed, we sponsor | Required | Usually required |
| PCI DSS scope | On our Level 1 systems | Yours to certify | Shared with you |
| Cards, IBANs and payouts | One platform | Separate vendors | Cards only |
| Integration | One REST API and webhooks | Several vendor APIs | Batch files, legacy APIs |
| Sandbox before launch | Full sandbox | Build your own | Limited |
| Your brand | Every card, app and statement | Yes | Often co-branded |
Can spend policies be enforced automatically?
Yes. Limits, merchant category and country rules are evaluated during authorization, so out-of-policy transactions decline at the terminal instead of surfacing weeks later in reports.
Can we embed expense cards into our own software?
Yes. The issuing API lets SaaS platforms offer branded expense cards as a product feature — cards, controls and transaction data all under your brand.
How quickly can new employees get a card?
Virtual cards are issued in seconds and usable immediately; physical cards follow through fulfilment while the virtual card covers interim spending.
Launch corporate cards under your brand.
Tell us what you're building and we'll scope the right program and rails with you.