A balance guaranteed to the card
Fund the card for a project, an event or a trip. It spends what is on it, and one team’s budget never draws down another’s.
Choose prepaid forFixed, known budgets you want on the card before anyone spends.
Business expense cards for UK multi-entity groups
Fyorin business expense cards are Mastercard Commercial Debit cards for finance teams at multi-entity groups with a UK presence. Issue virtual and physical cards in GBP, EUR and USD in under a minute, set the limit and the rules on each card before anyone spends, and post every transaction to your ERP.
- 5 to 10 day onboarding
- No lengthy IT project
- ISO/IEC 27001:2022 certified
Physical
GBP
Virtual
USD
Fyorin
Virtual
EUR
- Merchant: travel only
- Limit €2,500 left
- Receipt added
- Posted to Xero
- cards issued since 2022
- 40,000+
- businesses in 20+ countries
- 500+
- transaction volume in 2025
- €1bn+
- platform uptime in 2025
- 99.95%
Every card payment as it happens: merchant, entity, amount and status in one feed
- Rail fare £86.40 UK Ltd Receipt added
- Software subscription €49.00 Malta Ltd Posted to Xero
- Client lunch £64.20 UK Ltd Receipt missing
- Hotel, Dublin €212.00 Ireland Ltd Approved
- Cloud hosting $410.00 Ireland Ltd Posted to NetSuite
- Trade fair stand €2,400.00 Malta Ltd Recharged
What finance directors at multi-entity groups replace with company expense cards
Finance directors at multi-entity groups use company expense cards to replace personal cards and expense claims, a shared company card that does the rounds, and a bank card programme per entity. Without them, finance meets the spend at month end, one entity statement at a time.
Fyorin moves the control to the start.
Every person, vendor and budget that spends for the business can hold its own business expense card, with the limit and the rules set before the first payment. Receipts arrive as people spend, and the cost is recharged to the right entity as it is submitted. See how expense cards for employees work day to day.
Today
With Fyorin
Personal cards and expense claims
A card for each spender, with its own limit
High-street bank cards, one programme per entity
Every entity on one platform
Neobank cards with capped limits
Default limits from €5,000 to over €200,000
Spend platforms whose cards belong to the cardholder
Cards that belong to the business
Receipts chased and statements rekeyed at month end
Receipts added as people spend, posted by two-way sync
How do Fyorin business expense cards work?
Each card pays within the rules finance sets, collects the receipt on the go and posts the transaction to your ERP. Cards are issued in under a minute, and finance only steps in where something needs a decision.
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Tap: pay within the rules
Limits and merchant controls apply in real time, so every payment that goes through is one you already allowed.
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Snap: the receipt, on the spot
Employees add receipts and invoices on the go. If a receipt is missing, you can block the card instantly until it arrives.
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Sync: posted and reconciled
Card transactions post and reconcile in your ERP through a native two-way sync, with costs recharged to the right entity.
Tap, snap, sync: one flow from the card to the ledger, checked at every step.
Book a demoPrepaid business cards or debit, set card by card
Every Fyorin card is a Mastercard Commercial Debit card that runs in one of two modes. You choose per card, so a project budget and a sales team’s travel can each run the way that suits them.
A limit on the card, drawing on your account
Set a limit and the card draws on the balance of the linked account. Use it as a business debit card for ongoing team spend you would rather not fund card by card.
Choose debit forRegular spend by a team or a role, drawn from one account.
Both modes
Virtual or physical cards
Issued in GBP, EUR or USD
Same controls and receipts. More on prepaid business cards
Stop spend before it happens, with rules on every card
Real-time limits and merchant controls come on every card. Add the rules that fit the person or the budget, and the card enforces them at the moment of payment.
Limits that fit the role
Default card limits start at €5,000 and can go over €200,000, so the same programme covers a new starter and a regional director.
€5,000 to €200,000+Default limits, set per card and applied in real time
Merchant lock
Merchant controls hold a card to the merchants it was made for, so a travel card only pays for travel.
Geography
Restrict where a card can be used, for teams that travel or teams that stay local.
Time window
Let a card spend only during a trip, an event or a campaign, and stay idle the rest of the time.
Missing receipt, blocked card
If a receipt is missing, block the card instantly, so the evidence comes in before the next payment does.
One set of controls on every card, in every entity, applied before the money moves.
Book a demo
Head of sales, leavingAccess revoked instantly
Owned by the business
GBP
New head of salesAccess reissued, same card, nothing to reorder
Expense cards that keep working when people leave
Fyorin cards belong to the business, so when someone leaves or changes role you revoke or reissue access instantly and the card carries on with its next holder. On spend platforms whose cards belong to the cardholder, the same change means cancelling, reordering and updating every vendor.
Virtual cards
- No charge to issue or use
- Valid for up to 3 years
- One per subscription, supplier or ad account
Physical cards
- For travel and in-person costs
- Valid for up to 5 years
- A creation fee, a delivery charge and a monthly maintenance fee
Read how virtual cards for business keep subscriptions running, and how employee expense cards handle role changes.
One card programme for every entity in your group
Fyorin issues cards to every entity in the group from one platform. Without it, a group often runs a high-street bank card programme per entity, a statement per entity and a spreadsheet to recharge costs between them.
- UK LtdGBP cards
- Malta LtdEUR cards
- Ireland LtdEUR and USD
One platform
VAT mapped once
ERP
VAT, entities and countries mapped once
Map them once at the start, and every claim after that follows the same mapping.
