Yokoy Mastercard

Control your global spend, prevent errors and fraud, and close your books in time with the fully integrated prepaid Mastercard.

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


Full control with easy-to-use cards​

The smart payment solution for medium and large enterprises.


End-to-end visibility

The Mastercard is fully integrated into Yokoy’s spend management suite, ensuring full visibility and control over your card payments and corporate spending.


Automated reconciliation​

Yokoy automatically links the prepaid card transactions to their respective receipts and our AI ensures they’re correctly booked in your accounting system.


Real-time control

Manage your corporate cards directly in Yokoy. See card details and transactions, freeze your card or order a new one – all at the touch of a button.


With the savings that the Yokoy card has brought us, we were able to cover the complete expenses for the Yokoy tool.

Ramon Schalch, Managing Director ViCAFE Roastery & Espresso Bars

Main features

Get to know our Smart Corporate Cards

Secure spending​

Freeze and terminate cards in a few clicks. Push notifications for authorisations and detect potentially fraudulent payments in real-time.

Granular spend controls

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

Automated reconciliation​

Card transactions are automatically fed into Yokoy and matched with receipts.

Built-in compliance​

Pre-define what employees can spend money on and set guardrails for corporate and regulatory spend compliance.

Real-time data​

Gain real-time visibility and control of all your cards and transactions 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, at the touch of a button.

Global card acceptance​

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 cashback on every transaction.**

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."

Frequently asked questions

Yokoy works with Hypothekarbank Lenzburg, which acts as the card issuing bank and holder of the Mastercard license.

We offer the Yokoy Platinum Visa Card for customers from countries in the European Union. You can also change your selection to the EU pages in the language menu at the top right corner.

No, Yokoy Pay is only available in combination with Yokoy Expense. Nevertheless, the greatest benefit is of course the complete package of expense, card, and invoice management, as the interfaces to the ERP system can be used for the entire spend management and everything can also be operated in the same Yokoy application.

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.

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. Request a quote here.

Disclaimer: All Yokoy card products are offered under the acceptance and service terms of the license partners and cannot be guaranteed. For more details, please contact us. Yokoy Switzerland Ltd is not liable for inaccurate or outdated information on this website and may make changes to all products and services including pricing without prior notice.

* 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.