Intelligent, automated business card payments
Streamline your corporate cards and payments and get control over company spend with AI-powered business payment solutions that are as easy for your people as they are for your finance team.
ISO 27001, ISO 9001, and ISO 14001 certified. GDPR compliant.
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One platform for all your payments
Issue physical or virtual cards and easily manage card administration including spend limits, freezing, or termination all on a single platform.
Control how people spend
Mitigate the risk of policy or regulatory non-compliance with a central control centre for all company card spend. You set the policies, limits, and any other safeguards you need and our AI will verify every transaction across the company.
Automate expense reporting and reconciliation
Say goodbye to hour after hour matching receipts and transactions – every time your people spend on their Yokoy card, it’s automatically matched to the right expense report and receipt, verified, and routed through the right approval workflow.
Explore our customer stories
Forward-thinking finance leaders around the world are already benefitting from Yokoy Pay.
How Yokoy corporate cards work
1. Capture every transaction
Issue physical or virtual cards with ease with a single view of all your employees’ card requests in one place. As your employees spend, Yokoy automatically collects all the relevant data from the transaction and uses AI to match it to the right receipt in their expense reports. 
2. Verify against company policy
Each transaction is automatically matched with receipts and verified against company policies that you maintain in a single, easy-to-use control center. From spend limits to merchant restrictions, per diems and more you can customise them on a per country, entity, team, or individual basis and our AI will do the rest. 
3. Authorise payments and expenses
With your card spending and employee expenses on one platform, you get an end-to-end view of all employee spend as well as AI-powered automation and customisable workflows to make sure all your spend is authorised and accounted for. 
Company spend that pays off
Get up to 1% cashback on every company card transaction with the Yokoy Platinum Visa Debit Card.
Pay securely with your mobile
Tap to pay everywhere contactless payments are accepted. Just add your Yokoy Platinum Visa card to Google Wallet or Apple Pay to make fast, secure business payments no matter where you go.
What you get with Yokoy Pay
Get to know our corporate card solution inside-out.
All payments in one platform
Centralise your corporate card payments, lodge card payments, and mobile payments in one platform, for full visibility.
Simple administration
Issue physical or virtual cards, freeze lost or stolen cards, and update spend limits and other policies all in a single intuitive dashboard.
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 to Yokoy in real time and automatically matched with the corresponding receipts and invoices.
Automated compliance checks
Prevent fraud and overspending with AI-powered verification that flags issues like duplicate receipts, potential breaches of company policy, and more.
Custom work- and approval flows
Control how people spend and streamline your processes with easy-to-use admin controls that let you update policies and fine-tune the automation.
Real-time spend data
Export real-time transaction and expense data from across entities and identify areas to optimize and improve how your company spends.
Built-in security
Yokoy ensures your data is secure with features such as two factor authentication and virtual cards with limits.
* 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 intelligent business cards in action
Gain full visibility and control over your business cards with AI-powered automation.