The limit should hold before the money leaves.
Reimbursement is a policy applied too late. Put the rule on the card instead — budgets, categories, merchants and geographies enforced at the moment of authorisation — and a spend outside policy simply never goes through.
Control at authorisation, not at month end.
Most expense software watches money after it has been spent. We sit in front of the transaction. When a card is tapped, the policy runs before the bank says yes.
Rules live on the card
Budgets and categories are checked in the authorisation flow. Nothing to approve after the fact, nothing to claw back.
Receipts before the car door closes
The cardholder gets a prompt the second the swipe clears. Photograph the bill, done. It matches itself to the transaction.
A close that is already closed
Every line carries cost centre, GST fields and approval trail. Finance exports it; nobody reconstructs it.
What is in the box.
Everything below ships with the expense product. There are no tiers that hold back controls.
Budgets by person, team, trip or cost centre
Set a total, a daily cap, and an expiry date. Budgets can be recurring (monthly fuel) or one-off (a conference trip) and can be topped up mid-period with approval.
Merchant category and merchant-level rules
Allow fuel and tolls, block bars and electronics, or whitelist a single vendor. Rules apply at every authorisation, online and offline, and can differ by team.
Geography and time-of-day limits
Restrict a card to a city or state, or to working hours. Useful for field teams and for cards issued to contractors.
Per-transaction caps and velocity limits
Stop a single swipe above a threshold, or more than a set number of swipes in an hour. Both help catch a card that has left the right hands.
Instant freeze and unfreeze
From the console, the app, or the API. A frozen card declines everywhere within seconds and can be unfrozen just as fast.
Approval workflows for exceptions
Let a manager approve a one-off overage from their phone. The approval is logged against the transaction.
Capture at the point of spend
A push notification asks for the receipt the moment the transaction clears. Photo, PDF or forward-by-email are all accepted.
Automatic matching and OCR
Receipts are read for amount, date, merchant and GST number, and matched to the transaction. Mismatches are flagged, not silently accepted.
Missing-receipt nudges
Cardholders are reminded on a schedule you set. Persistent gaps can automatically pause a card until the receipt arrives.
Cost centres, projects and tags on every line
Assigned by rule (this card always books to SLS-04) or by the cardholder at capture. Tags flow straight into your export.
GST-ready detail
Vendor GSTIN, invoice number, taxable value and tax split captured where the receipt provides it, so input-credit claims are not rebuilt by hand.
Exports for Tally, SAP, Oracle, Zoho
Scheduled or on demand, in the formats those systems accept. Or pull the same data over the API into your own warehouse.
Real-time spend dashboards
Spend by team, category, merchant and person, against budget, updated as authorisations happen — not after the statement.
Statement that reconciles
Loads, spends, reversals and fees on one statement with references that match your bank and the issuing partner. Tied out, every month.
Cardholder app
Balance, limits, recent spend, receipt capture and card freeze in one screen. Works in Hindi and English.
Bulk issue and load
Upload a list of employees, issue virtual cards in minutes, and load them from one funding account. Physical cards follow within days.
Contractors and temporary staff
Cards with an end date that expire on their own. Unused balance sweeps back to the funding account automatically.
Role-based console access
Admins, approvers, finance viewers and auditors each see what their role needs, with maker-checker on every money movement.
From policy to first swipe.
Write the policy, once
Who gets a card, what they may spend on, how much, where, and who approves exceptions. We turn it into rules in a working session.
Issue and load
Upload the employee list, issue virtual cards immediately, load them from your funding account. Physical cards are printed and despatched.
Spend, with the rule in the loop
Every authorisation runs the policy. Allowed spends clear and prompt for a receipt. Disallowed spends decline politely with a reason on the cardholder's phone.
Close, without chasing anyone
Receipts are matched, lines are tagged, and the statement is exported. The month closes on the first, not the tenth.
Built for how Indian companies actually spend.
Field sales and service teams
Fuel, tolls, meals and lodging by route, with daily caps that hold across three hundred kilometres and a receipt captured at the pump.
Distributed branches and plants
A card per site for local purchases and petty cash, replacing imprest accounts and the monthly envelope of bills.
Head-office teams
Subscriptions, travel and vendor payments with a card per department and a cost centre already attached.
Logistics and fleet
Driver cards restricted to fuel and toll categories, per-vehicle budgets, and FASTag recharges on the same platform.
Events and marketing
Time-boxed cards for a campaign or a conference that expire when it ends and sweep the balance back.
Contractors and gig workforces
Controlled cards for people who are not on payroll, with limits and an end date, without opening a bank account.
Questions finance teams ask.
Where does the money sit?
What happens when a swipe is declined?
Can employees see their own spend?
Does it replace our expense software or work with it?
What about spends that cannot go on a card?
See it with your own numbers.
A 30-minute call, a straight answer on timeline and cost, and partner licence details for your compliance team.