Business cards
Cards for your team, funded by the money you take in
Cards are eligibility-based. If a regulated card issuer approves your account for its card programme, you can issue virtual and physical staff cards that spend your Enterprise Pay Gateway balance, each with its own limit, and see every purchase next to the sales that paid for it. Approval is the issuer's decision, never automatic.
Asking needs no account. It starts a conversation with us — it is not a card application and approves nothing.
Cards are issued by a regulated card issuer, not by Enterprise Pay Gateway, which is not a bank or a card issuer. Availability depends on that issuer approving your account for its card programme; approval, credit limits and any rewards are the issuer's and are not guaranteed here.
Where Business cards stands today
Eligibility requiredOffered only when your account and payment history qualify.
Eligibility: Requires approval for the card programme by our banking partner.
What Enterprise Pay Gateway provides
- The dashboard where cards, limits and every purchase are visible next to your sales.
- Reconciliation: spend listed against the card, the person and the merchant.
- The request path to be considered for the issuer's card programme.
What the financial provider does
- Issuing the cards, holding the card numbers and running the card programme.
- Approval of your account, and the controls, limits and rewards the programme supports.
- Card network, physical card and programme fees, and the cardholder terms.
Limitations
- Registry status is eligibility required: cards are not available to every account.
- Approval is never automatic or guaranteed, and Enterprise Pay Gateway cannot influence it.
- No credit limit, spending limit, reward or cashback is offered or promised by Enterprise Pay Gateway.
- Cards spend your own balance; they are not a credit product from Enterprise Pay Gateway.
Enterprise Pay Gateway is software. It is not a bank, not a lender and not a card issuer, and it does not hold your funds. Financial accounts, funding decisions and card programmes belong to the regulated provider behind them, on that provider's terms. Nothing here is an offer, an approval or financial advice.
Spend your balance, not a credit line
Cards draw on money you have already taken in. There is no borrowing from us and no credit limit we grant.
A card per staff member
Front desk, buyer, manager — each with their own card, so one person's spend never hides inside another's.
Limits and category controls
Cap a card monthly or per purchase and restrict where it can be used, using the controls the issuer's programme supports. Freeze it in one click.
Virtual and physical
The issuer's programme covers virtual cards for a phone wallet and physical cards for in-person buying. Issue times and delivery are the issuer's.
Spend next to your sales
Money in and money out live in the same dashboard, so month end is a read rather than an investigation. This is the part we build.
Card data stays with the issuer
Card numbers are issued and displayed by the regulated card issuer. Enterprise Pay Gateway never stores or handles them.
Common questions
Does Enterprise Pay Gateway issue the cards?
No. Enterprise Pay Gateway is not a bank and not a card issuer. Cards are issued by a regulated issuer under its own card programme. Card numbers are held and displayed by that issuer and never pass through Enterprise Pay Gateway.
Can I get cards today?
Only if your account is approved for the issuer's card programme. The registry status for this capability is eligibility required, so cards are not available to every account, approval is the issuer's decision and it is never automatic or guaranteed.
Where does the money on the card come from?
Your own funds — the money you have taken in — rather than a credit line from us. These are spend cards against your balance, so there is no credit limit we set and no borrowing involved on our side.
Can I give cards to staff, with limits?
Where the programme is approved, yes: a card per person or purpose, with the spend limits and merchant-category restrictions the issuer's programme supports, and the ability to freeze or cancel a card. Which controls exist is set by the issuer, not by us.
Virtual or physical?
The issuer's programme covers both: virtual cards that can be added to a phone wallet, and physical cards ordered for in-person buying. Availability of each, and delivery times, are the issuer's.
How do I keep track of spend?
This is the part we build. Every authorisation and purchase is listed with the card, the person and the merchant, next to the sales that funded it, so month end is a read rather than a receipt hunt.
Is there a cost, and are there rewards?
Enterprise Pay Gateway charges nothing extra for the card view in your dashboard; card network, physical card and programme fees come from the issuer and are shown by the issuer. We do not offer, promise or administer cashback or rewards.