Streamline your business payments​

Gain real-time control of your global card spend and automatically match card transactions with receipts with Yokoy Pay – smart business payment solutions.

ISO 27001, ISO 9001, and ISO 14001 certified. GDPR compliant.


Manage card payments the smart way​

Centralize your global payments and simplify your card management with Yokoy Pay.


Remove data silos

Bring all your payments into once central platform to remove data silos and ensure end-to-end spend visibility.


Automated matching​

Remove manual work by automatically fetching transaction data and matching it to the corresponding receipts with AI.


Real-time reporting ​

Track global payments in real-time and gain full control over your spend with AI-powered data reporting.


Flexible payment options​

Yokoy offers multiple payment options, such as physical cards, virtual cards – including single-use cards, and mobile payment solutions.

Easy card administration​

Yokoy makes it easy to order cards, adjust limits, and freeze cards directly from the app, so you can simplify card administration while maintaining flexibility.


Granular spend control​

Set employee-specific card limits, minimize out-of-pocket spending, and spot spend outliers automatically to enforce compliance and control spend.

Full visibility into business spend

Achieve true end-to-end automation and control over global spend by connecting all your payments in real time, and bringing all your spend data into one fully integrated spend management suite – powered by AI.


Loved by employees

Equip your team with company cards in seconds, make expense reporting effortless, and prevent reimbursement delays with the power of AI automation.

Planted keeps spend under control with Yokoy

“A corporate card should be secure and uncomplicated – and this is exactly what the Yokoy Mastercard offers. In addition, the card is smart, saving us significant time.”

Christoph Jenny, Co-founder Planted


Yokoy Pay at a glance

Yokoy Smart Corporate Cards

Pay the smart way

Simplify your card administration, track global transactions in real time, and keep all expenses under control with Yokoy’s Smart Corporate Cards.


Yokoy Smart Lodge Card

One card for all your
travel bookings

Securely pay for flights, rail, hotels*, and travel services with one central Smart Lodge Card, fully integrated with your travel management provider. No transaction fees, no foreign exchange fees, no card fees*.

Yokoy Mobile Payments

Pay securely with
your mobile

Tap to pay everywhere contactless payments are accepted. Just add your Yokoy Platinum Visa card to Google Wallet to make fast, secure business payments no matter where you go. 


What our customers say

4.5 based on 124 reviews
Raphael WidmerCFO, Stadler Rail
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"At Stadler Rail, we’ve automated our global expense management process with Yokoy. This means Yokoy’s Artificial Intelligence does the repetitive work for us and we only check outliers and exceptions manually, which saves us time and money."
Enver SirucicCFO BAWAG Group
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"Yokoy stands out as a visionary company that offers a truly unique solution. Their customer success team has played a pivotal role in automating our spend management processes."
Christoph KühneGroup Finance, On
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"Yokoy has played a pivotal role in revolutionizing our expense management as we experience rapid global growth. The automation rate of nearly 90% is impressive, allowing us to handle a vast number of expenses with ease and export them within a day."
Christoph JennyCo-founder, Planted
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"A corporate card should be secure and uncomplicated - and this is exactly what the Yokoy Mastercard offers. In addition, the card is smart, saving us significant time."
Yvonne GrossVP of Finance & Operations, Daedalean
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"Yokoy and Travelperk helped us with end-to-end travel expense management automation. Now employees easily book trips in TravelPerk, and all data is sent to Yokoy in real time, with all compliance checks and VAT validation already in place."
Marianne SchluepHead of Finance and Accounting, Fenaco
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"With Yokoy, we have opted for a uniform and group-wide expense management solution that unifies our different expense processes on one platform and automates them across organizations. This guarantees company-wide compliance and increased efficiency."
Michael Kultscher-BurgerTeamlead Accounts Payable & Receivable, DO & CO
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"One unified process for the entire DO & CO Group. Yokoy enables us to collaborate optimally across all locations and entities."
Peter GrausgruberFormer CFO, Bitpanda
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"For the long term, we are interested in an all-in-one solution that covers all spend processes in the company. With Yokoy, we have the perfect solution for that."
Mirko BrudermannCFO, FC Basel
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"The expense process before Yokoy was extremely laborious. It's great to have a solution with which we can record and submit expenses anytime and anywhere."
Tania ThiebachFormer CFO, Sherpany
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"Before Yokoy, our expense process was mostly manual and time consuming. Now, we've standardized and streamlined it. The AI magic is truly doing most of the work."
Vivian MohrFormer CFO, Comparis
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"Yokoy is very easy to use, which saves us time and makes it efficient. The connection to the ERP works smoothly and provides real-time data for credit card transactions."
Benjamin KasumiSAP Consultant, Bawag
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"With their guidance and automation capabilities, we streamlined our finance processes, resulting in a remarkable 70% faster book closure. Yokoy has truly transformed our financial management, and we couldn’t be happier with the results.”
Ebru AricanFormer Head of Group Controlling & Accounting, Ameropa
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"We were impressed by Yokoy’s ease of use and seamless integration with our credit card provider."
Herbert SablotnyCFO, Beekeeper
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"We had an aha-moment when we realized that with Yokoy it only takes a few seconds to create a report compared to the many hours in the past."
Rafael SayaSenior Finance Manager, ITA
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"Before, when a receipt was missing, our Finance team had to chase after it. Now, it's Yokoy doing it automatically - pre-filling all the information with high accuracy."
Nilgün Kilit Former Team Lead Accounting and Patient Billing, Bellikon Rehabilitation Clinic
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"We had the Yokoy software demonstrated to us and it was clear that we had to have it. This is how software has to be today, as intuitive as a smartphone app."
Marcel P. de BoniManaging Director, ECOVIS
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"We’ve tested other expense tools before, but Yokoy represents a new level of automation thanks to the tool’s artificial intelligence and well-designed interface."

