Employees spend 30 minutes per expense report. Finance chases 40% of missing receipts. Corporate cards have no per-employee spend limits. Budget visibility is post-spend (reactive, not proactive). Traditional corporate cards require personal guarantees. Reconciliation takes days.
Modern spend management with virtual and physical corporate cards, per-card spending limits, real-time expense tracking, automated receipt matching, and budget controls that prevent overspending before it happens.
Companies with 20–500 employees needing expense control, finance teams chasing receipts and expense reports, and growing startups wanting Brex-like features without Brex pricing
Remote work demands digital spend controls. Card issuing APIs (Marqeta, Lithic) commoditized. Companies want real-time budget visibility. Interchange-funded models make base product free. Receipt AI eliminates manual expense reports.
Interchange revenue: 1.5–2% of card spend (from Visa/MC). Platform: free for basic (revenue from interchange), $10/user/mo (premium controls + analytics). Annual: 20% discount.
No controls, no real-time tracking, manual reconciliation, receipt chasing
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