Expense management
Invoice processing
Corporate cards
Financial Services
Manufacturing
Technology
Download center
Customer stories
Help center
Blog
ROI Calculator
Jobs
Why Yokoy?
Press
Contact
Take full control of your corporate spend
With the Yokoy Business Platinum Visa Card you know exactly where and how you spend your money. Available throughout Europe as virtual and physical cards – now with up to 1% cashback*!
Our smart corporate card
What sets the Yokoy Business Platinum Visa Card apart?
The Yokoy Business Platinum Visa Card is a flexible means of payment that gives you full transparency and control over your spending. It is directly integrated with Yokoy, giving you an overview of all your expenditures in real time, while automatically reconciling every transaction with the respective receipts.
The Yokoy Business Platinum Visa Card is a free debit card that is accepted in millions of places worldwide – just like any other Visa card.
Full control. New insights. No hidden fees.**
Benefits of the Yokoy Business Platinum Visa Card
Detailed card transaction overview
The Yokoy card dashboard gives you full real-time control of all cards and transactions.
Full liquidity control
Set individual spending limits down to the employee level and allocate money exactly where it is needed.
No additional manual reconciliation
Card transactions are automatically fed into Yokoy and matched with receipts.
Free for all employees
No card or foreign currency fees. No foreign exchange surcharges – the interbank exchange rate applies. In addition, we give you up to 1% cashback.*
Adherence to compliance guidelines
You decide what your employees spend money on, ensuring compliance with corporate and regulatory guidelines.
A new level of flexibility and scalability
Yokoy makes card administration a breeze. Issue new cards at the touch of a button – physical or virtual, as many as you need.
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 Yokoy Group AG is not liable for inaccurate or outdated information on this website and may make changes to all products and services including pricing without prior notice.
How much can you save with Yokoy?
MORE THAN 500 COMPANIES RELY ON YOKOY
We chose the Yokoy card as our corporate card because thanks to the zero-fee model, we not only enjoy the ideal solution on the cost side, but at the same time it allows us to avoid a lot of manual administrative work as well as making our spend management much clearer and more efficient.
Peter Grausgruber
CFO
Bitpanda
MAXIMUM FLEXIBILITY
Available as physical and virtual card
Our physical card
Not your typical corporate credit card: order physical cards directly in Yokoy and benefit from an added layer of spend control.
Our virtual card
Do you want even more flexibility when it comes to payments? The virtual Yokoy Business Platinum Visa Card is ready to use in seconds – without compromising on features.
Curious to see the Yokoy Business Platinum Visa Card in practice?
Spotlight on the Yokoy Business Platinum Visa Card
Learn more about how the smart Yokoy Business Platinum Visa Card works – and what our customers have to say.
Make confident decisions based on real-time spend insights
The future of spend management is not only about automated financial processes, but also in gaining new insights into your expenditures. This is what Yokoy Analytics is built for: analyze your spending patterns, identify trends, and make better decisions.
The all-in-one spend management platform
Discover all Yokoy products
Frequently asked questions
Who can benefit from Yokoy Business Platinum Visa Cards?
Companies from numerous countries can open a Euro account after they pass the relevant KYB checks. The Euro account is located in the EU. Our partner is licensed and regulated by the Central Bank of Ireland as an e-money institution. The general terms and conditions apply.
What are virtual cards and what is the added value for a company?
Virtual cards are like normal corporate cards, but you don’t receive a physical card. Instead, the relevant card details are immediately displayed on the dashboard and the card can be used directly. In Yokoy, you can choose whether it should be a virtual or physical card when ordering a card. You will receive the virtual card within a few seconds. You can either use it for a specific purpose for certain payments or authorize certain people to use it. In both cases, the company can decide on restrictions, such as the validity period, the spending limit or when and where the card can be used. This makes the virtual card incredibly secure, flexible and very quick to use.
Why is the Yokoy card so affordable?
The Yokoy Business Platinum Visa Card is free of charge for the entire team. In addition, Yokoy charges no card account fees and no foreign transaction surcharges – the interbank exchange rate applies. Yokoy is a software-as-a-service solution and profits mainly from software licenses and not from the corporate cards. The Yokoy Business Platinum Visa Card is designed to bring added value and cost savings to our customers. For this purpose, we make all expenses made via the corporate card visible on our spend management software, so that you can track them in the best possible way.
How does the credit card integrate with Yokoy and my finance and HR system?
We automatically feed your card transactions into Yokoy, reconcile them with receipts and do the reconciliation work. On the Yokoy card dashboard, you can track all transactions at any time and keep track of all cards.
How is the data protected?
Data protection is a top priority at Yokoy, so we use modern data encryption standards for both stored data and data in transit. Additionally, Yokoy has tasked external penetration testers (hackers) to constantly check the platform for vulnerabilities. We follow local regulations such as GDPR in the EU or the Swiss Data Protection Act to deliver the best data protection standards.
Can I have the Yokoy card without the Spend Management solution?
Yes, we are happy to put together an individual offer based on your requirements. 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 (also on the mobile app).
How long does an implementation take?
Thanks to the latest technology, Yokoy is able to set up and test your individual configurations in a very short time. The projects are carried out either by the Yokoy services team or a certified implementation partner. The actual implementation time depends strongly on the configurations and integrations. It can last from a few weeks to several months, and will be agreed upon with you and your team.
How much does Yokoy cost?
For the Yokoy team, it is important that the spend management tool, Yokoy Pay with cards and Yokoy Invoice are properly set up and integrated into the client’s system landscape. No two setups are the same! We believe in full automation. That’s why we are happy to discuss your specific needs and provide you with a tailored offer.
Can Yokoy be used by large global companies?
Yes, Yokoy brings true added value to global enterprise clients. The tool 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. Our experienced onboarding project managers will lead the project from the planning to implementation and testing phases, and will hand over the tool to the company during a training workshop session. Global enterprise clients will benefit from a dedicated key account manager and financial process consulting from our in-house financial experts.
* Yokoy customers receive 1% cashback on every payment made with a Yokoy Business 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 Business Platinum Visa Cards. The following transactions are excluded from cashback payments:
– Incoming transfers to your Yokoy account made by you or a third party.
– Outgoing transfers from your Yokoy account.
– Withdrawals from ATMs.
– Chargebacks.
Yokoy explicitly reserves the right to change the cashback percentages paid on transactions with a Yokoy Business 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%.
Cards provided to EEA residents are issued by Transact Payments Malta Limited and cards provided to UK residents are issued by Transact Payments Limited pursuant to licence by Visa Europe Limited. Transact Payments Malta Limited is duly authorised and regulated by the Malta Financial Services Authority as a Financial Institution under the Financial Institution Act 1994. Registration number C 91879. Transact Payments Limited is authorised and regulated by the Gibraltar Financial Service Commission.
Yokoy GmbH is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see “Europe Safeguarding Explanation”.