Business spending made simple

Issue virtual business cards that employees want to use. Real-time card control, instant receipt capture with pre-accounting, and complete spend visibility for finance teams.

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Business spending made simple

Issue cards instantly with configurable spend controls

  • Issue


    Instant virtual cards for employees with configurable spending limits

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  • Monitoring


    Real-time transaction monitoring for fully transparent spending

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  • Receipts


    In-app receipt capture with pre-accounting: zero manual reconciliation

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  • Configure


    Freeze cards, view limits, and monitor spending from anywhere

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  • Assign


    Create designated cards for team members with bespoke rules

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Award winning virtual cards

Platinum Award Winner

Virtual Card Innovation

Future Digital Awards

presented by

Juniper Logo

This award recognises our focus on building tools that solve real problems for merchants. With virtual business cards, finance teams gain the visibility and control they need to manage spend effectively, reduce risk, and move faster.

Breno OliveiraChief Product Officer

Flexible cards built for every team and process

Give every department the control, visibility, and real-time insight needed to manage expenses efficiently and securely, without reconciliation complications.

  • HR and People teams

    Manage employee expenses and benefits.

  • Procurement teams

    Streamline payments for vendors and suppliers.

  • Freelance & gig economy platforms

    Offer fast and compliant payout solutions to workers.

  • Operations departments

    Oversee travel costs, manage subscriptions, and distribute team spending.

  • Finance teams & CFOs

    Control spending and gain visibility over card usage.

  • HR and People teams

    Manage employee expenses and benefits.

  • Procurement teams

    Streamline payments for vendors and suppliers.

  • Freelance & gig economy platforms

    Offer fast and compliant payout solutions to workers.

  • Operations departments

    Oversee travel costs, manage subscriptions, and distribute team spending.

  • Finance teams & CFOs

    Control spending and gain visibility over card usage.

What our customers say

Managing our finances used to be a time-consuming process, especially when it came to paying suppliers and keeping track of different accounts. With payabl.’s multi-currency business account, especially when coupled with their POS system, we’ve been able to consolidate everything into one platform, making it much easier to manage our cash flow and payments. The fast onboarding and instant settlements mean we can focus more on running our business rather than worrying about payments delays. It's been a significant improvement for our operations.

flower o'clock logo

Mariana VorobevaOwner of Flower O'Clock

Why open a payabl. business account?

One provider. Total financial control

Accept payments, hold funds, manage expenses, and reconcile transactions in one connected ecosystem.

Faster money flow

A fully digital onboarding journey gets you up and running quickly, so you can open accounts, issue cards, and move money without operational delays.

Security that protects revenue and reputation

Enterprise-grade infrastructure, advanced fraud prevention, and robust compliance that safeguards your funds, transactions, and data.

Built to scale

From startup growth to international expansion, our infrastructure supports higher volumes, new markets, and evolving operational complexity without switching providers.

Virtual cards for smarter spending

Issue cards instantly, set granular limits, and track usage in real time to reduce misuse, improve cash flow visibility, and simplify expense management.

API-first integration for operational efficiency

Connect seamlessly to your existing systems to automate workflows, reduce manual processes, and streamline financial operations.

Ready to get started?

Empower your teams with instant access to controlled, trackable spending.

Get started