For: Cross-border E-commerce · Ad Spend / SaaS · Employee Travel

Expense Control and Issuance
in One Smart Corporate Card

Issue unlimited Visa/Mastercard virtual and physical cards. Set granular spending limits, receive real-time transaction alerts, and say goodbye to the pain of month-end expense reporting.

Lengthy Reimbursement Cycles
Employees pay out-of-pocket, attach receipts, and wait for manual finance review and reimbursement — a cycle that can stretch to weeks and creates enormous hidden costs.
Uncontrolled Budgets
Sharing a single company credit card makes it impossible to track spending by project or employee. Overspending goes unchecked until it is too late.
Fraud and Card Compromise Risk
Physical card details leaked online can lead to large-scale unauthorized charges. Traditional banks have slow and complex card locking and replacement processes.
Card Issuing

Issue in Seconds, One Card Per Purpose

Create new virtual cards in seconds via the Dashboard or API. Assign a dedicated card for each specific purpose — Facebook Ads, AWS subscriptions, or employee travel — keeping each spend stream isolated.

  • Eliminates the risk of one vendor's data breach shutting down all operations
  • Generate single-use cards that self-destruct immediately after the transaction
  • Supports physical cards mailed to employees, compatible with Apple Pay and Google Pay
Active_Cards_List
Facebook Ads
••• 3491
Spent / Limit (Monthly)
$4,200 / $5,000
Visa
AWS Hosting
••• 8214
Spent / Limit (Monthly)
$850 / $1,000
Visa
Spend Control

Merchant-level Granular Spending Controls

Set the rules before any spending happens. Our card gateway evaluates every swipe request in under 10 milliseconds. If a transaction does not meet your preset conditions, it is declined instantly.

  • Set daily / weekly / monthly / total spending caps
  • Restrict to specific merchant category codes (MCC), e.g., flights and hotels only
  • Instantly freeze, unfreeze, or permanently cancel any card — funds return to the main account in seconds
Rule_Engine_Configuration
Max per transaction
$ 500.00
Approved Categories
FLIGHTS HOTELS
International Transactions
Allow non-USD charges
Auto Reconciliation

Automatic Receipt Collection and Real-time Bookkeeping

After every card swipe, the MothPay App immediately sends a push notification. Employees simply photograph the receipt or forward the e-receipt to a dedicated inbox. OCR automatically extracts the data and matches it to the transaction.

  • Eliminates the month-end nightmare of chasing receipts and manual data entry
  • Seamless SSO integration for employees (Okta, Google)
  • Reconciled data is automatically pushed to your ERP system
Receipt_Reconciliation_Feed
Uber Business
$45.50
••• 3491 · Employee: Li Wei
✓ MATCHED
Starbucks
$12.80
••• 3491 · 2 min ago
↑ RECEIPT REQ.
MOTHPAY APP · Just now
Card Alert: $12.80 at Starbucks
Please upload your receipt within 24h to complete bookkeeping.
📷 Upload Photo
Forward Email
Singapore Airlines
$1,240.00
••• 8214 · OCR Complete
✓ MATCHED

Reimagine Your Company's
Spend Management Experience