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.

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

Business payments, fully automated​

The smart company cards for medium and large enterprises.

Pay securely, online and offline​

Create virtual cards for secure online payments or category-restricted cards for specific spend categories.

Track your spend in real time​

View all payments in one platform and gain real-time transparency. No need to wait until the end of the month.

Spot outliers automatically​

Identify spend anomalies quickly and flag them for later, ensuring internal and external policies are followed and risks are mitigated.

Available within EU & UK

Yokoy Platinum Visa Card ​

Spend safely and limit out-of-pocket expenses while enjoying maximum flexibility and control with the Yokoy Platinum Visa Card. No FX fees.

  • End-to-end spend visibility 
  • Individual spend limits
  • Automated transaction reconciliation
  • Simple administration
  • Natively integrated into the Yokoy suite

Available within Switzerland

UBS Corporate Cards

Automate your spend management process and gain full control with the integrated card solution by Yokoy and UBS.

  • Physical cards
  • Automated reconciliation
  • Full visibility into spend 
  • Manage your cards in the Yokoy suite

Available within Switzerland

Yokoy Mastercard

Control your spend, prevent errors and fraud, and close your books in time. The Yokoy prepaid Mastercard is directly integrated into Yokoy, giving you real time visibility over your global spend.

  • Secure spending
  • Individual spend controls
  • Global acceptance
  • Simple administration

Available within EU & UK

Yokoy Platinum Visa Card (Virtual)​

Get more flexibility without compromising on security or compliance with the virtual Yokoy Platinum Visa Card. Start using it right away and customize the card for one-time payments or merchant-specific transactions, directly in the app.

  • Order cards in seconds

  • Reduce the risk of fraud

  • Track spend in real time

  • Suitable for online and offline transactions

  • Ideal for contract workers and non-frequent travelers

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 Mobile Payments

No wallet? No problem.

With Apple Pay, you can pay quickly and easily with your Yokoy Platinum Visa card right from your iPhone or Apple Watch.

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. 

Yokoy Smart Lodge Card

One card for all your
travel bookings

Securely pay for flights, rail, hotels*, and business 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*.

What our customers say

4.5 based on 124 reviews
4.5/5
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."
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Main features

Get to know our Smart Corporate Cards.

Automated reconciliation​

Yokoy automatically imports card transactions and matches them with expenses, speeding up expense reporting, approval, and reimbursement.

Granular spend controls​

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

Built-in compliance​

Decide what types of business purchases your employees can spend money on and Yokoy flags policy breaches automatically to ensure compliance with corporate and regulatory guidelines.

Secure spending​

Freeze and terminate cards in a few clicks. Push notifications for authorisations and detect potential fraud in real time, to prevent unapproved card spending.

Real-time data​

Gain real-time visibility into business expenses and analyze all your card transactions in one central platform with Yokoy’s analytics solution.

Easy card administration​

No more lengthy processes – Yokoy makes card ordering and administration a breeze. Issue as many cards as you need and manage them effortlessly through the web or mobile app.

Global card acceptance​

Manage your company spending safely across geographies and entities. Our cards are accepted globally thanks to the card network of VISA and Mastercard.

Cashback on every transaction​​

No card fees, no transaction fees, no foreign exchange fees. Plus, you receive cash back on every transaction.*

Multi entity support​

Streamline complex AP and T&E processes across entities and subsidiaries, and standardize your workflows for increased efficiency and control with a central spend management platform. 

World-class service and support​

Get answers to your questions right away, troubleshoot issues with help from our experts, and improve your knowledge with in-depth live and self-guided Academy trainings.

Simplify your spend management

The Yokoy impact

See how we contribute to our customers’ success stories.

Frequently asked questions

Yokoy Expense and Yokoy Invoice can be purchased separately, however Yokoy Pay is not available without also purchasing Yokoy Expense. 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 the number of legal entities, the required configurations and integrations, as well as the readiness and responsiveness of the customer project team. For example, a global implementation with 4 legal entities, an ERP system integration, credit card integrations, and SSO setup could take from 2 to 6 months, depending on the level of standardization, the IT landscape and on how quickly required information can be provided. The project scope and duration will be individually assessed with you, by our certified Implementation Partner or our Yokoy Services Team.

We work with a number of qualified and certified partners who 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 Customer Success Manager, and can have the option of engaging our in-house experts for best practice consulting.

Data protection is a top priority at Yokoy. Your data is encrypted both in transit i.e. from your device to Yokoy and at rest in the cloud with a 256Bit AES encryption. Our cloud data is stored exclusively in the EU (Frankfurt, and St. Ghislaine, Belgium). Information about the security of the Google Cloud Data Center can be found here and about the compliance standards we follow can be found here. Last but not least what we as Yokoy do for data security and data protection can be found here.

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. 

Let AI do the work

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