# CleverCards

> CleverCards is a Dublin-based digital payments platform that issues configurable
> prepaid Visa cards. Businesses use it to send tax-free employee gifts and
> benefits, control expense and travel spend, and make payouts to customers,
> contractors and suppliers.

Cards are issued digitally and can be configured to control where, when and how
they are spent. In Ireland, employee gift cards are commonly used under the Small
Benefit Exemption scheme, which allows tax-free rewards up to an annual limit.

## Key facts

- Card: a digital Visa card, issued by Stripe Technology Europe Limited, an electronic money institution authorised by the Central Bank of Ireland (C187865), under licence from Visa Europe Limited.
- Allowance: up to €1,500 per employee per calendar year, across up to five non-cash benefits, under Revenue's Small Benefit Exemption.
- Over the limit: a single benefit over €1,500 is fully taxable. Only the first five benefits in a year qualify.
- Reporting: employers report the date and value of each benefit to Revenue under ERR, on or before the date it is given. CleverCards gives both for every card.
- Speed: issued the same day once your account is funded; ready to use in about two minutes.
- Where it spends: wherever Visa is accepted, online or in store, in Ireland and abroad. Cards can be added to Apple Pay or Google Pay.
- Reloading: single-load; not reloadable.
- Customers: 20,000+ businesses in Ireland.

## Use cases

- [Employee gift cards](https://www.clevercards.com/employee-gift-cards): Tax-free digital gift cards for staff rewards and recognition.
- [Employee benefits](https://www.clevercards.com/employee-benefits): Digital benefits cards issued and managed from a business portal.
- [Employee allowances](https://www.clevercards.com/employee-allowances): Recurring allowances such as meal and wellbeing budgets.
- [Business expense cards](https://www.clevercards.com/business-expense-cards): Configurable company cards that limit spend by merchant, amount and date.
- [Travel expense cards](https://www.clevercards.com/travel-expense-cards): Prepaid cards for business travel and per-diem spend.

## Product

- [Product overview](https://www.clevercards.com/product): The platform behind CleverCards.
- [Card issuing](https://www.clevercards.com/product/card-issuing): Issue digital prepaid and debit Visa cards instantly.
- [APIs and SDKs](https://www.clevercards.com/product/apis-sdk): Developer tools for embedding card issuing.
- [Core ledger and payments](https://www.clevercards.com/product/core-ledger-payments): Ledger and payment rails.
- [KYC and compliance SDK](https://www.clevercards.com/product/kyc-compliance-sdk): Identity verification and compliance tooling.
- [Multi-currency accounts](https://www.clevercards.com/product/multi-currency-accounts): Accounts and payouts across currencies.

## Solutions

- [Business expense management](https://www.clevercards.com/solution/business-expense-management)
- [Paying employee benefits and rewards](https://www.clevercards.com/solution/paying-employee-benefits-and-rewards)
- [Paying contractors](https://www.clevercards.com/solution/paying-contractors)
- [Paying suppliers](https://www.clevercards.com/solution/paying-suppliers)
- [Paying business customers](https://www.clevercards.com/solution/paying-business-customers)
- [Paying customer refunds and cashbacks](https://www.clevercards.com/solution/paying-customer-refunds-cashbacks)
- [Paying welfare recipients](https://www.clevercards.com/solution/paying-welfare-recipients)

## Guides

- [Prepaid cards for businesses](https://www.clevercards.com/learn/prepaid-cards-for-businesses)
- [Gift vouchers for employee rewards](https://www.clevercards.com/learn/gift-vouchers-for-employee-rewards)
- [E-gift cards for employees and businesses](https://www.clevercards.com/learn/e-gift-cards-for-employees-businesses)
- [Small Benefit Exemption guide](https://www.clevercards.com/small-benefit-exemption-scheme): How the €1,500 tax-free allowance works for Irish employers.
- [Enhanced Reporting Requirements](https://www.clevercards.com/enhanced-reporting-requirements): Irish Revenue ERR reporting obligations for employers.

## Optional

- [FAQs](https://www.clevercards.com/faqs): Answers on ordering, activating and using CleverCards.
- [Blog](https://www.clevercards.com/blog): Articles on employee rewards, benefits and expense management.
- [News](https://www.clevercards.com/blog/news): Company announcements and press coverage.
- [About us](https://www.clevercards.com/about-us)
- [Full sitemap](https://www.clevercards.com/sitemap.xml)