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Virtual Expense Cards for Businesses
Real-Time Spend Control Without Physical Risk.
Designed for modern finance teams, virtual Expense Cards give organisations complete control over spending before it happens, not after – powered by Pliant.
Award winning & trusted by
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Intelligent Card Spend
How Pliant Virtual Cards Work
Pliant and ExpenseOnDemand work in collaboration to bring businesses exceptional virtual card services that combine expense management and flexible employee spending.
As a Pliant customer, you can create virtual cards remotely in seconds:
Generate single-use or recurring cards
Add custom spend limits to each card
Set expiry date controls for complete control
Add merchant category restrictions to prevent rogue spending.
Within ExpenseOnDemand, you can then see all your card feed activities:
Align card spend to expense claims
Assign virtual cards to individuals, teams, projects, or suppliers
Eliminate manual reimbursements
Reduce fraud exposure. Gain immediate financial visibility
Virtual Cards Are Ideal For:
No shared corporate cards. No lost plastic. No delayed approvals.
Marketing campaigns
Travel bookings
Event spending
Temporary projects
Embedded Virtual Card Controls
Pliant cards embed governance directly into every virtual card transaction, ensuring spend is controlled before risks emerge. Real-time monitoring tracks card activity as it happens, while predefined budget caps and policy rules ensure expenses remain aligned with organisational controls.
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Drag-and-Drop Reconciliation
ExpenseOnDemand simplifies reconciliation with an intuitive drag-and-drop workflow designed to reduce friction during busy finance cycles. Card transactions, bank exports, and supporting documentation can be dropped directly into the platform, instantly triggering automated reconciliation processes.
Automated Spend Matching
Our system automatically matches virtual card transactions to the correct user or project, applies predefined rules, assigns cost centres and categories, flags discrepancies, and routes items for approval where required, eliminating complex uploads, manual mapping, and spreadsheet-based reconciliation.
Seamless Automation
Once virtual card transactions enter the ExpenseOnDemand platform, automation takes over. Real-time transaction capture, AI-powered categorisation, digital receipt attachment, and automatic matching ensure that every expense is structured and validated from the point of entry.
Why More & More Businesses Are Turning to Virtual Cards
Lower reimbursement volumes
Virtual cards allow employees to pay directly with company-controlled payment methods, significantly reducing the number of reimbursement claims finance teams must process.
Reduced manual data entry
Transactions are captured automatically at the point of payment, eliminating the need for employees or finance teams to manually input expense data.
Faster reconciliation cycles
Real-time transaction feeds and automatic matching dramatically shorten the time required to reconcile spend during month-end close.
Cleaner audit trails
Every transaction is digitally recorded with associated receipts, approvals, and metadata, creating clear and defensible documentation for audits.
Improved spend forecasting
Real-time visibility into card activity allows finance teams to analyse patterns and predict future spend more accurately.
Greater budget discipline
Predefined spend limits and policy controls ensure spending stays aligned with departmental budgets and financial plans.
Enhanced compliance and control
Built-in policy enforcement and monitoring tools help prevent misuse, ensuring all transactions remain compliant with organisational rules.
Trusted by
+15000 Companies
Businesses Love Our Software
Global finance leaders turn to ExpenseOnDemand for revolutionary employee expense management, streamlining reconciliation, and total expense transparency. See what our customers love.
From the onboarding to testing, the process was very seamless. This made our negotiation and closing the deal very easy and straight forward. - Finance Manager
Finance Manager
Real Estate
5.0
With ExpenseOnDemand, we have effortlessly automated expense reporting and this gives us real-time expense visibility. The platform has also helped us reduce fraud and human errors, and also speed up expense reimbursement.
Engineer
Telecommunications
5.0
Platform is easy to use and requires minimal maintenance. The team at EOD always kept and open communication despite the timezone difference.
IT Manager
Healthcare and Biotech
5.0
Very straightforward system to implement, in our instance supporting 120 users. Super easy to use and the AI scanning function of receipts is simply awesome!
Head of Operations
<50M USD
5.0
From the onboarding to testing, the process was very seamless. This made our negotiation and closing the deal very easy and straight forward. - Finance Manager
Finance Manager
Real Estate
5.0
With ExpenseOnDemand, we have effortlessly automated expense reporting and this gives us real-time expense visibility. The platform has also helped us reduce fraud and human errors, and also speed up expense reimbursement.
Engineer
Telecommunications
5.0
Platform is easy to use and requires minimal maintenance. The team at EOD always kept and open communication despite the timezone difference.
IT Manager
Healthcare and Biotech
5.0
Very straightforward system to implement, in our instance supporting 120 users. Super easy to use and the AI scanning function of receipts is simply awesome!
