Introducing Smart Cards: Unlimited Virtual Cards with Built-In Controls
Every growing business hits the same wall: you need more cards, but getting them takes days. Employees share credentials. Finance loses visibility. Out-of-policy spend slips through because the controls simply are not there.
Today we are launching Smart Cards — unlimited virtual cards that your team can issue in seconds, each with its own spending limits, category restrictions, and real-time transaction visibility. And they are free.
Why We Built This
Traditional corporate cards treat every cardholder the same. One limit. One set of rules. No granularity. When a marketing manager and a facilities coordinator share the same spending policy, you either set the limit too high (and accept the risk) or too low (and slow everyone down).
Smart Cards fix this by giving you a dedicated virtual card for every employee, vendor, or project — each with its own budget and restrictions. Issue a card for a software subscription with a $200 monthly cap. Issue another for office supplies, restricted to approved vendors. Issue a third for travel, requiring approval above $500. All of it enforced automatically, before the transaction settles.
What's Included
- Unlimited virtual cards — issue as many as you need, at no cost. One per employee, one per vendor, one per project.
- Per-card spending limits — set daily, weekly, or monthly budgets on every card individually.
- Category controls — allow specific merchant categories (office supplies, SaaS) and block everything else (gambling, personal expenses).
- Vendor restrictions — lock a card to approved vendors only. No surprises.
- Instant issuance — new cards are ready in seconds, not days. No waiting for plastic.
- Real-time visibility — see every transaction the moment it happens. No more waiting for monthly statements.
Built for How Teams Actually Work
Smart Cards are designed around a simple idea: the right person should have the right spending power, with the right guardrails, without anyone having to babysit the process.
When a transaction hits a card, we check it against the card's rules before it settles. If the spend is within policy, it goes through. If it is not, it gets held for review. No manual reconciliation. No after-the-fact surprises on your statement.
This means finance teams spend less time chasing receipts and more time on work that actually matters. It means employees get the autonomy they need without creating risk. And it means every dollar your company spends is visible and accounted for from the moment it leaves your account.
Get Started Today
Smart Cards are available now to all Agent Financial customers at no additional cost. Issue your first card in under a minute.
Issue Your First Smart Card
Unlimited virtual cards with built-in controls. Free for every business.
Get Early Access