Spend
Give your team cards you stay in control of
Physical and virtual Visa cards that spend money you already hold, anywhere Visa is accepted. No credit facility, no borrowing, and every transaction visible as it happens.
What you get
Controls per card
Limits, merchant categories and instant freezes, set by you: per card, per team, per trip. A card that should only ever pay one supplier can be restricted to exactly that.
A card per person, not a shared one
Issue to employees, contractors, departments or individual vendors. Each card carries its own name in the reporting, so nobody has to work out afterwards whose spend it was.
Reporting for finance
Clean statements and exports that reconcile against your accounts line, with spend appearing against the card that made it as it happens.
Spending at company level rather than issuing to a team, or looking for the currencies a card can spend from? Business debit cards covers the card on the account itself, including how prepaid differs from credit.
How it works
Cards sit on top of your business account, so the account comes first and the cards follow it.
Open the accounts line
Cards draw on balances held in your business account, so the account is opened and funded first. If you already run one with the group, cards are added to it.
Issue a card per person or per purpose
Virtual cards for anything recurring online, physical cards for spend that happens in person. Each one is a separate card with its own name on the reporting.
Set the rules before the money moves
Per-card limits, merchant-category controls and instant freezing, decided up front. A card that should only ever pay one supplier can be restricted to exactly that.
Reconcile as it happens
Spend appears against the card that made it, with statements and exports built for month-end rather than a shoebox of receipts.
Why one company card stops working
Most businesses start with a single card and a shared PIN. It works until it doesn’t: two people need it in different countries in the same week, nobody can tell which subscription renewed, and finance spends the last three days of every month matching receipts to a statement that arrived after the period closed.
Issuing a card per person or per purpose fixes the cause rather than the symptom. Each card carries its own limit and its own merchant categories, which means an unexpected charge is blocked at the point of sale instead of discovered at month end. And because every card reports separately, a line on the statement already tells you whose spend it was and what it was for.
The cards spend from balances you already hold on the accounts line, not from a credit facility. That matters for two reasons: there is no borrowing to arrange or service, and your exposure at any moment is capped by the balance and the limits you set, not by a facility somebody could draw down.
Virtual or physical
Virtual cards
Issued without waiting for post, so they suit anything that recurs online: software subscriptions, ad spend, supplier portals. Give each vendor its own card and cancelling a service becomes a single click rather than a phone call.
Physical cards
For the spend that happens in person: travel, fuel, hospitality, trade counters. Same controls, same reporting, and the same instant freeze if a card goes missing on the road.
Most finance teams run both, and split them by job rather than by seniority: one virtual card per recurring vendor, one physical card per person who travels. Cards that spend straight from your account balances are covered on business debit cards; the account itself is on business accounts.
Frequently asked questions
Cards are issued by authorised institutions in or alongside the group, under their own licences and card-scheme memberships. The issuer is named during onboarding.
Per-card limits, merchant-category controls and instant freezing, plus clear reporting so finance sees spend as it happens, not at month end.
Yes. Multi-currency spend is supported, drawing on wallet balances where available so you avoid unnecessary conversions.
Cards spend from balances you already hold on your accounts line, not from a credit facility. There is no borrowing to arrange, and your exposure is capped by the balance plus the limits you set on each card.
Yes, and it is the most common way teams use virtual cards. A card restricted to one vendor makes cancelling that service a single action, and stops an unexpected renewal landing on a shared card.
The card is frozen instantly from the platform, which stops further spend without disturbing any other card or the underlying account. Reporting for the spend already made stays intact.
Both spend from balances you hold. Expense cards are aimed at team spending, where the point is issuing many cards with individual limits and controls; business debit cards are aimed at spending directly from the account itself. Most businesses running both use debit for company-level spend and expense cards for people and vendors.
Check if we can help
Tell us what you need. You’ll deal with one team, with the group’s licensed institutions behind it, and get a straight answer either way.