Main features

Get to know our corporate payment solutions.

All payments in one platform

Centralize your corporate card payments, lodge card payments, and mobile payments in one platform, for full visibility.

Granular spend controls​

Allocate funds when and where they’re needed and define spending limits and controls for individual employees.

Fully automated reconciliation

All transactions are imported in Yokoy in real time and automatically matched with the corresponding receipts and invoices.

Automated compliance checks

Yokoy’s built-in rules prevent fraud and overspending, ensuring compliance with company policies and regulations.

Custom work- and approval flows

Streamline your process by setting up auto-approvals and custom rules for triggering each flow.

Real-time spend data reporting

Find optimization potential in your global business spend with real-time transaction and expense data from across entities.

Built-in security

Yokoy ensures your data is secure with features such as two factor authentication and virtual cards with limits.

Simple administration

Yokoy makes card administration a breeze. Issue new cards at the touch of a button – physical or virtual, as many as you need.

Streamline your
IT landscape

Yokoy’s API facilitates seamless integrations with enterprise-level systems for end-to-end automation across entities and geographies.


Simplify your spend management

The Yokoy impact

See how we contribute to our customers’ success stories.

Frequently asked questions

Yes, you can buy each Yokoy module separately. However, using the full suite provides greater benefits, as you can manage your expenses, invoices, and card payments in one central platform, and you can reduce system and data silos by simplifying ERP integrations.

Yes, Yokoy integrates with more than 50 solutions, automating your entire spend management process from end to end. At the same time, our API makes it easy to build custom integrations, if you can’t find what you’re looking for. Check our Integrations page for more details.

Yes, although we serve both midsize and large customers, Yokoy’s added value is best experience by global enterprise customers. Our suite is built for complex, global multi-entity configurations, and integrates with most enterprise ERP & HRM tools such as SAP R3/S4 and Successfactors, among others.

This depends on your IT landscape and the required configurations and integrations. For example, a global implementation with 2 legal entities, an ERP system integration, credit card integrations, and SSO setup takes about 2 months. The projects are carried out either by the Yokoy Services team or a certified Implementation Partner.

Yes, our Implementation team will lead the project from planning to implementation and testing, and will coordinate training workshops for your team. Global enterprise customers benefit from a dedicated Key Account Manager and financial process consulting from our in-house finance experts.

We use modern data encryption standards for both stored data and data in transit. Additionally, we work with external penetration testers (hackers) to constantly challenge our platform’s vulnerabilities. We adhere to local regulations such as GDPR in the EU or the Swiss Data Protection Act, to deliver the best data protection standards.

Given that no two setups are the same, we’ll discuss your specific needs during the sales process, and provide you with a tailored offer that ensures you’ll get the most out of our spend management suite.

* Yokoy customers receive up to 1% cashback (depending on the chosen plan) on every payment made with a Yokoy Platinum Visa Card up to a maximum cashback amount corresponding to the value of the recurring annual licence fees for Yokoy products. The cashback program is only valid for Yokoy Platinum Visa Cards. The following transactions are excluded from cashback payments: 1. Incoming transfers to your Yokoy account made by you or a third party. 2. Outgoing transfers from your Yokoy account. 3. Withdrawals from ATMs. 4. Chargebacks. 
Yokoy explicitly reserves the right to change the cashback percentages paid on transactions with a Yokoy Platinum Visa Card at any time. 

** No card fees, card account fees, foreign currency surcharges or transaction fees (in foreign currency/abroad) are charged. Cash withdrawals at ATMs cost 10 Euros per withdrawal. Negative interest: 0.0%. 

For our complete cardholder terms, please refer to our Cardholder terms page. 

See spend management in action

Gain full visibility and control over your business spend with AI-powered automation.