THE TRADITIONAL WAY
Employees Fund the Expense
Pay personally. Save the receipt. Submit the claim. Wait for approval and reimbursement.
We are Trusted by 20k companies, from startups to enterprises
The Problem
The Real Cost of Pay First, Claim Later.
Traditional expense processes create friction for everyone.
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Out-of-Pocket Costs
Employees use personal funds for business expenses while they wait to be reimbursed.
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Receipts & Claims
Finance teams spend valuable time processing receipts, claims and reconciliations.
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Approval Delays
Lengthy approval cycles leave employees waiting for money they’ve already spent.
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Late Claims
Delayed claims disrupt reporting, budget visibility and month-end reconciliation.
The Solution
Delivered Instantly. Ready to Spend.
Provide upfront digital allowances for the business expenses your employees encounter every day.
Meals
Provide allowances for meals while working or travelling.
Travel
Transport and work-related journeys.
Fuel
Approved fuel costs for employees on the road.
Accommodation
Support hotels and overnight business stays.
Comparison
Move Beyond Pay First, Claim Later.
See how upfront digital allowances change the way employee business expenses are funded.
WITH CLEVERCARDS
The Expense Is Already Funded
Provide the allowance upfront, so employees have business funds ready when they need them.
Experience
Traditional Expense Process
Recommended
CleverCards
Funding
Employees pay with personal funds
CleverCards loaded with the approved allowance value
Delivery
Employees wait for reimbursement
Delivered instantly by email, ready to activate
Spending
Employees spend first and claim later
Spend anywhere Visa is accepted, online or in store
Receipts
Receipts collected and submitted manually
Upload and track receipts digitally in one place
Visibility
Finance waits for claims to see spend
Real-time visibility of business spend and activity
Scale
Expenses managed employee by employee
Issue CleverCards in bulk across teams and locations
Recommended · CleverCards
Funding
Traditional Expense Process
Employees pay with personal funds
CleverCards
CleverCards loaded with the approved allowance value
Delivery
Traditional Expense Process
Employees wait for reimbursement
CleverCards
Delivered instantly by email, ready to activate
Spending
Traditional Expense Process
Employees spend first and claim later
CleverCards
Spend anywhere Visa is accepted, online or in store
Receipts
Traditional Expense Process
Receipts collected and submitted manually
CleverCards
Upload and track receipts digitally in one place
Visibility
Traditional Expense Process
Finance waits for claims to see spend
CleverCards
Real-time visibility of business spend and activity
Scale
Traditional Expense Process
Expenses managed employee by employee
CleverCards
Issue CleverCards in bulk across teams and locations
Benefits
Better for Employees. Simpler for Finance.
A full-stack platform for issuing, spending, controlling and reconciling money — built for scale.
Reduce Personal Spend
Employees can use business-provided funds instead of routinely using their own.
Reduce Reimbursement Admin
Move common expenses away from repetitive claims and manual processes.
Deliver Funds Digitally
Get funds to employees without cash, physical distribution or manual handovers.
Support Different Expense Needs
Provide upfront allowances or deliver approved reimbursements when required.
How It Works
From Business to Employee. In Minutes.
Send payments, reimbursements, and benefits to employees quickly, securely, and effortlessly.
Set the Amount
Choose the value required for each employee
Add Your Recipients
Order individually or upload multiple employees at once.
Deliver Instantly
CleverCards are sent directly to employees by email.
Redeem & Use
Employees redeem their CleverCards and use the available funds for business expenses.
Business Portal
Manage Business Spend With Confidence.
Manage distribution across employees, teams and locations through the CleverCards Business Portal.
Bulk Distribution
Issue CleverCards to multiple employees at once.
Clear Visibility
See who received each CleverCard and its value.
Flexible Values
Set the appropriate amount for each recipient.
Built to Scale
Support one employee, a team or your wider workforce.
Take the Friction Out of Employee
Business Expenses.
Move beyond pay first, claim later with a simpler way to get business funds to your employees.