Instant virtual debit cards: Safer, faster online payments
No shared card details, no fraud risk, no waiting. Generate and send a virtual payment card instantly for any online purchase — single-use, multi-use or recurring — while keeping complete control.
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Reduce risk
Shield your company from internal and external fraud. Every virtual card — single-use, multi-use or recurring — keeps your real card details safe.
Simple by design
All teams and employees can use it in seconds, with no special training required.
Boost productivity
Employees and managers can focus on core tasks, without wasting time on admin.
Real-time visibility
Online and offline transactions are displayed in real time in the spending dashboard.
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From request to payment in seconds
Employee requests a virtual card — single-use, multi-use or recurring — from the app or dashboard
Manager approves in one tap and the card is generated instantly
Funds are requested in advance, so the finance team gets full visibility of the spend before it happens
Employee pays online using the virtual card details, or in person via Apple Pay/Google Pay if using a multi-use card
Employee gets a push notification and submits their receipt immediately
For multi-use cards: employee requests a top-up when they need more budget — custom approval flows route it instantly
One card per purchase or project, with every transaction accounted for
Generate a card for any purchase or project
Every online purchase used to mean sharing stored card numbers with another platform. Now each employee can request their own virtual card for one-off purchases or ongoing projects. The company card is no longer required.
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Spend approved before a penny leaves the account
With virtual cards, finance stays ahead of spend. Every card is created with a pre-approved budget, a purpose, and rules already set.
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Single use-cards
The easiest way to avoid online fraud is to leave nothing behind. Single-use cards generate a unique number for each transaction. Once used, the details expire automatically.
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Multi-use cards
A virtual card with a set allowance and expiry date. Use it for as many purchases as needed until the budget runs out. If more budget is needed, employees simply request a top-up and get it approved in one tap.
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AI that keeps virtual card receipts under control
After every virtual card purchase, employees get an instant prompt to upload their receipt. The app reads it automatically and fills in the key details in seconds — more than 95% of receipts are submitted within two days."
AI learns from your company's virtual card spending patterns. Once a receipt is uploaded, it immediately suggests the correct supplier and budget category.
Duplicate or incomplete receipts are flagged automatically — even across multiple virtual cards and projects — so there's no back-and-forth at month-end.
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Your whole team's card spend on one screen
See every virtual card's budget, remaining balance, and last transaction in one place. Whether you need to check on a specific employee or track a project budget, the information is there the moment you need it.
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Instant
Cards generated — available the moment they are approved
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Shared company cards. Every card belongs to one person.
95%
Receipt collection rate (vs. industry average of 60-70%)
Unlimited
Physical cards included, no extra charge per card or per user
Trusted by finance teams who move fast and don’t break things
100% adoption, in under 30 days
Read the full story"I can’t imagine how our business would operate without Spendesk. We couldn’t ask for a better spend management system."
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12x transaction volume
Read the full story“ Spendesk gives us the agility we need to manage spend and accounting at scale. Today I couldn't imagine working without it.”
Seamless integrations
Read the full story“ The friction-free NetSuite integration was one of the deciding factors for us.”
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+3 days per month gained
Read the full story“ How Evaneos gains 3 days per month with automated reconciliation.”
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What you can do with Spendesk in 90 days
Real-time control on spend, secure payment methods, clever automations, and more — making accounting a breeze.
Onboarding complete. AI begins reading documents and building your secure transaction history. Set up budgets and integrations at this stage
Bookkeeping suggestions begin appearing as confidence builds. Approval workflows configured and live.
Duplicate detection and anomaly flagging fully active. Team in review mode, not data-entry mode.
Month-end close faster than before. Data exported, books closed. Your team has time back.
What you can do with Spendesk in 90 days
Real-time control on spend, secure payment methods, clever automations, and more — making accounting a breeze.
Onboarding complete. AI begins reading documents and building your secure transaction history. Set up budgets and integrations at this stage
Bookkeeping suggestions begin appearing as confidence builds. Approval workflows configured and live.
Duplicate detection and anomaly flagging fully active. Team in review mode, not data-entry mode.
Month-end close faster than before. Data exported, books closed. Your team has time back.
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