Corporate Travel Fintech Platform
Reimagining business travel expenses with instant virtual card issuance and merchant-category controls.
The Challenge
Corporate travel expenses were a mess of reimbursement forms, lost receipts, and delayed approvals. The goal was to build a vertically integrated travel booking and expense platform where every employee receives a dedicated virtual card (Apple/Google Pay compatible) for their trip, linked directly to the company account.
The Solution
We architected a secure FinTech middleware connecting travel bookings with banking APIs:
- Virtual Issuance: Instant provisioning of tokenized virtual cards for Apple Pay / Google Pay wallets upon trip approval.
- Smart Limits: Dynamic spending limits based on trip duration, destination, and employee seniority.
- Merchant Control: Strict MCC (Merchant Category Code) whitelisting to ensure funds are used only for hotels, flights, and meals—automatically declining unauthorized purchases.
- Real-Time Reconciliation: Automated matching of transactions to travel bookings, eliminating manual expense reports.
Results & Impact
- Control: Reduced unauthorized spend by 99% via MCC controls.
- Speed: Expense reconciliation time dropped from weeks to seconds.
- Adoption: High employee satisfaction due to "zero-paperwork" travel.