Corporate Cards That Enforce Policy at the Swipe
Set a per-card limit, lock a card to a vendor or category, and every transaction is checked against your controls before it is approved - with the economics posted to your ledger.
Illustrative product view
What corporate cards in Fintra do
A corporate card program is only as good as the controls behind it. Fintra issues cards through a card provider (Lithic) and enforces policy at the moment of the swipe: deterministic spend controls run first, then a SentriAI decision gets the final say. Both must pass to approve - so out-of-policy spend is declined at the terminal, not caught weeks later on a statement.
- Per-card spend limits by interval (e.g. monthly) enforced at authorization
- MCC/category allowlists and vendor locks to pin a card to its purpose
- Single-use cards that decline after their one approved charge
- Freeze/close status honored at the swipe
The at-swipe control stack
| Control | What it enforces |
|---|---|
| Limit / interval | Spent-in-interval plus this charge must not exceed the limit |
| MCC / category | Merchant category must be on the card’s allowlist |
| Vendor lock | Merchant must match the card’s locked vendor |
| Single-use | A single-use card with a prior approval declines |
| Status | Card must be active, not frozen or closed |
These checks are pure and deterministic - no clock, no network - so the whole control layer is testable against known vectors. Any control failing means decline; all passing hands the final say to the SentriAI guard.
Economics that hit the books
Honest scope
The card program is built on a real provider integration (Lithic) with deterministic controls and interchange accounting. Live card issuing and money movement require your own provider credentials; without them, the program runs against a mock provider so you can design controls and see the economics before going live. Fintra never creates a card account or holds funds for you.
Frequently asked questions
How do Fintra corporate cards enforce spend policy?
Policy is enforced at the swipe. Deterministic controls - limit, MCC allowlist, vendor lock, single-use, and card status - run first, and a SentriAI decision gets the final say. Both must pass to approve, so out-of-policy spend is declined at the terminal rather than discovered later on a statement.
Can I lock a card to one vendor or category?
Yes. You can pin a card to a specific vendor with a vendor lock, restrict it to certain merchant categories with an MCC allowlist, and issue single-use cards that decline after their one approved charge. These controls are checked at authorization.
Does card spend post to my accounting?
Yes. When a transaction settles, Fintra posts a spend journal entry and an interchange journal entry and records the interchange and cashback. The card program’s economics land on the same ledger as your books, and cashback shows up as captured savings.
Is card issuing live?
The program is built on a real provider integration (Lithic) with deterministic controls and interchange accounting. Live issuing and money movement require your own provider credentials; without them it runs against a mock provider so you can design controls and see the economics first. Fintra never creates the account or holds funds.
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