Card Management Systems

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Rippling gives businesses one place to run HR, IT, and Finance. It brings together all of the workforce systems that are normally scattered across a company, like payroll, expenses, benefits, and computers. This enables users to manage and automate every part of the employee lifecycle…


Airbase headquartered in San Francisco offers a cloud-based accounts payable and spend management solution, and combines a pre-approval system with corporate cards, allowing users to manage the entire AP spend process in one place.

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Rippling gives businesses one place to run HR, IT, and Finance. It brings together all of the workforce systems that are normally scattered across a company, like payroll, expenses, benefits, and computers. This enables users to manage and automate every part of the employee lifecycle…

See Rippling

Ramp is a corporate card and spend management solution that helps companies of all sizes to accelerate growth without compromising on their finances. Boasting best in class user experience and a direct integration with the user's accounting solutions, the vendor states Ramp helps…


Airbase headquartered in San Francisco offers a cloud-based accounts payable and spend management solution, and combines a pre-approval system with corporate cards, allowing users to manage the entire AP spend process in one place.


Stampli is for Accounts Payable teams that want the efficiency of automation, but don’t want to rework their ERP or change their existing AP processes. Stampli provides support for the full range of native functionality for 70+ ERPs.


Brex headquartered in San Francisco offers a corporate card for expenses, ecommerce, as well as rewards card, and travel expense management.

Visa Spend Clarity

Visa Spend Clarity offers a suite of end-to-end spend management solutions to empower businesses of all sizes and levels of complexity to control spend, maximize visibility, and optimize cashflow. it is designed so that with it, financial institutions can deliver payment and spend…


Established in Melbourne in 2015, Airwallex is a payments platform that aims to transform the way businesses move and manage money globally. They state their goal is to empower businesses of all sizes to grow without borders, and by doing so, contribute to the global economy. With…

SAP Card Management

SAP Card Management is a solution that enables users to manage credit, debit, loyalty, and all other kind of cards and related processes – including authorization, clearing and settling, and integration – as a card management application from SAP. The vendor states the user can accomplish…


Marqeta headquartered in Oakland offers a wide range of card issuance and payment card solutions for enterprise. Marqeta provides the infrastructure and tools for building configurable payment cards, and with its open API platform Marqeta is designed to allow developers to manage…

Entrust Instant Financial Card Issuance Software

Entrust Instant Financial Card Issuance Software is a solution designed to enable financial institutions to instantly issue beautiful and secure debit and credit cards with the enhanced design, management, and efficiency, through a trusted software solutions.

CR2 BankWorld Cards

CR2 provide banks with Digital, Self-Service and Payments solutions to grow their business, optimise their customer service cost and deliver an enhanced customer experience. Headquartered in Ireland, they state they support over 100 banks in 60 countries in connecting and engage…

Fiserv Instant Issue Advantage

Fiserv's Instant Issue Advantage and Instant Issue Advantage: Equipment allows financial institutions to offer fast, in-branch personalization and issuance of permanent debit, credit, ATM, EMV chip, gift and photo cards.


CPI Card Group headquartered in Littleton offers Card@Once, a card issuance application.

Emburse Cards

Emburse Cards is a solution that enables users to issue virtual and physical credit cards instantly, and avoid out-of-policy expenses, as well as reduce teh wait to be reimbursed. The solution is presented as secure credit cards designed to keep spending in check. Emburse Cards can…


Synapse (formerly SynapseFi), from the company of the same name in San Francisco, si a white-label banking API, providing solutions for card issuance, payments, and account set up.


Zimyo offers unified HCM platform that helps automate tedious HR processes, eliminate payroll errors and foster positive human experiences. Zimyo solutions enable organizations to improve their key metrics by minimizing their employee onboarding time, turnover ratios, improved ESS…


Weel (formerly DiviPay) is a virtual corporate card and expense management platform from the company of the same name in Surry Hills, that aims to enable finance teams to better manage, control and streamline spending across their organisation.


Bilderlings is a FinTech platform that helps connect the user to banking services. Bilderlings open current accounts for businesses and individuals, provide cross-border payments all over the world, exchange currencies and issue payment cards. Bilderlings is an Authorised Electronic…


Pleo, headquartered in Copenhagen, offers smart company cards that enable employees to buy the things they need for work, all while keeping a company's finance director in control of spending.

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Expensemate is presented as a hassle-free way to manage business expenses, from the Rix Group. The service includes smart expense cards and expense management software helps businesses revolutionise how they think about and handle finance in the workplace.

