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Business Expense Cards

Multi-Currency Virtual & Plastic Cards for Business

Issue virtual and physical cards in GBP, USD, and EUR

Real-time spending limits and merchant controls across every card

Automatic reconciliation - no manual work, no reimbursements

Mid-market FX rates, 0% fees, and a cash rebate on every transaction

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Virtual & Plastic Business Expense Cards Built for Global Spend

Fyorin's business virtual cards and plastic business expense cards give global businesses the flexibility of a credit card with the control of a debit card. Issue cards instantly, manage spend across currencies and entities, and turn payment costs into earnings, all from one platform.

Multi-Currency Virtual Business Cards for Global Payments

Pay anywhere in the world using virtual and physical multi-currency virtual cards, accepted across Mastercard and Discover networks. Issue a GBP virtual card, USD virtual card, or Euro virtual card from one central account, with no local bank accounts needed.

Pre-Spend Controls That Keep Your Finance Team in Charge

Assign corporate virtual cards by user, team, or project with merchant-level rules and in-built spending limits. As part of Fyorin's expense management automation, you can automate subscription payments and schedule top-ups from the platform.

Turn Every Transaction into a Business Benefit

Turn payment costs into earnings with multi-currency virtual cards for business running at mid-market FX rates with 0% transaction fees. Every transaction on Fyorin's virtual accounts earns a cash rebate, from fuel and digital advertising to supplier payments.

Automated Reconciliation, Zero Reimbursements

Employees submit receipts on the go, feeding directly into native ERP integrations for automatic categorisation. Card transactions automatically pre-populate the attached expense claim, eliminating manual work and reimbursements. Any card with a missing receipt can be blocked instantly.

Secure Cards with Full Remote Control

Security is built into every layer of Fyorin's card infrastructure, backed by our virtual card security protocols. Physical cards display no personal details at the point of sale, and virtual corporate cards can be frozen, deleted, or reissued in seconds. Single-use options are available for trials, one-off purchases, and contractor payments.

Issue Unlimited Cards - Virtual, Physical, or Both

Issue as many virtual company cards as your business needs, single-use or multi-use, linked to a physical business virtual debit card or standalone. For high-volume virtual card issuing at scale, the virtual card API for business makes it fast and straightforward.

What Our Clients Say About Our Virtual Business Cards

Here's what finance teams across travel, gaming, and professional services have seen since switching to Fyorin:

Fyorin has helped us save plenty of time through the use of virtual cards - an easy way to manage company spend - whilst also allowing us to empower our people and speed up the approval process. Highly recommended if you're looking for a simple solution to everyday finances.

Patrick Cutajar

EyeTech

Fyorin was a solution to group-wide financial challenges. It made paying staff and expenses in Malta easier and reduced charges incurred from traditional banking channels. Plus the ability to manage different credit cards for budgeting purposes is very handy. It allows for better control over expenses and budget allocations.

Rodger Williams

Elite Group

With Fyorin it’s easy for us to just send over the local payment details to our US clients and receive payment in USD. There's a number of service providers we need to pay in the UK so being able to quickly exchange the funds into GBP and do the payments is another benefit. All these payments go through very quickly.

Andrei-Andy Linnas

Thought3D

The automation of accounts payable brought us significant ROI. All invoices are automatically pushed to Xero and we can just approve them without needing to worry about manual entry, errors or remembering who we need to pay. The system takes care of it and it used to be a huge burden for us.

John Ellul

Veracloud

Why Choose Fyorin’s Multi-Currency Card Platform

One Platform for GBP, USD, and EUR Card Issuing

Manage your GBP card, USD virtual card, and Euro virtual card from one unified platform, with no need to manage multiple bank relationships. Cards are issued in under a minute, compared to the two weeks traditional banks typically take.

Built for Finance Teams Operating Across Borders

Built to grow with you, not slow you down. Finance teams get remote control over virtual business debit cards and multi-currency expense cards for teams, plus API access when volume demands it.

Issue Cards in Minutes, Not Weeks

Get your team set up with prepaid business expense cards in under a minute, not the two weeks traditional banks typically take. Top 3 Travel cut 10 hours of weekly admin and had their cards live the same day.

Request Your Card

FAQ

What currencies can I issue virtual cards in, and how does it work?

Fyorin issues virtual cards in GBP, USD, and EUR from one platform, with no local bank accounts needed. The card is loaded with a specific currency based on the accounts you have opened with Fyorin. For example, if you have GBP or EUR accounts, you can issue cards in those currencies.

What can I use Fyorin's virtual cards for?

Teams can use Fyorin’s virtual expense card for subscriptions, digital advertising, fuel, travel bookings, contractor payments, and product trials.

Is Fyorin suitable for teams managing expenses across multiple currencies?

Yes. Fyorin’s virtual cards for remote teams give finance teams one central platform to manage spend across multiple entities and currencies without disruption. The cards are issued instantly and controlled centrally, with full visibility across every currency and entity your business operates in.

What are the fees for using Fyorin's virtual cards?

With Fyorin as your virtual card issuing provider, you enjoy 0% transaction fees, mid-market FX rates, and a cash rebate on every transaction.

What type of cards can you issue?

Mastercard Commercial Debit and Discover Corporate Debit - prepaid or debit, virtual or physical. All the cards on the Fyorin platform can be operated as prepaid (balance guaranteed to the card), or as debit (limit set on card, but depends on the balance of the linked account)

Is there a charge to create or use virtual cards?

No charge to issue or use them.

What are the typical card usage and transaction limits?

Default limits start at €5,000 and can exceed €250,000. Physical cards mirror the limits of their linked virtual card, and administrators can configure ATM thresholds globally or adjust them per card for tighter control where it counts.

How many cards can I issue?

With Fyorin, there are no limits on the number of cards you can issue as long as it makes business sense. For businesses with a high volume of transactions, API integrations make it straightforward to integrate card issuing into your existing workflow. Note that only one physical card can be requested per designated card user.

Do the cards expire?

Virtual cards expire after 3 years, whilst physical cards expire after 5 years. However, the validity period can be shorter, depending on the balance limit applied to the card; the higher the limit, the shorter the validity period. In the case of subscriptions, you will simply need to update your subscription details with the new card details. Also, if any balance is available in the card once it expires, the funds will be reverted to the originating account automatically.

Can I issue employee expense cards?

Yes, you can issue a virtual card and assign it to an employee or team to manage team expenses. Note that you can enable a virtual card to be used via the physical card. The employee can then decide which virtual card is active on the physical card for point-of-sale use.

Is there a charge to create or use physical cards?

Yes, these are outlined on the platform, but generally there is a creation fee, a delivery charge and a maintenance fee per month. Note that we do offer some free cards as part of some of our packages.