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Corporate Virtual Cards: One Card, One Rule

Corporate Virtual Cards: One Card, One Rule

A company spend policy is a document; a shared company card does not read documents. The policy says $500 a month per person, and the card approves $5,000 without blinking. Giving each purpose its own card with a fixed cap closes that gap, and you can start today with cards you buy, not build.

In short: a corporate virtual card API lets finance create a separate payment card for each team, vendor or project from code, each with its own limit. Gpaynow Card API v2 is planned for this and is in early access (not live yet). Today, finance can get the same control by buying prepaid cards in the Gpaynow store, where each card's balance is its cap, with no KYC to buy.

Why a shared corporate card leaks money

  • No enforcement. A policy in a PDF is a request; a card limit is a rule the charge must obey.
  • Slow close. Finance spends hours matching charges to people and projects at month end.
  • Blast radius. If the number leaks, every vendor on it has to be moved at once.

What finance can do today with Gpaynow

Buy a prepaid virtual card per team, vendor or project in the Gpaynow store, paid from your balance topped up with crypto. A prepaid card can only spend its balance, so the balance is the cap, set in advance. Each card price is the card balance plus a one-time activation fee ($5, or $15 on $300 cards); there are no monthly fees, and there is no KYC to buy. Some merchants refuse prepaid cards, so check their payment rules first.

What Card API v2 will add for finance teams

For companies that want cards created and controlled by software, Card API v2 is planned to offer programmatic issuing, per-card limits, instant freeze and close, and a signed webhook on every charge for live spend visibility. It is in early access: no card issuer is connected yet, and API keys, a test environment and webhooks are not available yet. No payment is taken until your access is approved. Planned plans start at a one-time $1,500, with no monthly fees; see the Card API page.

Frequently asked questions

Can finance use Gpaynow without engineers today?

Yes. You can buy prepaid cards in the store from the dashboard, one per team or vendor, with no code and no KYC to buy.

How do I set a spending limit per card?

Load each prepaid card with the amount that purpose needs; it cannot spend more. Per-card limits by API are planned for Card API v2.

Can I see spending in real time?

Live webhook feeds are a planned Card API v2 feature. Today you can review card spend in your Gpaynow dashboard.

Is the corporate card API live?

No. Card API v2 is in early access, and no payment is taken until your access is approved.

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