Three cards.
One mandate.
Issued against the same limit model that governs the agent. A card cannot spend where the mandate says no — the refusal happens before the terminal answers.
Issued in a second. Dies on schedule.
Make a card in a second, for one supplier or one invoice. Set what it can spend and when it expires as you create it, so nobody has to remember to cancel it later.
VIRTUAL CARDSVIRTUALSpends the balance. Never past the line.
Spend straight from your balance — no pre-funding, no moving money to a card account first. It works anywhere cards are taken, and every payment shows up as it happens, not the next morning.
OPERATINGDEBITA line your board already approved.
A company line with the spending rules built into the card. Give each person their own limit, and anything outside it waits for a second signature before the charge goes through — not after the statement lands.
APPROVALSto a new payee
Two people must sign it off
CREDITSame limits, every swipe
A card is just another instruction. It passes the mandate engine like everything else — and it fails closed.
Merchant not allowlisted
Declined at authorisation, before the terminal answers. The attempt is logged like any other refusal.
Over the ceiling
Hard stop per transaction and per rolling 24h. Two of your officers can raise it. We cannot.
Every swipe, signed
Authorisations, declines and reversals land in the same exportable ledger your auditor reads.