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Commercial Card Rails

Corporate Cards & Spend Control Platform

Empower teams with modern corporate expense cards while maintaining complete financial oversight. Issue virtual cards instantly for online software subscriptions and physical cards for business travel with granular merchant category restrictions and real-time ledger tracking.

cards.spend.controller
CARD ACTIVE
Cardholder:Pooja Iyer (Engineering Lead)
Card Mask:RuPay Commercial •••• 4019
Allowed Categories:Cloud Infrastructure, SaaS Only
Monthly Budget:₹1,50,000 / ₹2,00,000 Cap
Platform Capabilities

Total financial control over company-wide spending.

Say goodbye to shared corporate card nightmares and end-of-month expense reporting headaches. Issue department-specific cards with rigid budget caps and automated GST receipt collection.

Instant virtual card generation for marketing ad spend, cloud hosting, and software licenses
Durable physical EMV contactless cards for executive travel and corporate events
Granular Merchant Category Code (MCC) locking to prevent unauthorized spend
Customizable daily, weekly, or monthly per-card spending ceilings
Real-time mobile transaction alerts with automated WhatsApp receipt capture
One-click instant freeze, unfreeze, or cancellation via dashboard or API

Infrastructure Specifications

Card NetworksRuPay Commercial & International Schemes
Card FormatsVirtual Cards & Physical Contactless EMV Cards
Control EngineReal-time Pre-Auth Webhook & Dynamic Decisioning
TokenizationRBI Compliant Network Token Vault
ReportingLive Webhook Events & Automated Statement Exports
Why Choose Us

Engineered for reliability, scale & speed.

Deliver seamless experiences to your agents, merchants, and customers.

Zero Budget Overruns

Set hard spending caps per employee or department that automatically decline transactions exceeding limits.

Instant Virtual Cards

Generate dedicated virtual card numbers in seconds for secure single-merchant recurring vendor billing.

Automated Tax Matching

Match merchant transactions with GST-compliant vendor invoices automatically, saving hours of bookkeeping.

Category Restrictions

Lock cards strictly to specific business merchant categories (such as Airlines, Hotels, Cloud, or Office Supplies).

Seamless Accounting Sync

Export categorized transaction streams directly into Tally, Zoho Books, QuickBooks, or NetSuite.

Team Delegation

Department managers can approve temporary limit increases with simple one-click mobile confirmations.

Step-by-Step Flow

How the transaction lifecycle works.

01

Assign Member & Policy

Select an employee or department and assign a monthly budget ceiling and approved spending categories.

02

Issue Virtual or Physical Card

Virtual cards are live immediately; physical contactless cards are dispatched directly to the office address.

03

Employee Spends

Employee completes payments online or in-store. Transactions are evaluated against rules in real time.

04

Automated Reconciliation

Transaction clears instantly. Employee uploads receipt snapshot; expense is categorized automatically.

Applications

Target use cases & audiences.

Digital Marketing Teams

Ad Spend Management

Dedicated virtual cards for Google Ads, Meta Ads, and LinkedIn campaigns with dedicated monthly ad budgets.

Engineering & DevOps

Cloud Infrastructure

Isolate AWS, GCP, GitHub, and SaaS subscriptions onto individual cards with automated alerts.

Sales & Executive Teams

Travel & Client Entertainment

Physical corporate cards for flights, hotels, and dining with automated expense compliance.

Security & Compliance

Enterprise-grade financial defense.

Protected by multi-layered encryption, certified hardware modules, and strict regulatory standards.

Bank-Grade Encryption

TLS 1.3 encryption in transit and AES-256 GCM at rest for all transaction payloads.

FIPS 140-2 HSM Vault

Sensitive PIN blocks and biometric PID data are processed strictly in hardware modules.

RBI & NPCI Standards

100% compliant with national operating circulars, data localization, and tokenization rules.

T+0 Audit & Reconciliation

Deterministic idempotency keys and automated transaction ledger balancing.

Frequently Asked Questions

Everything you need to know.

Virtual cards can be generated instantly from the dashboard or via API and are immediately ready for online purchases, ad spend, and recurring software subscriptions.
Start Building Today

Ready to power your digital financial operations?

Join thousands of retail agents, digital platforms, and merchants who rely on paywiththem for fast, secure, and compliant financial infrastructure across India.

Paperless Digital Onboarding
Instant T+0 Wallet Settlements
24/7 Dedicated Support