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
Prepaid business cards for teams at UK multi-entity groups
Fyorin prepaid business cards are Mastercard Commercial Debit cards that run in prepaid mode, with a fixed balance guaranteed to each card before anyone spends. Issue them virtual or physical, in GBP, EUR or USD, in under a minute.
- 5 to 10 day onboarding
- No lengthy IT project
- Cards issued in under a minute
Fyorin
Prepaid
EUR
Balance on the card
- Guaranteed to this card
- Other budgets untouched
Issued in under a minute
What is a prepaid business card, and when does it fit?
A prepaid business card spends only the balance loaded onto it, so it fits any budget that is fixed before the spend starts. A team travels to a trade fair, a project gets its own budget, a new office needs setting up, and finance wants the receipts in hand when it ends.
Prepaid mode caps it at the card.
Any Fyorin card can run as a prepaid card. The balance you put on it is guaranteed to that card, and the cardholder spends from it. The same controls, receipts and ERP sync apply as on every other card in Fyorin’s range of business expense cards.
One balance per card
Kept apart
A balance guaranteed to the card
Each prepaid card holds its own balance, so one team’s spend cannot draw down another team’s budget.
Controls on top of the balance
The balance caps the total. Real-time limits and merchant controls refine it, and you can restrict spend by merchant, geography or time window.
Receipts as people spend
Employees add receipts and invoices on the go, and a card with a missing receipt can be blocked instantly.
Track each prepaid card against its claim and budget
Link each prepaid card to a claim with its own name and coverage period, and every payment on the card is added to that claim automatically. The balance is guaranteed to the card, and finance reviews only where needed.
Name the claim. A trade fair, a project or a new office.
Set its coverage period. The dates the budget applies to.
Link a card. Spending on that card is added to the claim automatically.
Route it for approval. The claim goes to the right approver, who can sign off on mobile.
Claim
Trade fair
Linked card •••• 5512Spend added automatically
- Stand build €1,200.00
- Hotel, two nights €318.00
- Taxi €23.50
Routed for approval
Signed off on mobile
Should an expense card run as prepaid or debit?
Run a card as prepaid for a fixed, known budget and as a business debit card for regular spend drawn from one account. You choose per card, so one company can use both.
| Compare | Prepaid mode | Debit mode |
|---|---|---|
| Where the money sits | On the card, guaranteed to it | In the linked account, with a limit set on the card |
| Best for | Fixed, known budgets | Regular spend by a team or a role |
| Card types | Virtual and physical | Virtual and physical |
| Currencies | GBP, EUR, USD | GBP, EUR, USD |
| Controls | Limits, merchant, geography, time window | Limits, merchant, geography, time window |
Choose prepaid when
- The budget is fixed and known in advance, such as an event, a project or a trip.
- You want one card’s spend kept apart from every other card’s.
- Finance wants the money in place before it is spent.
Choose debit when
- A team spends regularly and a limit on the card is easier than moving money onto it.
- Spend should draw on the balance of the linked account.
Prepaid where the budget is fixed, debit where spend is ongoing, both on one platform.
Book a demoPrepaid cards for employees, with no expense claims
With a prepaid card, nobody pays out of pocket and waits to be reimbursed. Employees add receipts and invoices on the go, approvers sign off on mobile, and costs are recharged across entities the moment they are submitted.
The card belongs to the business, so when someone leaves or changes role you revoke or reissue access instantly. See how prepaid cards for employees fit into everyday spend.
Prepaid cards for business, in three currencies
- Issued in GBP, EUR or USD in under a minute
- Virtual cards for online spend: no charge to issue or use, valid for up to 3 years
- Physical cards for travel and in-person costs, valid for up to 5 years, with a creation fee, a delivery charge and a monthly maintenance fee
- Default card limits from €5,000 to over €200,000
Online spend runs best on virtual cards for business, one per vendor.
How group finance teams compare prepaid business cards
Group finance teams compare prepaid cards for business on five points, from who owns the card to how the programme handles more than one entity.
Who owns the card. If the card belongs to the cardholder, a leaver means a new card. Fyorin cards belong to the business.
Whether prepaid is the only mode. A provider that also offers debit lets each team use the mode that fits.
Which currencies are covered. Fyorin issues cards in GBP, EUR and USD.
How spend reaches the ledger. Fyorin syncs two ways with NetSuite, Microsoft Dynamics, Sage, Xero, QuickBooks, Zoho, Odoo and Acumatica.
How it handles more than one entity. A high-street bank card programme per entity means a statement per entity. Fyorin runs every entity on one platform.
40,000+
Cards issued since 2022
Fyorin cards run for 500+ businesses in 20+ countries, with 99.95% platform uptime in 2025.
120 hours a year saved by the typical Fyorin client
The typical Fyorin client saves 120 hours a year, and Top 3 Travel cut card issuance from 2 weeks to under 1 minute. Fyorin is used by 500+ businesses in 20+ countries across 22 industries.
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
Prepaid business cards FAQ on cost and ownership
How prepaid mode works, what it costs, who owns the card and how it sits beside debit cards.
Book a demoAre prepaid business cards credit cards?
No. Fyorin prepaid business cards are Mastercard Commercial Debit cards running in prepaid mode. The cardholder spends the balance guaranteed to the card, and the card spends only that balance.
Can one business use prepaid and debit cards together?
Yes. Every card can run as prepaid or as debit, and you choose per card, so a fixed project budget and an ongoing team budget run on the same platform.
How quickly can I issue a prepaid card?
In under a minute, in GBP, EUR or USD, as a virtual or a physical card.
What do prepaid cards cost?
Virtual cards have no charge to issue or use. Physical cards generally carry a creation fee, a delivery charge and a monthly maintenance fee.
Who owns a prepaid card when someone leaves?
The business does. Cards outlive the employee, so you revoke or reissue access instantly and nothing needs reissuing.
Do employees still need to submit receipts?
Yes. Employees add receipts and invoices on the go. If a receipt is missing, you can block the card instantly.
Can we start with prepaid cards only?
Yes. Start with one module and add more when you are ready. Onboarding takes 5 to 10 days, with about 1 hour of ERP mapping and no lengthy IT project.
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 prepaid business cards for your teams
Fund the card, set the controls, collect the receipts. Book a demo to see prepaid business cards running across your teams and entities.
One card, one balance, one budget.