The All-in-One Financial
Platform for Modern Teams.
Issue virtual cards, manage team spending, and streamline your global payments.
Who We Serve
Built for the New Generation of Global Business
E-commerce Sellers
Marketing Agencies
SaaS
Companies
Global Freelancers
Solutions
Smart Expense Management
Stop Chasing Receipts. Start Controlling Budgets.
Give every employee or department a dedicated virtual card with a pre-set spending limit.
Track every transaction in real-time from a single dashboard. Approve, freeze, or modify cards with one click.
Streamlined Ad Spend Management
The Card That Ad Platforms Trust.
Campaigns On Facebook, Google, And TikTok.
Drastically Reduce Account Suspensions Caused By
Payment Issues And Simplify Budget Tracking.
Designed for Your Every Need
Corporate Procurement
Globally procure materials and services. Our virtual cards isolate your company's main account, making every purchase traceable and secure.
SaaS & Software Subscriptions
Create dedicated cards for each enterprise subscription like Adobe for Teams, Microsoft 365, and other SaaS. Granularly manage expenses and cancel anytime to prevent unwanted renewals.
Marketing Payments
Set up dedicated cards for Facebook, Google, and TikTok ad campaigns. Assign budgets to different teams or projects to avoid overspending and payment rejections.
Employee Travel & Expenses
Equip your team with physical MPChat Cards for global business travel. Simplify expense reporting and monitor T&E spending in real-time.
Team Collaboration & Risk Control
Collaboration and Security, Under Your Control
Instant Issuing
Get your virtual card instantly and start spending right away. No waiting, no delays.
Team Collaboration
Assign cards with specific budgets to team members and monitor all expenses from a unified backend.
Spending Controls
Set independent monthly or single transaction limits for each card, and freeze/unfreeze cards with one click.
Real-time Alerts
Real-time notifications for all transactions, enabling you to grasp the dynamics of your funds in the first place.
FAQ
Q1: How can our business benefit from using MPChat virtual cards?
A: Your business can benefit in several key ways:
Enhanced Financial Security: By creating separate virtual cards for different vendors or projects (e.g., software subscriptions, ad campaigns, procurement), you effectively isolate risk. Even if one card's details are compromised, your company's primary bank account remains completely secure.
Granular Budget Control: You can set unique spending limits, expiration dates, and usage rules for each card. This allows for precise control over project budgets and prevents overspending. For example, create a dedicated card for a Facebook ad campaign with a fixed monthly budget.
Simplified Expense Management: Assigning dedicated virtual cards for employee travel or specific procurement tasks ensures a clear and transparent transaction record. Every payment is traceable, which significantly streamlines traditional expense reporting and reconciliation processes.
Improved Operational Agility: Employees can instantly request and receive approval for virtual cards for urgent purchases or online payments, eliminating lengthy administrative delays and boosting team productivity.
Q2: What specific corporate payment scenarios can MPChat virtual cards be used for?
A: Our virtual cards are designed to cover nearly all online corporate payment scenarios, including:
SaaS (Software as a Service) Subscriptions: Pay for Adobe Creative Cloud for Teams, Microsoft 365, project management tools, and various cloud services.
Online Advertising: Effortlessly pay for campaigns on major platforms like Google Ads, Facebook/Instagram Ads, and TikTok Ads.
Corporate Procurement: Make online purchases from e-commerce platforms and suppliers worldwide.
Travel Bookings: Employees can use their assigned virtual cards to book flights, hotels, and other travel-related expenses.
Q3: How do we fund our virtual cards?
A: To ensure full compliance and clear accounting, our corporate virtual cards support funding via Fiat currency ONLY. We offer a variety of convenient fiat funding methods to support your global business needs, including:
- Bank Wire Transfer
- Credit/Debit Card Payments
- Localized Electronic Payment Gateways (e.g., SEPA, ACH)
This approach ensures that every funding source is fully documented and easily auditable for your finance department.
Q4: What happens to a virtual card if an employee leaves the company or a project ends?
A: Administrators can manage the status of all virtual cards from the dashboard at any time. If an employee departs or a project is completed, you can instantly freeze or delete the associated virtual card. Any remaining balance on the card is automatically returned to your main corporate account, ensuring no funds are lost or wasted. This flexible management prevents the risk of misuse associated with lost or forgotten physical cards.
Q5: Are there extra transaction fees for using virtual cards?
A: We are committed to a transparent and competitive fee structure. Typically, there is a fixed service fee for card creation and maintenance. For transactions, we offer highly competitive foreign exchange rates, especially for cross-border payments. Compared to the complex wire transfer fees and less favorable exchange rates from traditional banks, using our virtual cards for global procurement and payments can often result in significant cost savings. For a detailed breakdown of our rates, please refer to our service agreement or contact your account manager.