An enterprise spend management and commercial card platform that enables issuer banks to deepen relationships with Corporate & Institutional clients through configurable card programs, spend controls, supplier payments, and credit lifecycle management.
Manage fees, credit behaviour, interest, FX markup, limits and controls across:
SpendFlow uses a most-specific-wins model, enabling bank-set floors and permitted corporate overrides without client-specific code changes.
Structure parent companies, subsidiaries and cost centres around spend, billing and reporting needs.
Issue virtual cards linked to entities, employees, accounts and credit facilities.
Apply limits and controls across corporate, employee and card-account levels.
Use multi-tier approvals to govern business spending.
Manage supplier-payment workflows using virtual cards and approval rules.
Provide consolidated or entity-level statements and spend visibility.
Define editions, fees, credit behaviour, interest, limits and controls.
Model entities, cost centres, employees and card accounts.
Connect credit facilities to master, child and virtual cards.
Evaluate spend against applicable rules and limits in real time.
Generate statements, accrue interest, allocate payments and post ledger entries.
SpendFlow connects issuer-bank program management with the spend workflows used by business and enterprise clients.
A commercial card and enterprise spend management platform for issuer banks.
Issuer banks offering commercial card programs to business and enterprise clients.
Through a seven-layer configuration model spanning network to individual card account.
Yes. Virtual cards can be linked to corporate entities, employees, accounts and credit facilities, and issued through the card network.
SpendFlow supports onward feeds to the issuer’s core banking system and corporate ERP. Specific integrations depend on implementation requirements.
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Support: support@card91.io