Head of Operations
<50M USD
5.0
Excellent product, small app price with big app functionality.
Director of Finance
Manufacturing
5.0
It has very good reposting features, smart scan and Accounting Integration.
IT Manager
IT Services
5.0
The ExpenseOnDemand platform is seamless and simple to use.
Finance Manager
Finance (non-banking)
5.0
Great, smooth experience from trial through to deployment.
Director
IT Services
5.0
Excellent product, small app price with big app functionality.
Director of Finance
Manufacturing
5.0
It has very good reposting features, smart scan and Accounting Integration.
IT Manager
IT Services
5.0
The ExpenseOnDemand platform is seamless and simple to use.
Finance Manager
Finance (non-banking)
5.0
Great, smooth experience from trial through to deployment.
Director
IT Services
5.0
Very helpful support team, great product, cost effective for any type of organisation as you will only be paying for the futures you are using.
Customer Relationship Manager
Real Estate
5.0
The ExpenseOnDemand platform is seamless and simple to use.
Finance Manager
Finance (non-banking)
5.0
Super fast team member setup / onboarding, loads of control / transparency. Asking a team member to pickup something for the office has never been easier.
Manager of IT Services
IT Services
5.0
ExpenseOnDemand is a great tool for managing our expenses. The onboarding was very quick and simple, the configuration was easy to do, and the team have had no trouble in claiming expenses.
Finance Analyst
Energy and Utilities
5.0
Very helpful support team, great product, cost effective for any type of organisation as you will only be paying for the futures you are using.
Customer Relationship Manager
Real Estate
5.0
The ExpenseOnDemand platform is seamless and simple to use.
Finance Manager
Finance (non-banking)
5.0
Super fast team member setup / onboarding, loads of control / transparency. Asking a team member to pickup something for the office has never been easier.
Manager of IT Services
IT Services
5.0
ExpenseOnDemand is a great tool for managing our expenses. The onboarding was very quick and simple, the configuration was easy to do, and the team have had no trouble in claiming expenses.
Finance Analyst
Energy and Utilities
5.0
Frequently Asked Questions
FAQs
Find quick answers or contact our support team
What are virtual expense cards for businesses?
Virtual expense cards are digital payment cards that allow businesses to control and manage spending without issuing physical cards. Each virtual card can be assigned to an employee with predefined limits and rules to ensure controlled, compliant spending.
How do virtual cards improve spend control?
Virtual cards give finance teams real-time control over spending by allowing them to set budgets, restrict merchant categories, and define expiry dates. This ensures every transaction is pre-approved and aligned with company policies before it happens.
Can virtual cards help reduce expense fraud?
Yes. Virtual cards significantly reduce fraud exposure by eliminating shared cards, limiting card usage, and enabling instant transaction monitoring. Suspicious activity can be stopped immediately by freezing or cancelling cards, helping prevent unauthorised spending.
How quickly can you create a virtual card?
Virtual cards can be created in seconds through the platform. Finance teams can instantly generate single-use or recurring cards, assign them to users, and apply custom controls—removing delays associated with traditional card issuance.
What controls can be applied to virtual expense cards?
Businesses can apply a range of controls, including:
Spend limits per transaction or period
Merchant category restrictions
Expiry dates for temporary use
Assignment to specific users or projects
Allocation of pre-defined currencies and countries
These controls ensure spending stays within budget and policy guidelines.
How do virtual cards simplify expense management?
Virtual cards automate expense capture by recording transactions in real time. This eliminates manual data entry, reduces reimbursement claims, and ensures every expense is automatically matched, categorised, and ready for approval.
Do virtual cards support automated reconciliation?
Yes. Transactions made with virtual cards are automatically captured and matched within the system. Combined with drag-and-drop reconciliation and AI-powered matching, this significantly speeds up month-end close and reduces manual finance work.
Are virtual cards suitable for specific business use cases?
Virtual cards are ideal for controlled, purpose-specific spending such as:
Marketing campaigns
Travel bookings
Event expenses
Temporary or project-based spend
They provide flexibility while maintaining strict financial oversight.
How do virtual cards improve financial visibility?
Virtual cards provide real-time transaction data, allowing finance teams to monitor spend as it happens. This improves forecasting, budget tracking, and decision-making across departments and projects.
Do virtual cards reduce administrative workload?
Absolutely. By automating transaction capture, categorisation, and policy checks, virtual cards reduce manual processes like data entry, receipt chasing, and reconciliation—freeing up finance teams to focus on higher-value tasks.
Ready to Optimise Your Expense Management?
Take the first step towards streamlining your expense management processes and maximising efficiency with ExpenseOnDemand.
Sign up now for a free trial!
