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Expense Management

Take Control of Your Business Expenses

Issue corporate cards to every employee, set spend limits by card or merchant category, and track every transaction in real time — all via API.

4.5/5 from 560 businesses

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Reconciliation

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Settlement

Real-time

Corporate Cards for Every Team

From startups to enterprises — issue cards, set controls, and automate reconciliation.

Online store checkout with Fyatu
Employee Cards

A card for every employee

Issue branded corporate cards to staff with per-card limits and merchant category controls.

Departments

Budgets by team

Allocate spend per department or project and track it against budget in real time.

Subscription billing
Subscriptions

Control SaaS spend

Issue dedicated cards for software subscriptions and kill them when a tool is cancelled.

Vendors

Pay suppliers

Issue single-use or recurring cards for vendor payments with full controls.

Travel

Travel & expense

Give travelling staff cards with geo and category limits, and capture receipts on the go.

Everything Your Finance Team Needs

From issuance to reconciliation — the entire spend workflow, handled.

Real-time spend controls

Set per-card limits and merchant category restrictions so funds can only go where intended.

M-Pesa Airtel Money MTN Orange Money

Card payments with 3D Secure

Process Visa and Mastercard with PCI DSS compliance and built-in fraud prevention.

Visa Mastercard

Instant card issuance

Issue virtual cards in seconds and physical cards on demand — all via API or dashboard.

Automated reconciliation

Real-time webhooks feed your accounting tools so reconciliation is continuous, not monthly.

Close the Books Faster

Real-time controls and automated reconciliation cut expense admin to near zero.

Spend you can see as it happens

No more chasing receipts or waiting for the statement. Every authorization streams to your finance stack in real time, with the controls to stop overspend before it happens.

Real-time Controls 20+ Methods 30+ Countries
Refunds

Instant refund processing

Process refunds to the original card with full tracking.

Analytics

Spend analytics

Track spend by team, card, and category in real time.

Multi-currency

Spend in any currency

Issue and settle in USD, EUR, and 25+ local currencies.

Get Started in 3 Steps

From sign-up to issuing cards in as little as 30 minutes.

1

Create Account

Sign up for a Fyatu business account and get API keys instantly.

2

Issue Cards

Create corporate cards via API or dashboard and set spend controls.

3

Track & Reconcile

Monitor spend in real time and let reconciliation run automatically.

FAQ

Got questions?

Everything you need to know about Fyatu for expense management.

Skip the 18-Month Bank Negotiation.

BIN sponsorship is included. Go from card-program setup to your first issued card in a day — 3D Secure, Apple Pay, and Google Pay built in, on standard card rails.