Unified management console
Manage cards, team members, and card transaction records in one place.
Corporate Payment Cards Built for Flexibility and Control
Centrally manage Fincard cards, card spending, and spending controls through the Fincone platform.
Two Card Funding Models, One Platform
Fincard offers two card funding models through Fincone: prepaid cards with separately managed available balances, and shared cards that draw on a shared pool of funds. Choose the model that suits your ad spend, SaaS subscriptions, card payments to suppliers, team card spending, and business operations.
Prepaid Card
Fincard prepaid cards are funded in advance, with a separately managed available balance for each card. Business customers can allocate card funds by project or business purpose, track spending for each card, and reconcile transactions.
Spend from your card's available balance- Each card has a separately managed available balance
- Allocate card funds by business purpose and track spending for each card
- Card use is subject to spending rules and the conditions applicable to the selected card product
Unified Card Management and Spend Controls
Centrally manage cards, card transaction records, and card-related risks through the Fincone platform, while managing funds and spending according to different card usage models.
Card transaction tracking
View card transaction records, related fund movements, and the card users and business purposes associated with each transaction.
Card spending risk management
Manage spending and identify anomalous transactions through card management, spending rules, and transaction monitoring.
Team member permissions
Control what team members can view and do based on their roles.
Spending rules
Set rules for where and how cards may be used, within the options supported by the selected card product.
Card transaction exports
Export card transaction records to support financial reconciliation and card spending summaries.
Card management
Create cards individually or in batches, and manage actions such as activation and freezing. Available actions depend on the selected card product and applicable requirements.
Physical Card Production for Prepaid Cards
Eligible customers can apply for physical prepaid cards where supported by the selected card product, for in-person payments at merchants that accept them.
Note:Physical card availability, card designs, and supported regions depend on the selected card product and applicable requirements.
- Physical cards are available with eligible prepaid card products
- For in-person, card-present payments at participating merchants
- Card artwork and production specifications can be configured within the options supported by the card program
Note: Shared cards are currently available as virtual cards only.
Automatic Funding
Choose from available funding options to add funds for business card spending. Funding options, the time for funds to be credited, and fees are subject to availability and applicable terms.
Set a balance threshold
Trigger a top-up when your card balance falls below your chosen amount.
Reduce manual top-ups
Help keep funds available for ad spend, subscriptions, and other business payments.
A choice of BIN ranges
- Choose from multiple BIN ranges across major card networks, subject to card product availability and eligibility requirements
- Get card product recommendations based on your business needs and intended card use
Multi-Currency Card Payments
Note: Eligible card products support card transactions in multiple currencies; the specific transaction currencies and fees are subject to the selected card product and applicable transaction rules.
- Eligible card products support card payments in currencies such as USD, EUR, GBP, and HKD
- Suitable for business card spending on advertising, SaaS subscriptions, vendors that accept card payments, and other corporate expenses
Operations Department Budget
CurrencyAvailable balanceNumber of cards
USD871,228.7452
HKD4,521,162.8228
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Account Funding
Available balance$5,000.00+Top UpApply for cards
VISA•••• •••• •••• 4291
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Office Supplies-$320.00
Business Travel-$1,580.00...
Prepaid and Shared Card Compared
Compare the two models for balance management, spend controls, and business use.
| Category | Prepaid Card | Shared Card |
|---|---|---|
Balance management | A separately managed available balance for each card | Multiple cards share the same funding pool. |
Spend controls | Subject to the card's available balance and spending rules | Subject to the available balance in the funding pool, per-card spending limits, and spending rules. |
Management approach | Allocate funds to individual cards and manage spending by business purpose | Manage card funds centrally, with spend controls for each card |
Typical uses | Ad spend, project expenses, and spending for dedicated purposes | Manage card funds centrally, with spend controls for each card |
Physical card support | Available with eligible prepaid card products | Currently available as virtual cards only |
Balance management
- Prepaid Card
- A separately managed available balance for each card
- Shared Card
- Multiple cards share the same funding pool.
Spend controls
- Prepaid Card
- Subject to the card's available balance and spending rules
- Shared Card
- Subject to the available balance in the funding pool, per-card spending limits, and spending rules.
Management approach
- Prepaid Card
- Allocate funds to individual cards and manage spending by business purpose
- Shared Card
- Manage card funds centrally, with spend controls for each card
Typical uses
- Prepaid Card
- Ad spend, project expenses, and spending for dedicated purposes
- Shared Card
- Manage card funds centrally, with spend controls for each card
Physical card support
- Prepaid Card
- Available with eligible prepaid card products
- Shared Card
- Currently available as virtual cards only
Global multi-scenario application
FAQ
FinCard is designed for eligible businesses that need to manage online spending, subscription payments, ad spend, procurement, and team expenses through prepaid cards or shared cards.
Physical card production may be supported for prepaid card programs depending on card program requirements. Shared cards are currently offered as virtual cards only.
Each prepaid card has its own independent balance. Shared cards draw from the same fund pool, with independent limits, permissions, and spending rules configured for each card.