Emburse Spend
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Emburse Spend automates how a company reimburses its teams, reconciles corporate credit cards, and implements an expense policy. The solution offers real-time information to improve decision making when approving expenses, or analyzing company spend, budgets, and return on investment.…

Visa Cards for Business

With a focus on small to midsize companies, Visa Cards for Business include debit to credit to prepaid products, with Visa rewards and tools to manage the cards and expenses. Visa options include a payroll card, a business debit card, or prepaid cards, virtual cards, and the company'…

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From EFTPOS to invoicing, accounts and cards, Zeller, headquartered in Melbourne, aims to provide an alternative to business banks. Zeller services include the Zeller Terminal, Zeller Invoices, a Zeller Transaction Account, and the Zeller Debit & Corporate Cards for businesses, as…

CSI global-fleet

CSI global-fleet is a tool to manage and control fuel and maintenance expenses. The global-fleet fuel cards features: Universal Acceptance - Accepted at over 90% of retail fueling locations in the U.S. including more than 45,000 service locations.Roadside Assistance - Keep drivers…

IDEMIA Smart Instant Issuance

IDEMIA’s Smart Instant Issuance supports personalized, speedy card issuance. With Smart Instant Issuance, consumers can walk out of a branch with an activated payment card, ready to be used. This integrated hardware and software solution combines the company's expertise in card issuance…

Learn More About Card Management Systems

What are Card Management Systems?

Card management systems are financial systems that create and manage physical and digital credit cards. Features include issuing payment cards as well as managing the data associated with them.

Businesses can use card management systems to issue virtual cards or physical cards, replacing the need for reimbursement reports. By connecting these to expense management software, accounting teams can track work-related expenses, reimburse employees, and generate reports necessary for tax season. This means less time spent on gathering receipts and managing paperwork. Business owners can also restrict the type of purchases made.

Card management systems are great financial solutions that simplify payment processing, and they can be used as part of an employee benefits package or award program. One of the most useful features to businesses is the ability to offer employees virtual credit cards.

Virtual credit cards (VCCs) give businesses a faster, more secure way to pay for things online. VCCs have a unique number and employers can set spending limits. Employees often need to make company related purchases. They're quick and safe, allowing employees to pay for things right from their desktop or mobile devices. They're also easier for finance teams to manage, helping them to reduce financial risk and avoid reimbursements and expense claims. Access to company funds is simple with no need for plastic cards and making it easy to track expenses and get work done.

Card management services can also extend into Banking as a Service (BaaS) features. Issuing lines of credit requires specific licensing by law. However, businesses can outsource BaaS services to banking institutions and offer their customers lines of credit. Embedding financial services into their product line can allow companies to offer convenience and speed to customers. Businesses can enhance the customer journey by offering membership perks to their customers for their credit usage. An example of this might be a bookstore that offers a branded credit card that earns points on every book purchase. Options like these help businesses leverage customer buying power and extend profits.

This financial technology should not be confused with programs for creating membership cards, access cards, or gift cards. For instance, visitor management software can offer options for issuing cards. In this case, the software is used to create passcards, “backstage” passes, or ID cards for visitors entering secure locations and events. However, this is not the same technology that businesses use to issue credit or debit cards.

Card Management Solutions Features

Card management system features are heavily dependent on the card issuer’s requirements, but many include:

  • Generate debit, credit, or prepaid cards
  • Issue virtual credit cards (VCCs)
  • Financial reports and analytics
  • Set spending limits and disable lost cards
  • Card information database
  • Card management number
  • Mobile commerce
  • Billing and invoicing
  • Templates, custom card design and personalization options
  • Card ordering, inventory, and duplication
  • Integration with accounting systems
  • Compliance with security regulations and privacy standards
  • Banking as a Service (BaaS)
  • Data encryption via HSM
  • EMV chip card issuing
  • Chip data personalization
  • Card detail maintenance customer service
  • Lost and stolen card processing

Card Management System Comparison

When comparing card management solutions, consider these factors:

  1. Security: Any system should comply with security standards as well as privacy regulations. Check for features that will allow you to limit spending and disable lost or stolen cards. Will you need to issue physical plastic cards with EMV smart chips, or virtual credit cards (VCCs) that can be issued quickly and used online?
  2. Banking as a Service (BaaS): Do you need Banking as a Service (BaaS) features to extend sales reach and meet customer demand? If so, be sure that critical banking services are included so customers can efficiently manage their funds.
  3. Expense Management: If you need to manage employee travel expenses and streamline expense reports, check which solutions integrate with your current accounting system.

You’ll also want to evaluate the ease of setup and access to training, consultative services, and technical support. Make sure the ease of integration and deployment options are a good fit for your business.

Pricing Information

Card management systems are usually priced per card per month in blocks. Most card issuance systems start at $29-149/month, depending on the level of service and the number of cards (virtual or physical) issued. Some companies offer free trials. Other solutions are add-ons to financial management programs. While vendors don’t typically disclose pricing information, custom pricing is available for larger organizations and enterprises.

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Frequently Asked Questions

What do card management systems do?

Businesses and financial institutions use card management systems to manage payment card orders, inventory, and card replacement. They can issue, personalize, and customize cards as needed, including virtual, debit, credit, or prepaid. This kind of system should comply with security standards and privacy regulations while providing options for deactivating stolen cards or setting spending limits.

What are the benefits of using card management systems?

Card management systems simplify card payment processing, track expenses, control spending, and generate reports. Companies can issue virtual or physical payment cards to award employee bonuses and track business expenses. Banks can automatically issue ready-to-use debit and credit cards, reducing delivery costs and fraud risks.

What are the best card management systems?

How much do card management systems cost?

Card management systems are usually priced per card per month, depending on the level of service you need. Most small-business packages begin at $29-$149/month. Most vendors do not provide pricing information, but custom pricing is available for enterprises.