Smart Xpence cards for smarter business spending.
Empower your team to pay in-store and online with complete confidence, while maintaining control over business spending.
How it works
Real-time Overview
Track team spending in real-time as it happens.
Complete Control
Issue your team cards with built-in limits and controls
No Expense Reports
Capture receipts and add notes to transactions.
Instant Issuance
Issue cards and start spending immediately.
Payment cards to simplify business spending.
Wave goodbye to tedious expense reports and reimbursements. Empower your business and team with Xpence cards today.
A global card engineered for businesses
Issue yourself and your team Xpence Visa cards that can be used globally at millions of merchants in-store and online, in all currencies. And all physical Xpence cards are enabled for contactless and chip-and-pin payments.
Manage expenses as a team
Invite your entire team and empower them to start spending smartly. Assign roles and set custom limits for each employee. They’ll get their own app to view only their own transactions. And you can see who has spent what and where giving you complete control of your business expenses.
Control spend before it happens
Manage your cards from anywhere at any time. Instantly freeze and unfreeze a card or set individual spending limits. Xpence offers over 500,000 combinations of controls to give you a complete view of how your employees use their Xpence cards.
Spend online with confidence
Instantly issue virtual cards for single or multiple online transactions. Use virtual cards to manage your online subscriptions and digital ad spending. Each card has unique details assigned to a user so you always know who’s spending.
No expense reports
We’re giving you back time by simplifying your bookkeeping. Every detail-rich transaction is automatically categorised, and we remind your employees to submit receipts and add any important info each time they use their Xpence cards.
Enhanced security for your peace of mind
Xpence is PCI DSS certified – an industry standard for payment cards. We have implemented real-time fraud monitoring to ensure your safety. For online payments, our cards are 3D secure to give you extra peace of mind.
Want to know more?
Sign up today and say goodby to expense reports.
Get Started Now
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DIFC Innovation Hub, Gate Avenue, Zone D Level 1, Office 160, DIFC Dubai, UAE
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The products and services mentioned on this webpage belong to Xpence Ltd as a financial technology company and not a bank. Xpence Ltd provides certain facilities for utilization of payment services through Nymcard Payment Services LLC under the applicable payment network and Bank Identification Number Sponsorship of Mashreqbank PSC. This is  pursuant to the license by Visa® Inc and is available only for the residents of UAE subject to the Terms and Conditions of use