300+ companies control spend before it happens with Z-Spend
The card is just the start.
Everything you need to control spend, automate busywork, and earn more — at your fingertips.
Corporate cards
Spend smart globally with powerful cards and built-in controls.
Expense management
Use AI to automate approvals and expense reports. Track in real time.
Travel
Simplify global travel with in-app booking and management.
Bill Pay
Save time with AI-powered invoice entry and payment automation.
Banking and treasury
Save, spend, and grow your cash with 3.96% yield — from day one.
Spend smarter at every stage of growth.
Take full control of your finances, streamline the tedious tasks, and unlock greater rewards — all in one place..
Startups
Get the only complete financial stack designed to help start and scale your business.
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Mid-size companies
Spend smarter worldwide with AI-powered budgets, expenses, payments, and travel.
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Enterprises
pend smarter worldwide with AI-powered budgets, expenses, payments, and travel.
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Give your finance team superpowers.
Maximize every resource with AI-powered controls, payments, and accounting.
Control spend before it happens.
Set budgets and allocate spend limits with auto-enforced controls that empower employees to spend wisely. Track and adjust in real time to keep everyone on budget and maximize impact.
Make doing your expenses easy.
Make expenses a breeze for employees and managers with automated receipts, an AI-powered expense assistant, in-app travel bookings and itinerary changes. All in a five-star mobile app.
Maximize your spending power.
Unlock 3.96% yield, fast global payments, 20x higher credit limits, and cash back with a Z-Spend business account. Plus, safeguard your capital with up to $6M in additional FDIC insurance through our program banks*.
Pay vendors faster and easier.
Save time with AI-powered automation of invoice entry, approval, and payments. Issue vendor-specific cards for any teams with per-transaction limits and procurement approval flows.
Maximize your spending power.
Unlock 3.96% yield, fast global payments, 20x higher credit limits, and cash back with a Z-Spend business account. Plus, safeguard your capital with up to $6M in additional FDIC insurance through our program banks*.
Save and earn more, only with Z-Spend.
AI-powered automation
4,250 hours
Average time saved per year with Z-Spend's expense and accounting automation.
Best-in-class treasury
3.96% yield
Same-day liquidity and built-in treasury that makes you money.
Superior policy compliance
99%
Average rate of expense policy compliance by employees on Z-Spend.
See what Z-Spend can do for you.
Learn how our spend platform can increase the strategic impact of your finance team and future-proof your company.