Recharged the moment it is submitted
Costs move across entities as claims come in, with no spreadsheet at month end.
Approvals by value and across entities
A large claim, or one that crosses entities, goes to the right approver, who can sign off on mobile.
No ERP licence per entity for approvers
Approvers sign off in Fyorin, so nobody needs an ERP licence in each entity to approve.
Multi-level user permissions
Multi-level user permissions define who can perform which actions on the platform.
One onboarding, one login
Cards sit beside business accounts, payables, receivables and treasury, in 100+ currencies.
Every card payment posted and reconciled in your ERP
A native two-way sync posts card transactions to the ledger and reconciles them. Scheduled reports arrive in your inbox, pre-built reports and an API connection feed your BI tools, and a balance report covers every account and company. Procurement and PO approval stay in your ERP.
- NetSuite
- Microsoft Dynamics
- Sage
- Xero
- QuickBooks
- Zoho
- Odoo
- Acumatica
One login, one view, one set of controls across every entity.
Book a demoThe typical Fyorin client saves 120 hours a year
The typical client saves 120 hours a year, across 500+ businesses in 20+ countries and 22 industries that run spend on Fyorin.
Top 3 Travel moved card issuance from 2 weeks to under 1 minute
- to issue a card, down from 2 weeks
- Under 1 minute
- saved a year
- 20+ days
- visibility of group cash
- Full
Elitavia
Payment runs on the same platform went from 5 days to 1.
- saved a year
- 48 days
- saved a year
- €40k+
Thought3D
Time and cost saved by running finance on Fyorin.
- saved a month
- About 8 hours
- saved a year
- €40k
“Fyorin has helped us save plenty of time through the use of virtual cards - an easy way to manage company spend - whilst also allowing us to empower our people and speed up the approval process. Highly recommended if you're looking for a simple solution to everyday finances.”
How group finance teams choose company expense cards
Group finance teams compare business expense card programmes on six checks, from who owns the card to how the programme handles a group. The cards let employees pay for work costs without using their own money, and the value for finance sits around each payment: who can spend, where, how much, and how quickly the cost reaches the ledger.
| What to check | Why it matters | With Fyorin |
|---|---|---|
| Who owns the card | If cards belong to the cardholder, every leaver means a cancelled card and a round of vendor updates. | Cards belong to the business. Access is revoked or reissued instantly and the card stays. |
| How money reaches the card | A prepaid card spends a balance held on the card. A debit card draws on a linked account up to a set limit. | Every card runs as prepaid or debit, chosen card by card. |
| Which controls come with it | Limits and merchant controls decide what a card can pay for, and where and when. | Real-time limits plus merchant, geography and time-window controls. Default limits start at €5,000 and can go over €200,000. |
| How receipts arrive | Receipts collected at month end arrive late or never. | Receipts are added on the go, and a card can be blocked while one is missing. |
| How spend reaches the ledger | If finance still exports statements and matches every line manually, the card has only moved the work. | Native two-way sync with NetSuite, Microsoft Dynamics, Sage, Xero, QuickBooks, Zoho, Odoo and Acumatica. |
| How it handles a group | A card programme per entity means a statement per entity and a spreadsheet to recharge costs. | Costs are recharged across entities the moment they are submitted, with approvals by value and entity. |
Fyorin is used by 500+ businesses in 20+ countries across 22 industries and handled €1bn+ in transaction volume in 2025. Book a demo to see how company expense cards would run across your entities.
Business expense cards FAQ on ERP, onboarding and security
Plain answers on how the cards work, what they replace and how long it takes to start.
Book a demoAre Fyorin business expense cards credit cards?
No. They are Mastercard Commercial Debit cards, virtual or physical. Each card runs as prepaid, spending a balance guaranteed to the card, or as debit, with a limit that draws on the balance of the linked Fyorin account.
We already have bank cards. Why add Fyorin?
Because Fyorin runs cards for every entity from one platform. Bank card programmes are often opened entity by entity, each with its own statement. With Fyorin, each card carries its own controls, receipts are captured as people spend and transactions post to your ERP.
Does Fyorin replace our ERP?
No. Procurement and PO approval stay in your ERP. Fyorin picks up once a payment is ready to move, and card transactions sync back two ways to NetSuite, Microsoft Dynamics, Sage, Xero, QuickBooks, Zoho, Odoo or Acumatica.
How long does it take to get started?
Onboarding takes 5 to 10 days, including about 1 hour of ERP mapping. Once you are live, each card is issued in under a minute.
Is Fyorin secure and regulated?
Yes. Fyorin is ISO/IEC 27001:2022 certified and does not hold client funds. The Fyorin Mastercard is provided by Moorwand Ltd (FCA Reference No 900709), which is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011.
Can we start small?
Yes. Start with cards alone and add business accounts, payables, receivables or treasury later, on the same platform and the same login.
How to start with Fyorin, from demo to your first card
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A demo on your setup
We walk through Fyorin with your entities and your ERP in view, so you see how your own spend would run.
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Start with one module
Begin with cards and add business accounts, payables, receivables or treasury when you are ready.
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Cards in under a minute
Once you are live, issue virtual and physical cards in GBP, EUR and USD in under a minute each.
Book a demo of Fyorin business expense cards for your group
Issue cards in under a minute, set the rules once and let every transaction reach your ERP. Book a demo to see Fyorin business expense cards running with your own entities.
One login, one view, one set of controls.