Business Credit Cards with Spend Controls | Mobilexpense

Business Credit Cards with Spend Controls | Mobilexpense

KLM

Raiffeisen IMPULS Leasing - Mobilexpense customer

SpendLab

Centralised governance

Admins issue cards, finance sets the policies and limits, and every card change is recorded with a full audit trail.

Real-time visibility and compliance

Transactions post instantly with no need to wait for statements, receipts are captured instantly, and out-of-policy spend is flagged automatically.

Reduce finance workload

Receipt chasing and approval reminders are automated and approvals become exception-based so only outliers need attention.

Issue virtual and physical cards

Create cards for employees individually or in bulk, anywhere, anytime.

Freeze, unfreeze and terminate

One-click security controls. Freeze a card instantly if something looks wrong, then unfreeze or terminate permanently.

Company-wide and per-card limits

Set budgets at the company, department, or individual level with real-time alerts when thresholds are reached.

Block merchants and categories

Restrict spending by merchant, category, or ATM permissions: policies enforced automatically on every transaction.

Real-time transaction visibility

See card transactions instantly as they happen in Declaree. No need to wait for bank statements.

Real-time spend monitoring

Track company spending across all cards in one place and quickly spot unusual or out-of-policy transactions.

Mid-size business

Control company spending from day one. Automate employee expenses, issue business credit cards, and gain real-time visibility.

Spend management for growing businesses

Enterprise

Manage global spending with advanced policy controls, compliance automation, and integrations with your ERP and accounting systems.

Scale with financial control

Finance creates a virtual card in seconds

A one-time virtual card gets generated for James to use at lunch.

James takes important client out for lunch

James pulls out his Apple Pay and pays with his Mobilexpense virtual card.

James snaps the receipt at the table

He takes a photo and uploads the expense receipt within the mobile app.

Finance checks the dashboard and smiles

No reminding or chasing James for receipts. Just clean data, full visibility.

"Declaree is super user-friendly. Without any training our employees were able to start expensing instantly. The OCR is super fast and captures all receipt data even when the app is offline."

Danny S.

Financial assistant to CFO

"Users can upload photos of receipts directly in the app. No more searching for all receipts once a month. Uploading credit card statements works perfectly. It is fairly easy to set up and tailor to the needs of the organization."

Ko B.

Executive Director

"Credit card transactions are directly sent to Declaree and a respective expense is automatically created. Never look for that one missing credit card receipt again, with Declaree receipts are automatically matched to the credit card transactions."

Verified User

Accounting

"It's a really simple app that you can tailor to an individual, setting up defaults for currency and project they are working on. Simple to take a photo of your receipts on your phone and submit expense reports."

Verified User

Mechanical or Industrial Engineering

Your cards. One control centre.

Already issued corporate cards to your team and don’t want to switch?

You can connect existing bank cards and manage every transaction alongside your expenses.

Works with all corporate cards
Full visibility for finance teams
No disruption to your current setup

[Solution] Cards_Bring them (1)

Mobilexpense cards are Visa business credit cards, so they’re accepted worldwide (online, in-store, travel, SaaS tools, etc.).

They’re designed for companies that pay suppliers abroad, travel, or use international tools.

Mobilexpense offers modern corporate credit cards. Our convenient and easy-to-use card management platform allows for flexible setting of card limits and real-time reporting and seamlessly integrates with your existing setup of accounting and travel expense management tools and processes.

Mobilexpense offers Visa credit cards, both virtual and physical. Regarding physical cards, customers can choose between Blue (Visa Platinum Business) and Black (Visa Infinite Business credit cards). Mobilexpense is neither a prepaid nor a debit card and, therefore, is bank account independent, offers maximum card acceptance, and does not need to be charged in advance.

Mobilexpense business credit cards eliminate out-of-pocket expenses by giving employees direct access to company funds. Finance teams maintain control through spend limits, vendor-specific cards, and real-time management from a central dashboard.

Yes, bring your existing credit cards and we integrate with them.

Mobilexpense assigns security and data protection the highest priority. All personal data is stored in accordance with the European General Data Protection Regulation (GDPR). Critical card data are stored and processed in line with the very high data security standards of the payment card industry (PCI DSS). Additionally, Mobilexpense cards are enabled for 3DS to ensure additional protection for online purchases.

3D Secure is a free service facilitated by VISA that lets you transact securely on “Verified by Visa“ / “Visa Secure” online merchants using your Mobilexpense credit cards. It adds a security layer via an additional verification step. During this verification, you must provide a one-time password that is only available to you.

All Mobilexpense credit cards are automatically equipped with 3D Secure. During your online purchase you will receive the one-time password via SMS for the verification. You can then input this password into the verification page that will show the Visa logo and confirm the payment by clicking confirm / send. If the password is correct, the transaction will be successful and otherwise declined. Mobilexpense credit cards also work at merchants that do not participate in Visa 3D secure program.

This service is offered due to the EU’s Second Payment Services Directive (PSD2) which will mandate Strong Customer Authentication (SCA) before initiation of the payment. Therefore, Visa recently enhanced its security for online purchases including both e-commerce and m-commerce transactions to satisfy this new standard.

Learn more about Visa 3D Secure.

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