What is a corporate debit card?
A corporate debit card is a company card that pays from money the business holds. There is no credit line behind it and no balance to settle at the end of the month. For a group, that means card spend sits inside the cash you already manage.
Fyorin cards run on Mastercard as Commercial Debit cards. You issue them in GBP, EUR or USD, as virtual or physical cards, in under a minute, where banks typically take two weeks. Each card belongs to the business: it stays with the company when the cardholder leaves or changes role, and you can revoke or reissue access instantly. In practice it works as a business debit card for every entity in the group.
Card issuance from 2 weeks to under 1 minute
The result Top 3 Travel reports with Fyorin, alongside 20+ days a year saved.
Debit mode or prepaid mode on each corporate debit card
Every Fyorin card runs in one of two modes, and you pick the mode for each card.
Debit mode
You set a limit on the card. Spend draws on the balance of the linked account, up to that limit, so finance keeps funds in one account and decides how much each card can use.
Prepaid mode
A balance is guaranteed to the card, and the card spends what it holds. It suits a fixed budget, such as an event, a project or a team offsite.
| Feature | Debit mode | Prepaid mode |
|---|---|---|
| Where spend comes from | The balance of the linked account | The balance guaranteed to the card |
| What finance sets | A limit on the card | The balance on the card |
| Good fit for | Teams that spend regularly against a central budget | Budgets with a fixed amount and a clear end |
| Controls | Real-time limits and merchant controls | Real-time limits and merchant controls |
You can run both modes in the same group, card by card.
Corporate debit card limits from €5,000 to over €200,000
Default card limits start at €5,000 and can go over €200,000, which leaves room for large supplier payments and group travel on a single card. In debit mode, the limit is the ceiling on what the card can spend from the linked account, and it applies in real time.
Every card also carries its own controls:
- real-time spending limits
- merchant controls, so a card pays only the suppliers it's meant for
- geography controls, for cards that should work only in certain countries
- time windows, for cards that should work only during a trip or a campaign
- blocking a card when a receipt is missing
Corporate debit cards across entities, approvals and your ERP
Fyorin corporate debit cards cover every entity from one login, with cross-entity approvals and a two-way ERP sync. Group finance teams run several entities, several bank accounts and often several currencies. A business debit card fits that structure, because spend draws on the balance of an account you choose and real-time limits apply on every card.
With Fyorin you can:
- issue cards for each entity from one login
- set value-based and cross-entity approval permissions, with mobile approval
- let approvers sign off without an ERP licence in each entity
- recharge costs across entities the moment they're submitted
- map VAT, entities and countries once
- post and reconcile card transactions in NetSuite, Microsoft Dynamics, Sage, Xero, QuickBooks, Zoho, Odoo or Acumatica through a native two-way sync
Corporate debit card fees, validity and cashback
Fyorin charges nothing to issue or use virtual cards, physical cards carry their own fees, and card spend earns cashback.
Virtual cards
There is no charge to issue or use virtual cards. A virtual card is valid for up to 3 years.
Physical cards
A physical card is valid for up to 5 years, and generally carries a creation fee, a delivery charge and a monthly maintenance fee.
"Fyorin has helped us save plenty of time through the use of virtual cards - an easy way to manage company spend - whilst also allowing us to empower our people and speed up the approval process. Highly recommended if you're looking for a simple solution to everyday finances."
Patrick Cutajar, EyeTech
Card spend on Fyorin corporate debit cards earns cashback. The cards sit on the same platform as Fyorin business accounts, payables, receivables and treasury, with one onboarding and one login, so you can start with cards and add modules later. To issue cards in other currencies, see multi-currency corporate cards. For the full product detail, see Fyorin corporate cards on fyorin.com.
Funds you already hold, with limits you set card by card.
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