Employee Expense Cards
Simplify Employee Expense Management with E-Money on Virtual Cards
With EMI-regulated virtual expense cards, European businesses can manage employee spending with real-time control, security and compliance.
Take the Complexity Out of Employee Expense Management
Modern businesses need smarter, safer, more efficient ways to manage employee spending. Virtual expense cards funded by e-money and issued via a licensed Electronic Money Institution (EMI) are changing how employees manage their expenses and how employers track and control company costs – in real time.
Whether it’s for travel, remote work equipment or client lunches, EMI-powered virtual cards offer a safer, simpler and more streamlined alternative to employee expense management.
What Are EMI-Regulated Virtual Expense Cards?
Instantly issued, digital payment cards funded with e-money and tailored for business use. Designed to simplify corporate spending, they can be distributed to employees, contractors or departments for controlled, compliant transactions.
Unlike physical corporate cards or reimbursements, these virtual cards can be:
- Funded instantly with e-money
- Set up with customized limits and controls
- Integrated easily into expense management platforms
E–Money Virtual Expense Cards: How It Works
Set up specific rules and controls for your business
Issue virtual cards to individual team members or defined groups
Fund cards with e-money, either per transaction, time period or in bulk
Monitor and manage all spending in real time via a dashboard
Benefits for Businesses
Customizable Spending Rules
Assign limits by user, category, or day: no more one-size-fits-all budgets
Real-Time Visibility & Automation
Gain complete oversight of every transaction as it happens
Compliance You Can Trust
Built to meet EU e-money and payment service standards (e.g. PSD2)
Instant Issuance & Top-Up
Eliminate delays and manual processes with real-time funding
Fraud Reduction
Replace shared cards or reimbursements with traceable, single-user tools
Easy, Secure Management
With EMI compliance baked in, businesses reduce administrative overhead while staying aligned with EU financial regulations
Key Benefits for Banks and Lenders
Customizable Spending Rules
Assign limits by user, category, or day: no more one-size-fits-all budgets
Instant Issuance & Top-Up
Eliminate delays and manual processes with real-time funding
Real-Time Visibility & Automation
Gain complete oversight of every transaction as it happens
Fraud Reduction
Replace shared cards or reimbursements with traceable, single-user tools
Compliance You Can Trust
Built to meet EU e-money and payment service standards (e.g. PSD2)
Easy, Secure Management
With EMI compliance baked in, businesses reduce administrative overhead while staying aligned with EU financial regulations
Why Work with an EMI?
An Electronic Money Institution (EMI) is authorized to issue and manage digital funds or e-money. Working with an EMI means:
- No need for your own e-money license
- Peace-of-mind around compliance and safeguarding
- Faster route to digitizing expense processes across Europe
- Stay ahead of evolving regulations while enhancing operational control
Frequently Asked Questions (FAQs)
They don’t require a traditional bank account and are more flexible to issue and manage digitally. EMIs handle the compliance and issuance of e-money.
Yes. As open-loop cards, they work across Europe, wherever the underlying card network is accepted.
No. Startups, SMEs, and nonprofits can all benefit from using EMI-powered virtual cards to control spend without heavy admin.
Funds can be revoked or reallocated to other cards instantly via the central dashboard.
Deployment typically takes just a few days with an EMI-ready partner – no lengthy processes required.
