Rules live on the card. Set at issuance, enforced at the terminal.
类目、商户、单笔上限 —— 刷卡那一刻就生效
Preset limits by merchant, category and amount. Out-of-policy swipes decline at the terminal — not after the fact.
Transactions post instantly against budgets, teams and projects. No waiting for month-end.
Staff submit by SMS, mobile app or integrations; missing details are filled in automatically.
Spin up virtual cards per team, project or purpose. Rules travel with the card, and a card can be frozen the moment someone leaves.
Separate cards for ad accounts, stipends or one-off projects — each with its own limit and expiry.
Blocked categories and merchants decline instantly; ambiguous vendors route to a human automatically.
Expenses finish themselves: missing receipts are requested automatically, and memos are remembered.
The system flags transactions without documents and can request repayment on your behalf.
SMS, in-app photos, email and common tools attach receipts straight to the transaction.
Recurring expenses reuse last month's category, memo and allocation.
Cashback on every swipe, plus partner offers that offset real spend.
Apply it to your balance, deposit to your business account, or redeem for travel and gift cards.
Discounts and credits from travel, software and procurement partners.
Company credit profile, not the individual's — no personal guarantee.
The card is the entry point: travel, expenses, vendors, procurement and AP all land on the same books.
Turn travel policy into guardrails on the card — book and stay compliant.
Swipe, submit, approve, post. Staff stop gluing receipts.
Request to payment, OA and CAPS side by side; bills split by entity.
A card isn't another payment tool. It's deciding whether spend is allowed before the swipe.
CAPS product teamThe company issues a card with preset limits, categories and merchant rules. Swipes post in real time, receipts attach automatically, and everything flows into reconciliation.
No. The card sits on the company profile — no personal credit check, no personal guarantee.
Card issuing is region-specific and available only in supported issuing regions (issuance and settlement handled by partner institutions). Customers outside those regions can use CAPS procurement, approval, reconciliation and billing today; cards can be enabled when the region opens. Availability is confirmed at signing.
A business card answers "can it be swiped". CAPS answers "should it be, by whom, and how does it hit the books" — rules, receipts, approvals and reconciliation in one system.
The system requests it per transaction; unresolved items move to an exception list for finance.
Fifteen minutes: we size the savings against your spend and headcount.
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