For rapidly growing cross-border companies, managing employees' business expenses is a tedious and time-consuming task, in addition to directly paying external costs.

PhotonPay Card offers two types of cards specifically designed for different needs. The Share Card focuses on company operational expenses, while the Regular Card is better suited for employees' daily business expenses. With this solution, both companies and employees can enjoy a more flexible and efficient payment and expense management experience, significantly improving operational efficiency.

Share Card: streamline operational expenses with one card

The Share Card is ideal for covering expenses such as platform rent, software subscriptions, marketing, and supplier payments for companies expanding internationally, allowing you to monitor all expenses in real-time from a single interface.

Use Immediately Upon Activation

The Share Card is directly linked to PhotonPay’s multi-currency global account and is ready to use upon issuance.

Automatic Exchange

If the available balance in the required currency is insufficient, the card will automatically exchange funds from your other currency accounts, based on a preset order, into the payment currency at an optimal exchange rate.

Multiple Settings

Companies can clearly define the purpose of each card with notes and set flexible limits across various dimensions (daily, monthly, per transaction).

Regular Card: one-stop management for employee business expenses

The Regular Card is ideal for employees of companies expanding internationally, covering expenses such as hotel stays, flight bookings, and taxi rides. It can be used seamlessly within the Mastercard and Discover networks.

Flexible Management

Set transaction limits to enhance budget management efficiency and reduce the risk of unexpected overspending.

Dual Verification

Team security verification and two-factor authentication provide better information protection, ensuring the safety of both the card and funds.

More payment advantages with PhotonPay Card: facilitating efficient fund flow

The Share Card and Regular Card offer a new experience in fund management and payment solutions for companies and their employees. These cards address a range of challenges, such as difficulty in managing employee spending limits, unclear business expense tracking, and other related issues. They also expand the spending scenarios for corporate operational expenses, providing an efficient, simple, intelligent, and secure payment method. This ensures that fund management is controllable, visible, and traceable.

Customizable and Dedicated Usage

PhotonPay Card offers a wide range of card bins for companies to choose from, allowing businesses to select the most suitable card bin based on their specific usage scenarios, thereby improving the alignment between card usage and business models. Companies can also earn high rewards* based on PhotonPay Card transaction volume.

*The reward percentage ultimately depends on various factors, including PhotonPay Card transaction volume.

Transparent Spending, Precise Control

Companies can create, freeze, or cancel cards at any time as needed. They can also set transaction limits and restrictions to ensure the controllability and transparency of every payment, preventing overspending and reducing fraudulent transactions, ensuring that company funds are used within reasonable limits.

Efficient Reconciliation, Intelligent Management

The backend interface is user-friendly and easy to navigate, allowing real-time viewing and tracking of expenses, and enabling the timely generation of expense control reports to meet various reconciliation needs. Companies can monitor and analyze spending in real-time. Additionally, PhotonPay’s comprehensive API can be integrated with corporate systems. The Matrix Account feature allows the creation of separate accounts for each business line within a department, enabling real-time management of expenses across multiple business lines. This facilitates targeted financial budgeting and decision-making, ensuring efficient fund management.

Compliance First, Secure Payments

PhotonPay Card is a multi-currency payment tool jointly launched by PhotonPay and internationally renowned card networks and issuers. It features strict risk control and stable transactions. Since its inception, PhotonPay has successfully obtained payment licenses or permits in several countries and regions, including Hong Kong, the United States, Canada, and the United Kingdom. PhotonPay has also achieved multiple authoritative security certifications, such as PCI-DSS Level 1, the highest security certification, and ISO 27001 information security management system certification.

For companies expanding internationally, it's not just the coverage of payment scenarios that matters, but also the overall efficiency of payment and financial management. In the future, PhotonPay Card will continue to focus on addressing complex payment scenarios, continuously optimizing its features and services around the diverse needs of its clients. This will support more companies in their digital and global transformations, enhancing their competitiveness in the global market.