Cards & Spend Management
Earn 5× the revenue per customer — by launching the cards your employees, customers, workforce, and platform participants want to use.
How it works
Theorem issues physical and virtual Visa or Mastercard cards under your program. Configure MCC controls, per-transaction limits, single-use card numbers locked to exact amounts and merchants.
Capture interchange revenue on every swipe — up to 1.75%. Cards auto-fund from sub-accounts; transactions stream to your ledger in real time. Charge program fees, monthly card fees, or revenue-share the interchange.
Value
Three pillars
Spend with total control.
Corporate cards that enforce policy at the point of purchase — not after the fact.
Virtual & Physical Cards
Issue unlimited virtual cards instantly for online purchases, subscriptions, and vendor payments. Physical cards ship in days with the same real-time controls, limits, and policy enforcement.
Real-Time Spend Controls
Set granular policies by merchant category, amount, geography, and time window. Controls are enforced at the point of authorization — not after the fact — preventing out-of-policy spend before it happens.
Automated Expense Coding
Every transaction is automatically categorized, coded to the correct GL account and cost center, and matched with receipts. Month-end expense reconciliation becomes a non-event.
Agents in action
Cards as infrastructure.
Agents that handle the full card lifecycle — from issuance to reconciliation — with complete auditability.
Agents coordinate every transaction
A single card swipe triggers policy enforcement, receipt matching, and GL coding agents that work in parallel and resolve autonomously.
Smarter controls over time
Every transaction, policy exception, and coding correction feeds back into the model. Your spend controls get more precise with every card swipe.
Encode your spend policies, approval workflows, and GL mapping rules into structured training data.
Train models on your vendor patterns, category mappings, and cost center structures for maximum accuracy.
Enforce policies at point of purchase with real-time authorization, receipt capture, and expense coding.
Higher match rates and fewer exceptions with each cycle as models learn your spending patterns.
Modernize your card program.
See how Theorem gives finance teams real-time control over every dollar spent.