Merchant Lock
Restrict to specific vendors: "AWS only" or "Hilton only."
Issuing · Coming soon
Your team shares one corporate card. Finance finds out about overages at month end
Plan a virtual card per employee, vendor, or campaign. Confirm issuer, network, eligibility, controls, funding, transaction events, and wallet support before rollout.
Partner-issuedSpending controlsStatus oversight
Virtual Card
Marketing · Q4
4321 · 9180 · 0027 · 6642
Expires
12/27
CVV
•••
Issuer
Gruv
Spend Controlsv2 · enforced
Merchant category
Software · SaaS only
Per-transaction
$2,500 max
Expires
In 14 days · auto
Spent
$4,820
Remaining
$5,180
Where shared cards create blind spots.
Shared Physical Cards
Without on-demand issuance, five people share one corporate card. Procurement slows. Reimbursements stack up.
No Per-User Controls
Shared cards have no per-user limits, no merchant restrictions, and no transaction-level budget enforcement.
Manual Expense Matching
Matching receipts to statements drains time from finance every month-end, especially when receipts are missing.
Spend Appears After the Fact
Budget owners find out about overages when the statement closes. By then it is too late.
FX Conversion Surprises
International purchases on domestic cards trigger dynamic conversion fees and unfavorable rates.
Reconciliation Overhead
Allocating shared card transactions across departments and projects is manual work every month.
Gruv Solution
Plan virtual cards around control
Create a card per employee, vendor, or ad campaign. Set budgets, merchant locks, and expiry dates. See every transaction live.
Fast Issuance
Submit an approved card request and track its requested, under-review, active, frozen, or closed status.
Per-Card Budgets
Set spending limits by amount, frequency, merchant category, or date range. Declines happen at the point of sale, not after.
Live Transaction Feed
See every auth, decline, and settlement as it happens. Webhooks and dashboard, real time.
Competitive FX
International purchases settle at competitive rates. No dynamic conversion fee surprises.
Card-to-Project Mapping
Each card maps to a team, project, or vendor. Month-end close gets simpler.
Merchant Locks
Lock a card to specific vendors or merchant categories. "AWS only" or "travel only."
Capabilities
Card Controls
Budget Caps
Hard daily, weekly, or monthly spend limits. Declines happen at the register.
Auto-Expiry
Cards self-expire after a date you set. Perfect for one-off trips.
Apple Pay and Google Pay
Offer wallet provisioning only where the approved issuer, network, device, and program support it.
How it works
Issuing Flow
Before vs after Gruv
Virtual cards as a payout method
Most card programs target spend management. Gruv adds partner-issued cards as a payout destination, alongside bank transfer, wallet, and crypto.
Dimension
Without Gruv
With Gruv
Issuance trigger
An admin creates cards in a separate spend management tool.
Cards issue as part of the payout flow when the corridor calls for it.
Limits and validity
Cards inherit a blanket policy from the spend program.
Per-payout limits, expiration, and merchant category carry on each card.
Reconciliation
Card spend reports reconciled separately from payout intent.
Each card ties back to the originating payout. One audit line.
Failure handling
Declined card transactions surface days later in reports.
Declines feed back into the payout workflow for fallback or reissue.
More in Payouts
Explore more in Payouts
Data Ingestion
Pull payment data from QuickBooks, NetSuite, or affiliate platforms into Gruv via API, CSV, or email.
Automation
Set payout rules once in Gruv. Scheduling, approval routing, retries, and reconciliation run without manual steps.
Payee Experience
Give payees a branded portal to manage banking details, W-9s, W-8BENs, and payment history with Gruv.
Frequently Asked Questions
How many virtual cards can we issue?+
Limits depend on program configuration. Most setups support issuing cards per vendor, subscription, project, or employee.
Can employees add virtual cards to Apple Pay?+
Wallet provisioning depends on region and program. Confirm Apple Pay and Google Pay availability during evaluation.
How quickly can we issue a new card?+
Minutes. Once your program is enabled, cards provision via API or dashboard with controls applied at creation.
Next step
See where Gruv fits
Tell us what you are trying to do, where it needs to work, and how your team handles it today.
Contact the team