Payment Solutions

Expense management software

Create travel and expense or accounts payable solutions with flexibility and control.

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The problem

Expense management software solutions look to issue their own card products to create a better experience for their customers who use the software to track, manage, and report on company spend. With thousands of end users at play, scale and control is critical.

The solution

Issue cards at scale across a large user base with data and reporting to gain full control and visibility into the card program, usage, and risks. Leverage open APIs to create customized cards with baked-in spend controls that fund expenses in real time for individuals or teams.

Real world: business expenses

Card issuing for customers to distribute to employees for travel and business expenses

Expense software

Cards issued

Employees are issued zero-balance physical, virtual, or tokenized cards.

Notification received

Marqeta webhooks allow real-time notifications upon transaction completion.

Marqeta platform

Cards distributed

Employees are free to make business purchases (travel, events, meals, etc.) with the cards.

Spend evaluated

Managed or gateway spend controls can be customized to minimize fraud and manage employee purchasing power.

Funds released

Just-in-Time (JIT) Funding releases funds to the card on approval and in real time to complete the transaction.

Expenditures

Cards charged

Zero-balance cards are used for purchases as needed by the employees.

Auth requested

Marqeta’s platform is contacted by the appropriate network for authorization.

Transaction completed

Authorization is successful and the payment is confirmed.

Cards issued

Employees are issued zero-balance physical, virtual, or tokenized cards.

Cards distributed

Employees are free to make business purchases (travel, events, meals, etc.) with the cards.

Cards charged

Zero-balance cards are used for purchases as needed by the employees.

Auth requested

Marqeta’s platform is contacted by the appropriate network for authorization.

Spend evaluated

Managed or gateway spend controls can be customized to minimize fraud and manage employee purchasing power.

Funds released

Just-in-Time (JIT) Funding releases funds to the card on approval and in real time to complete the transaction.

Transaction completed

Authorization is successful and the payment is confirmed.

Notification received

Marqeta webhooks allow real-time notifications upon transaction completion.

How it works

See how Marqeta creates card programs for expense management

“Marqeta is an incredible partner to Ramp, the first corporate card that actively helps customers spend less. Picking Marqeta as a partner was an easy choice — their modern platform for developers is unparalleled, and alongside the expertise and knowledge they bring to the table, they’ve been the ideal partner to help us get to market and scale quickly.”

Eric Glyman
CEO

Key benefits for expense management

Virtual cards

Create virtual cards as needed to satisfy accounts payable and empower employees with expense cards provisioned directly to digital wallets.

Physical and tokenized cards

White label, personalize, and brand your physical cards and leverage in-app provisioning into digital wallets.

Dynamic spend controls

​Create customized solutions for your customers (e.g., cards that can limit spend to certain individuals, teams, merchants, or a time period such as during an event).

JIT (Just-in-Time) Funding

Authorize and fund transactions in real time, optimizing for cash flow and spend control.

Inject metadata into each transaction

Append metadata to each transaction to ease reconciliation and reduce errors. Match supplier IDs, invoice numbers, and more.

Data insights

Provide visibility into spend patterns to help guide budget allocations.