Powerful tools for modern finance teams
Everything you need to manage corporate spending, from card issuance to expense reconciliation. Built for teams that value control, visibility, and efficiency.
Issue cards in seconds, not weeks
Virtual and physical Mastercard cards with instant issuance, granular controls, and real-time visibility.
Virtual Cards
Create unlimited virtual cards instantly for online purchases, subscriptions, and vendor payments. Perfect for one-time purchases or recurring expenses.
- Instant issuance with immediate activation
- Single-use cards for one-time purchases
- Recurring cards for subscriptions
- Lock cards to specific merchants
- Set exact spending amounts
- Auto-expire after set period
Physical Cards
Premium cards for in-person purchases, business travel, and client entertainment. Available in metal or plastic with optional custom branding.
- Delivery within 3 business days (UK)
- Metal cards for premium appearance
- Custom branding for Enterprise
- Contactless and chip enabled
- ATM access in 210+ countries
- Replacement cards shipped same day
Card Controls
Granular spending controls that give finance teams complete oversight while empowering employees to spend within approved parameters.
- Per-transaction limits
- Daily, weekly, and monthly caps
- Merchant category restrictions
- Geographic limits by country
- Time-of-day restrictions
- Vendor allowlists and blocklists
Instant Actions
Real-time control over every card from the dashboard or mobile app. Freeze, unfreeze, or cancel cards with a single click.
- One-tap freeze and unfreeze
- Instant limit adjustments
- Emergency card cancellation
- PIN reset online
- Card details viewable anytime
- Transaction disputes in-app
Complete control over every pound spent
Pre-spend controls prevent policy violations before they happen, not after.
Spending Limits
Set per-transaction, daily, weekly, or monthly limits at the card level. Limits are enforced in real-time before transactions are authorised.
Merchant Categories
Allow or block entire categories of merchants using MCCs. Prevent cards from being used at casinos, bars, or any category not relevant to business spending.
Geographic Restrictions
Limit card usage to specific countries or regions. Issue travel cards that only work in approved destinations.
Time-Based Controls
Restrict cards to business hours or specific days of the week. Prevent after-hours or weekend spending on employee cards.
Approval Workflows
Require manager approval for transactions above certain thresholds. Multi-level approval chains for high-value purchases.
Vendor Management
Create allowlists of approved vendors or blocklists of prohibited merchants. Lock subscription cards to specific vendors.
Eliminate expense reports forever
Automatic receipt capture, intelligent categorisation, and seamless reconciliation.
Smart Receipt Capture
Snap a photo with the mobile app and our AI extracts merchant, amount, date, and line items automatically. Receipts are matched to transactions instantly.
Auto-Categorisation
Machine learning categorises expenses based on merchant, amount, and spending patterns. Categories map directly to your chart of accounts.
Policy Enforcement
Flag out-of-policy expenses automatically. Require justification for unusual spending. Block policy violations before they occur.
Receipt Reminders
Automated reminders nudge employees to submit missing receipts. Escalation workflows ensure compliance without manual chasing.
Audit Trail
Complete history of every transaction, receipt, approval, and modification. Meets requirements for financial audits and tax compliance.
VAT Recovery
Automatic VAT detection and extraction from receipts. Generate reports for VAT reclaim with supporting documentation.
Visibility that drives better decisions
Real-time dashboards, customisable reports, and actionable insights.
Real-Time Dashboard
Live view of company spending with drill-down by department, project, employee, or vendor. See pending transactions, recent activity, and budget status at a glance.
Spend Analytics
Trend analysis showing spending patterns over time. Identify anomalies, track category growth, and benchmark against previous periods.
Budget Tracking
Set budgets by department, project, or cost centre. Real-time tracking against budgets with alerts at configurable thresholds.
Custom Reports
Build custom reports with drag-and-drop. Filter by any dimension, schedule automated delivery, and export to Excel, PDF, or CSV.
Vendor Analysis
See total spend by vendor, transaction frequency, and average purchase size. Identify consolidation opportunities and negotiate better rates.
Compliance Reporting
Out-of-policy reports, receipt compliance rates, approval turnaround times, and policy violation trends. Keep your team accountable.
Built for teams of all sizes
From startups to enterprises, manage spending across your entire organisation.
Role-Based Permissions
Define roles with specific permissions for viewing, approving, and managing expenses. Pre-built roles for Admin, Manager, Finance, and Employee.
Departments & Teams
Organise users into departments with their own budgets, approval workflows, and reporting. Nested teams for complex structures.
Approval Workflows
Configure approval chains based on amount, category, or department. Sequential or parallel approvals with delegation.
Employee Onboarding
Invite employees via email or SSO. Automatic card provisioning based on role. Self-service portal for profile management.
Multi-Entity Support
Manage multiple legal entities, subsidiaries, or regions from a single dashboard. Consolidated reporting with entity-level drill-down.
SSO & Directory Sync
Single sign-on with Google, Microsoft, Okta, or any SAML 2.0 provider. Automatic user provisioning from your directory.
Connect to the tools you already use
Native integrations with leading accounting, ERP, and productivity platforms.
Accounting & ERP
HR & Payroll
Productivity
Travel
Build Custom Integrations
Full REST API with webhooks for real-time events. SDKs for Node.js, Python, Ruby, Go, and more.
View API DocumentationEnterprise-grade security
Your financial data protected by industry-leading security measures.
FCA Authorised
Authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution.
PCI DSS Level 1
Highest level of payment card industry security certification for handling card data.
SOC 2 Type II
Independently audited controls for security, availability, and confidentiality.
ISO 27001
Certified information security management system covering all operations.
UK GDPR Compliant
Full compliance with UK data protection regulations and privacy requirements.
3D Secure 2.0
Enhanced authentication for online transactions with reduced fraud risk.
Ready to transform your expense management?
Join thousands of businesses using Vydapay to control spending and save time.