Issuing

Cut shared card risk with virtual cards.

Issue virtual Visa or Mastercard for employees, contractors, or ad spend. Set limits and pause cards if needed.

Fast issuanceSpending controlsStatus oversight

Book a working session Back to Payouts

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.

No virtual card infrastructure

Without on-demand issuance, teams share physical cards or submit reimbursements that delay procurement.

Limited spending controls

Shared cards offer no per-user or per-vendor limits, no transaction-level budget enforcement.

Manual expense tracking

Matching receipts to statements drains hours from finance every month-end.

No live status visibility

Spend appears after the statement closes, blinding budget owners until overages happen.

Currency conversion hassle

International purchases on domestic cards trigger dynamic conversion fees and bad rates.

Reconciliation overhead

Allocating shared card transactions across departments and projects is manual work.

Gruv Solution

Issue virtual cards in minutes

Create purpose-built cards with granular controls, live status monitoring, and auto expense categorization.

Fast issuance

Generate virtual Visa or Mastercard numbers via API or dashboard once the program is enabled.

Granular spending limits

Set per-card budgets by amount, frequency, merchant category, or date range.

Live status monitoring

See every auth, decline, and settlement as it happens via webhooks and live dashboard.

Auto-currency conversion

International purchases settle at competitive FX without dynamic conversion surprises.

Integrated expense reporting

Each card maps to a team, project, or vendor for faster month-end close.

Merchant restrictions

Lock cards to specific MCCs or vendors to prevent out-of-policy purchases.

Card Controls

Merchant Lock

Restrict card to specific vendors (e.g., "AWS Only").

Budget Caps

Hard daily, weekly, or monthly spend limits.

Auto-Expiry

Set cards to self-destruct after a specific date.

Digital Wallet

Push to Apple Pay and Google Pay.

How it works

Issuing Flow

Before vs after Gruv

Virtual cards as a payout method

Most virtual-card programs target spend management. Gruv issues cards as a payout destination, alongside bank, wallet, and crypto.

Dimension

Without Gruv

With Gruv

Issuance trigger

Cards created in a separate spend tool by an admin.

Cards issue as part of the payout flow when the corridor calls for it.

Limits and validity

Cards inherit blanket policy from the spend program.

Per-payout limits, expiration, and MCC carry on the card.

Reconciliation

Card spend reports reconciled separately to payout intent.

Each card ties back to the originating payout for one audit line.

Failure handling

Declined card transactions surface days later in reports.

Declines feed back into the payout workflow for fallback or reissue.

Related capabilities on the same workflow

Data Ingestion

Ingest payment data via API, CSV, or supported integrations.

Automation

Set rules and let the system run. Automated scheduling, approval routing, and reconciliation.

Payee Experience

A white-labeled portal for your payees to manage banking details and tax forms.

Frequently Asked Questions

How many cards can I issue?+

Issuance limits depend on program configuration. Where enabled, create virtual cards with spend controls per vendor, subscription, or project.

Do cards support Apple Pay?+

Wallet provisioning depends on region and program. Confirm Apple Pay or Google Pay availability during evaluation.

How fast is issuance?+

Issuance is fast once the account is approved. Controls apply at creation. Speed depends on enablement and compliance.

Can I start with this feature and add more later?+

Yes. Gruv is modular, you can start with a single workflow and expand to additional modules as your requirements grow.

How do integrations work?+

Integrate via APIs and webhooks, or start with file imports/exports for a fast evaluation. Email ingestion can help with lightweight backfills when needed.

What affects coverage, methods, and timelines?+

Coverage, methods, and timelines vary by market and are subject to compliance and policy checks. Confirm your target corridors and payout methods during evaluation.

Is this tax or legal advice?+

No. Tax and compliance features vary by jurisdiction and customer configuration. This content is for informational purposes and is not tax or legal advice.

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