Factorial Cards are company-backed debit cards designed to simplify business spending for employees while giving Finance and Admin teams full control and visibility.

They are issued under regulated financial providers, ensuring compliance, security, and reliability, but are fully managed within Factorial - so you never need to deal with third parties. For customers, Factorial is the single provider of the service.

Types of Factorial Cards

• Physical Cards: Delivered by mail, usable for in-store and online purchases.
• Virtual Cards: Instantly available, perfect for online payments, recurring subscriptions, or one-off projects.

Key features

• Security first - Transactions are safeguarded with banking-grade security standards.
• Spend control - Define budgets, set transaction limits, and apply restrictions.
• Full visibility - Every transaction is automatically linked to expenses for streamlined reporting.
• Flexibility - Cards can be requested, issued, or revoked instantly, reducing delays in company operations.

Who can use Factorial Cards

• Employees can request cards for business-related payments.
• Managers and Finance teams can approve, track, and control usage.
• Admins maintain oversight of all card activity across the company.

Benefits for your company

• Simplifies expense management and reduces manual reimbursements.
• Strengthens policy enforcement with automated controls.
• Increases financial transparency for Finance and HR teams.
• Provides a safer alternative to sharing corporate credit cards.

FAQ

1. Who can request a Factorial Card?
   Any employee can request a card, but approval must come from their manager or the Finance team.
    
2. Are Factorial Cards credit cards?
   No, they are debit cards backed by company funds.
    
3. Can Factorial manage both physical and virtual cards?
   Yes, both types are fully managed within Factorial, with no need to deal with external providers.