Paying customers, drivers, or members on an expense card?
Expense cards are made for employees spending company money. GiveCard is built for paying people who aren't on your payroll: reloadable Visa cards with spend rules, cardholder support, and an API. Launch in as soon as a week, or switch from your current provider within two weeks.
Expense cards weren't built for this
What starts as a shortcut eventually becomes infrastructure risk. When the same expense cards go to customers as rewards, to drivers as fuel cards, or to members as benefits, banks scrutinize the program, controls get harder to manage, and migration gets more painful the longer it waits.
GiveCard is built for organizations that pay people, including card programs built into other software.
Everything a card program for non-employees needs
Reloadable physical and virtual Visa cards
Virtual cards arrive by email and can be added to Apple Wallet or Google Wallet for tap-to-pay right away. Physical cards ship in bulk to one location or directly to each cardholder.
Spend rules
Allow or block spending by merchant category, by specific merchant, or down to individual items in a purchase. Change them on the go.
Cardholder support, handled
GiveCard's in-house team handles cardholder support directly: lost or stolen cards, unrecognized transactions, fraud and disputes, by phone and email, 7 days a week.
Fraud and disputes
24/7 fraud monitoring, with disputes handled end to end.
Money back when plans change
Pull funds off a card and back into your funding account at any time.
Your brand
Custom branding on cards, recipient emails, and the cardholder portal.
Reporting that finance can use
Real-time transaction data, audit-ready reports, and sync to QuickBooks, NetSuite, or Salesforce.
Cards are issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
From first call to live cards
01.
30 min.
Meet the team
Chat 1:1 with our team about who you pay, how many cards you run, and what they're used for.
02.
2 days to 2 weeks
Build or configure
Use the no-code portal (2 to 5 days) or the API (one to two weeks for a full integration). About a day of engineering on your side.
03.
Within 2 weeks
Move your cardholders
Switch from your current provider within two weeks.
How organizations are using GiveCard
Postscript moved 100,000+ cashback cards in two weeks
Postscript offers instant cashback rewards on virtual cards. Within two weeks of the first meeting, they had fully implemented GiveCard and migrated over 100,000 cards, including 50,000 issued in a single week.
“Working with GiveCard has been a great experience! They were super responsive during our onboarding + tight timeline.”
Peter Dassenko, Director of Product Management @ Postscript
Rynse runs thousands of fleet cards on GiveCard spend rules
Rynse manages thousands of active fleet cards across hundreds of private and public sector clients, with card-level rules by fleet or vehicle, merchant matching, and daily, weekly, and monthly limits.
“Our customers rely on us to bring control, not complexity. GiveCard's rule engine gives us the flexibility to manage spend at a granular level, without sacrificing speed or scale.”
Roland Lau, Co-Founder @ Rynse
Built for the questions your compliance team will ask
Cards are issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Funds are FDIC insured up to the standard limit.
GiveCard does not collect personally identifiable information from recipients. It needs an email address for a virtual card, a mailing address for a physical card, or bank details verified through GiveCard Intake for a bank transfer.
24/7 fraud monitoring, with disputes handled end to end.
Audit-ready reports and payment records your finance team can book as journal entries.
The 1099 Tax Compliance Suite automates W-9 collection, 1099 creation, and e-filing.
GiveCard handles the bank-facing compliance behind the program, from complaints monitoring and program reviews to audit support and ongoing oversight.
Build it into your product
GiveCard's API suite lets you build disbursement into your own product. Show cards inside your product in iframes, and get transaction-level spend data by webhook in real time.
Want sandbox access? Mention it in the form and we'll set it up after a short call.
Questions we hear from teams switching card programs
How long does it actually take to get up and running?
2-5 days for the no-code portal, and one to two weeks for a full API integration.
How long does it take to get started, or switch from our current provider?
GiveCard can launch in as soon as a week, up to two weeks to switch from another provider.
Can we restrict what the card can actually be used for?
Yes, through GiveCard's Spend Rules feature. Spend rules work at three layers: merchant category code (MCC), specific merchant ID or merchant name, and itemized-level control that can allow or block specific items within a single purchase.
Do you offer customer support to recipients and cardholders?
GiveCard's own in-house team handles all cardholder-facing support directly: lost/stolen cards, unrecognized transactions, fraud and disputes. GiveCard support is available via phone hotline and email, 7 days a week.
What happens if there's fraud or a disputed charge?
GiveCard offers 24/7 fraud monitoring and handles disputes end to end, in case of reports of fraud.
What information do you actually need about the people we're paying?
GiveCard does not collect any personally identifiable information from the recipient. The only data points we need are an email address to deliver a virtual card, a physical mailing address to deliver a physical card, or securely collected and verified bank details via our GiveCard Intake feature for recipients receiving a bank transfer.
Can we offer cards inside our own product?
Yes, GiveCard offers an API suite that allows you to surface cards in iframes within your own product.
Can we pull money back off a card if a program changes or if there is a mistake?
Yes, funds can be instantly pulled back from cards back into your funding account at any time.
Who issues the cards, and are funds FDIC insured?
Cards are issued by Sutton Bank, Member FDIC, and funds are FDIC insured up to the standard limit.
What are GiveCard's payment options?
We offer the ability to issue reloadable physical and virtual VISA prepaid debit cards, as well as bank transfers. GiveCard offers instant bank transfers through RTP and FedNow rails, as well as standard ACH transfers.
Paying people on a card that wasn't built for it?
Tell us who you pay and roughly how many cards you run today. We'll come back with a plan to move your program within two weeks.
Already a GiveCard cardholder? Email support@givecard.io or call 908-529-0955, available 24/7.