A Trust Decision at the Moment of the Swipe
Fintra combines deterministic spend controls - limit, interval, merchant-category allowlist, vendor-lock, single-use - with the finance decision engine. Both must pass to approve a swipe, and if the engine is unreachable it fails soft to the controls, never open.
Illustrative product view
Two gates, both must pass
A spend limit alone is blunt; a model alone is unpredictable. The card guard runs both - deterministic spend controls and the in-process finance decision engine - and only approves a swipe when both agree. It is the same decision engine that guards the pay run, applied at the point of the transaction.
The deterministic controls
- Limit and interval - how much, how often
- Merchant-category allowlist - where the card can be used
- Vendor-lock - bind a card to a single merchant
- Single-use - one-and-done virtual cards
- All of it checked alongside the finance decision engine
Frequently asked questions
What is the card authorization guard?
It is a real-time trust decision at card swipe that combines deterministic spend controls with the finance decision engine - both must pass to approve the transaction.
What happens if the decision engine is down?
It fails soft to the deterministic spend controls rather than failing open, so an outage tightens rather than loosens the check.
Does it issue real cards today?
The authorization logic is real, but the card rail is sandbox-gated behind a provider seam, so you can exercise controls and decisions without issuing live spend until you enable it.
How is it safer than a standard corporate card?
A standard card enforces static limits. Fintra adds a decision engine grounded in real finance signals on top of the limits, so an in-limit but anomalous swipe can still be declined.
Stay in the loop
One practical finance briefing a week - new guides, checklists, and benchmarks.
Put a decision - with proof - in front of every action
See how Fintra decides allow / step-up / hold / block per action and writes each verdict to a tamper-evident ledger.
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