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Expense cards

Business expense cards: issue Visa cards in seconds, reconciled automatically

Give your team the freedom to spend, securely and within budget. Physical, virtual, single-use and travel-ready Visa cards, issued instantly through our partner Pliant, with every transaction landing in Capture Expense and matched to its receipt.

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Expense card
pliant VIRTUAL
CaptureExpense VISAPlatinum Business
Cardholder
Jonny Dowell
Transaction limit
£500.00
Categories
Travel, Accommodation
Wallet
Apple Pay, Google Pay
Transactions
  • 5 Feb Trainline £78.83
  • 5 Feb Ryman £29.17
  • 9 Feb Northern Rye £14.60
Northern Rye reminded on WhatsApp: receipt requested

Instant cards, instant control

Virtual, physical or single-use cards in seconds, issued to the right person for everyday spend or a specific project.

Smart spend limits

Limits by day, project, order or transaction, category and date controls, updated at any time with instant effect.

Real-time visibility

Every transaction syncs as it happens, including subscriptions, and every update is logged for audit.

Issuing

Virtual, physical or single use, in seconds

Create a card issued to the right person instantly. Allocate cards by project or department, set custom limits to stay on budget, and choose the currency and validity period. Virtual cards work like physical ones without the plastic, are available immediately, work with Apple Pay and Google Pay, and you can create as many as you need for teams, suppliers or one-off purchases.

  • Virtual, physical, single-use and premium cards
  • Credit or pre-funded, with a total limit per card where you want one
  • Apple Pay and Google Pay for virtual cards
  • Premium cards include access to more than 1,000 airport lounges
A virtual Capture Expense Visa card issued through Pliant

Spend controls

Tailored for every cardholder

Decide how and where each card can be used. Define spending categories, date ranges and transaction limits, then adjust them whenever budgets change. Built-in approval flows handle new cards and limit changes in seconds, and delegated authority lets different people approve different sizes of increase.

  • Limits by day, project, order or transaction
  • Category and merchant rules with instant permission updates
  • Cardholders request increases from the Pliant app, approved in the platform
  • Low-balance notifications and real-time available limits
Card approval requests for Capture Expense cards issued through Pliant

Reconciliation

Snap receipts at the point of spend

Capture receipts through the app, WhatsApp, Teams, Slack or desktop. Each card transaction is matched to the right receipt automatically, missing receipts are spotted instantly, and reminders remove the follow-up emails. Coded transactions post into your accounting system the same way as every other card programme.

  • Automatic receipt matching with AI and OCR
  • Unreceipted transactions flagged and chased automatically
  • Posted to the ledger with VAT and cost centres, audit-ready
How card reconciliation works
WhatsApp

2 Knives Bar and Kitchen

Newcastle upon Tyne

Jimmy Buffet£8.95
Parm and Truffle£4.10
Classic Burger£8.95
House Fries£3.30
Full Circle Repeater Pint x4£22.80
Amount due£48.10

Capture Expense

Thanks Jonny! Your expense on Fri, 24th Apr for 2 Knives Bar And Kitchen 48.10 GBP has been saved for your corporate card. If this should be a reimbursement instead, just click below. Reimbursement
Message
Draft expenses
  • 2 Knives Bar and Kitchen £48.10
  • Tesco £12.40
  • Amazon £31.99
Type
Incidental expense
Category
Meals and drinks
VAT
£8.01
Amount
£48.10
Submit Edit Split Notes

Spend anywhere

Global spend, local control

Pay wherever Visa is accepted, from one platform. Spend and get billed in the same currency to cut conversion costs and protect the business from unfavourable exchange rates. Keep your existing corporate bank account and cards alongside: Capture Expense reconciles Pliant cards and your current card programmes at the same time.

  • Accepted wherever Visa is, with same-currency billing
  • Works alongside existing corporate cards and bank feeds
  • Credit limits with flexible billing cycles, subject to Pliant's assessment
app.captureexpense.com
Card transactions from Pliant cards reconciled in Capture Expense

Book a demo

See expense cards on your own process in 30 minutes

Bring a couple of real claims and your finance system. We will show you how each one flows from receipt to ledger.

Book a demo Start a free trial

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In detail

How Capture Expense and Pliant work together

  • 1. Create your card

    Choose virtual, single-use, physical or premium, set the currency and validity, and assign it to a person or project.

  • 2. Set limits and controls

    Spending categories, date ranges and transaction limits, adjustable at any time.

  • 3. Spend and track

    Every transaction syncs automatically, whether it is online spend, a subscription or a supplier payment.

  • Receipts matched

    Photos from the app or chat find their transaction on their own.

  • Policy applied

    Built-in spending controls stop cardholders breaking policy.

  • Posted to the ledger

    Coded and reconciled into your accounting system like any other card.

Trusted by finance teams across the UK and Ireland

  • National Education Union
  • Lagardère Travel Retail UK
  • Macfarlane Group
  • Monotype
  • Soil Association
  • FRP Advisory
  • SMMT
  • Nichols plc
  • Cromwell
  • Usborne Publishing
  • Innis & Gunn
  • Ipswich Town Football Club
  • Pizza Pilgrims
  • Pasta Evangelists
  • Wain Homes
  • Cifas
  • World Nuclear Association
  • Screen Ireland
  • All Souls College, Oxford
  • SSAB
  • Citizens Advice
  • Carnival
  • Leighton
  • Edinburgh Science
  • London Stone
  • Autex Acoustics
  • B&H Worldwide
  • WBPS

Questions

Frequently asked questions

Can't find what you're looking for? Talk to us and we'll answer within a working day.

What are business expense cards?
Modern Visa corporate cards for business spend, provided by our partner Pliant through their card management platform: instant issuing, granular controls, real-time reporting and full integration into Capture Expense.
What credit limits are available?
Pliant offers interest-free credit limits with flexible billing cycles and payment terms. The limit is subject to Pliant's onboarding and credit assessment.
Can we keep our existing corporate bank account and cards?
Yes. Capture Expense reconciles Pliant cards and your existing corporate cards at the same time, connecting to existing cards through issuer feeds, Open Banking or a secure file transfer feed.
Do pre-funded cards work like prepaid debit cards?
Not exactly. Pre-funded credit cards have higher merchant acceptance, for example with car hire companies. A total limit on a Pliant card caps what an employee can spend, which works like a prepaid card without the manual preloading.
Can a business card be used for personal spend?
Cards are for work-related expenses. Built-in spending controls prevent cardholders breaking policy, and every transaction is visible in real time.
Who issues the cards?
In the EEA, cards are issued by Pliant Oy under licence from Visa Europe Limited. In the UK, Visa cards are issued by Transact Payments Limited, authorised by the Gibraltar Financial Services Commission. Full details are in the footer of every page.

Works with

Related parts of the platform

Corporate cards

Import transactions from the cards you already use, match receipts automatically, post to the ledger with the right VAT.

Learn more

Expense management

Receipts, claims, reimbursements and mileage without the admin, on web, mobile or chat.

Learn more

Approvals and policy

Multi-stage Approval Records, line manager routing, category overrides, spend limits and alerts.

Learn more

From the blog

Further reading

See a card issued and reconciled in one demo

We will create a virtual card, make a test transaction and show the receipt matched and posted, all within the call.

Book a demo Start a free trial

Rated 4.9 out of 5 on Capterra No credit card for the trial Reply within one working day

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