Expense Management | Virtual & Corporate Cards

Cards issued in minutes. Limits, MCC blocks, cancel on leave.

Virtual and physical cards issued via Volopay, Happay or EnKash partnerships. Per-employee limits, per-category limits, MCC-block lists. Cards cancel automatically on leave or termination. Spend reconciles against expenses live.

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How it works

Card issued, controlled, reconciled.

Step 01

Card issued via partner

Virtual card issued instantly; physical card couriered. Per-employee limit, per-category limit, MCC-block list configured at issue.

Step 02

Spend captures live

Card transactions stream into the expense queue within minutes. Merchant, amount, MCC code captured. Auto-match against any expense submission.

Step 03

MCC blocks enforce

Pre-configured MCC blocks (alcohol, gambling, cash withdrawal) prevent transactions at the source. Attempts surface in the audit trail.

Step 04

Auto-cancel on leave / exit

When the employee's status changes to leave, leave-without-pay or terminated, the card auto-blocks. The unused limit reclaims to the company's cash pool.

What the system does

Capability, input, output.

Capability	Input	Output
Card issuance	Employee + limit + MCC rules	Virtual / physical card
Live spend capture	Card transaction event	Transaction in expense queue
MCC block enforcement	Block list + attempted MCC	Transaction declined at source
Limit management	Per-employee / per-category limits	Limit enforcement at swipe
Auto-cancel	HR status change	Card blocked + limit reclaimed

Card issuance

Input

Employee + limit + MCC rules

Output

Virtual / physical card
Live spend capture

Input

Card transaction event

Output

Transaction in expense queue
MCC block enforcement

Input

Block list + attempted MCC

Output

Transaction declined at source
Limit management

Input

Per-employee / per-category limits

Output

Limit enforcement at swipe
Auto-cancel

Input

HR status change

Output

Card blocked + limit reclaimed

Compliance + integrations

Issued by a regulated partner. Controlled by your policy.

Cards issue via Volopay, Happay or EnKash, all RBI-licensed entities. Your control surface (limits, MCC, lifecycle) sits in OneFinOps; the card-issuance and settlement sit with the partner.

Regulations we work within

RBI prepaid card guidelines

Issued via licensed prepaid issuer (Volopay, Happay, EnKash).
KYC norms

Employee KYC verified before issuance.

Connects to

Volopay Native partnership
Happay Native partnership
EnKash Native partnership

Virtual & Corporate Cards FAQ

What buyers ask.

What's the difference between a corporate card from HDFC and a virtual card from Volopay?

HDFC corporate cards are credit lines extended to the company; you get a monthly statement and pay it. Volopay-style virtual cards are prepaid, funded by the company up front; spend draws down the prepaid balance. Virtual cards have tighter control (instant block, MCC restrictions, per-employee limits); corporate credit cards have higher limits and longer credit terms. Most teams run both for different use cases.

How fast can a card be issued?

Virtual card: instant (within seconds). Physical card: couriered, typically 3 to 5 working days. KYC verification (PAN, Aadhaar) is the typical bottleneck for new employees; with KYC on file, issuance is immediate.

Can we set per-trip limits on a card?

Yes. Trip-bound cards with a one-time limit are supported. The card auto-cancels at the trip end. Useful for one-off vendor visits or short-term contractors.

Related features

Issue a virtual card to one employee, free.

Free trial. Issue a virtual card via Volopay or EnKash, set a ₹5,000 limit, block alcohol MCC. Watch the spend stream in, the limits enforce, the auto-cancel fire.