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Corporate Cards

Multi-currency corporate cards

Simplify global expense management with virtual or plastic cards

Easily issue and config multi-use and single-use expense cards

Turn payment costs into earnings with a cash rebate

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Cards tailored to your business, without giving up control

Our virtual business cards are tailor-made for global businesses, offering the benefits of both business credit cards, corporate credit cards, and commercial cards. Issue dedicated fuel cards, simplify global company and employee expenses, enjoy enhanced protection against fraud, exercise better spend control, turn payment costs into earnings and streamline reconciliation with a physical or virtual debit card.

Virtual & Physical cards for business with global spending

Create debit, pre-paid, or corporate cards in multiple currencies to manage company spending like business travel or marketing expenses, with the added benefit of low currency conversion fees. Virtual cards provide, instant creation and multi-currency options for seamless online transactions while physical cards let you take control of the on-the-go employee expenses.

Flexibility and spending limits control

Manage cards from the online platform to set up controls and spending limits, empowering finance teams to oversee business spending effectively. Enjoy an extra layer of security against fraud with the ability to remotely delete, freeze and issue new cards. Additionally, simplify the management of recurring payments by consolidating multiple subscriptions onto a single virtual card.

Streamline high-value purchases

Pay suppliers for high-value purchases without hassle. Issue cards supporting payments over €200,000 to pay for high-value purchases such as fuel, airport fees and other and earn cash rebate each time you spend. Additionally, our cards come with low FX fees, ensuring cost-effectiveness for international transactions.

Turn payment costs into earnings

Improve your bottom line and reduce costs. Earn a cash rebate every time you make a high-value purchase with a Fyorin multi-currency card.

Eliminate overspending

Identify card transactions with tags and assign them to specific sub-accounts to speed up reporting, streamline payment processes, and gain a better understanding of business expenses. Use our expense card for software subscription management, control overspending, and ensure secure online purchases.

Reconciliation on autopilot

Eliminate manual work and errors, out-of-pocket expenses or expense reimbursements. Enjoy automated reconciliation with the ability for employees to add receipts and invoices on the go and integrated accounting software.

Testimonials

What our clients say about us...

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 for card payments?

Virtual cards for businesses without borders

With our global network of financial institutions, you can issue cards in multiple currencies and streamline cross-border business payments.

One platform for multi-banking

Issue cards in multiple currencies from one platform. No need to open another bank account to access cards in a different currency.

Enhanced control

Unlike traditional physical cards, our virtual cards eliminate the worry of misplacing cards or cash, offering a digital-only format for ease of access.

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What type of cards can you issue?

We can issue Mastercard Commercial Debit Card and soon launching Discover Corporate Debit Card, and Discover Commercial Travel Card. 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).

Can I issue both physical and virtual cards?

Yes, both can be requested from the Fyorin platform.

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. We recommend API integrations for businesses with a high volume of transactions to seamlessly integrate into your business's workflow.

Note that only one physical card can be requested for each designated card user.

Can I issue a virtual card in a specific currency?

The card can be loaded with a specific currency based on the accounts that you have opened with us. For example, if you have GBP or EUR accounts with Fyorin you can issue cards in those currencies.

Is there a charge to create or use virtual cards?

There is no charge to issue or use virtual cards.

What are the typical card usage and transaction limits?

The limits vary based on the product and are shown on each card on the Fyorin platform. Default limits start from €5,000 but can increase to higher limits more than €250,000. Higher limits would require tighter controls set on the usage of the card. These controls can be easily set dynamically on the Fyorin platform. Physical cards inherit the limits assigned to the linked virtual card. Additionally, administrators can set default ATM limits, and further modify them for each physical card.

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.

Are there any usage restrictions?

While there are no restrictions for virtual cards, albeit general restricted merchant types as per terms of use, physical cards can only be used at point-of sale terminals. For e-commerce and online transactions, users can use the linked virtual card, as each and every physical card must be linked to a virtual card.

How does Fyorin simplify prepaid business cards for managing expenses?

Fyorin's prepaid business expense card enables businesses to streamline spending, offering control and flexibility over company money.

What advantages do Fyorin's prepaid expense cards provide?

Fyorin offers money-prepaid expense cards that help businesses manage costs efficiently while reducing foreign exchange fees.

How does Fyorin optimise the use of company money internationally?

Fyorin's prepaid business cards lower foreign exchange fees by offering multi-currency capabilities for seamless global transactions.

What are the benefits and features of multi-currency corporate cards?

Multi-currency corporate cards provide businesses with the ability to make purchases in various currencies without incurring foreign transaction fees. This can help improve liquidity and simplify expense claims for international transactions. Additionally, these cards come with features such as fraud protection, expense management tools, and the ability to set individual card limits for team members.

Can I automate expense claims with a multi-currency corporate card?

Yes, Fyorin allows you to automate expense claims. With features like digital receipt capture and integration with accounting software, you can streamline the expense reporting process for your cardholders, making it easier to track and manage business expenses.