Issue cards per person, supplier, subscription or purpose, with centralized management.
Spend & benefits management New
More control over every expense. More clarity for every team.
Mastercard Black corporate cards with virtual issuance, management by cardholder, spending policies, domestic and international use and purchase-by-purchase visibility. A clearer operation for finance, technology, marketing and distributed teams.
Corporate
MARKETING TEAM
•••• •••• •••• 7637
MI² SOLUCOES TECNOLOGICAS LTDA
Foreign-currency subscriptions, international suppliers and travel expenses in the same flow.
Set limits, categories, teams and purposes before the expense happens.
Benefit applicable to eligible categories, such as marketing and cloud providers, according to the product's conditions.
Product
A financial layer to govern company spending.
From the first card to statement closing, the operation can be structured by cost center, cardholder, supplier or purpose. It is especially useful for audited companies, operations with a controllership function and organizations that work with formal internal controls.
Separate expenses by person, team, subscription, supplier or cost center.
Set daily, weekly or monthly limits per cardholder, card, category or purpose.
Block, reactivate or cancel cards and cardholders directly from the operation.
Track merchant, category, amount, card used, date and status of each expense.
Corporate card · international
Corporate cards with control and governance from the source.
Issue cards for people, suppliers and specific purposes. Define policies before the purchase, track each transaction with context and concentrate limits, statements and cashback in clearer, corporate, minimalist management, ready for domestic and international purchases.
Corporate
Corporate card•••• •••• •••• 7637
Nuvareon S/A
Cashbackup to 1%Applicable to eligible categories, according to commercial conditions.
Virtual cardsUnlimitedPer person, supplier, subscription or purpose.
Virtual card annual feeR$ 0No annual fee on the virtual card.
The policy comes first.Spending is governed from the start.
Tailored limits for every responsibility.
Set caps per cardholder, team, cost center or purpose so each card operates within the planned budget and the internally defined approval authority.
Per cardholderPer teamPer budgetApproval levels
Allow what makes sense. Block what doesn't.
Marketing, cloud, travel and other categories can follow their own rules. The policy is applied before authorization, not after the expense.
MarketingCloudBlock by category
One card for each spending context.
Separate campaigns, subscriptions, suppliers and projects into dedicated cards. This improves reconciliation, creates context for auditing and makes each expense easier to attribute.
SupplierCost centerProjectAudit
Routine and geography as policy.
Configure periods, times, countries and domestic or international scope to reflect each operation's internal policy. The rule travels with the card, not in a parallel spreadsheet.
TimesBrazilInternationalInternal policy
01
LimitsConfiguration per cardholder, team, budget or approval level.
↗02
CategoriesPermissions and blocks before authorization.
↗03
PurposeClear context for reconciliation, auditing and accountability.
↗04
Routine & countriesConfigurable times, countries and operating rules.
↗Complete management
From issuance to closing,all in the same flow.
The operation becomes more predictable when cards, policies, purchase context, statements and reports are treated as parts of the same process.
Create cardholders and virtual cards.
Issue separate cards per person, supplier, subscription or purpose, with clear context for every expense.
Issuance by contextControl limits granularly.
Define rules per cardholder and card, including periods, categories, times and countries.
Policies before the purchaseBlock or cancel in seconds.
Block, reactivate or cancel cards and cardholders directly from management when the operation requires it.
Immediate actionSensitive data on demand.
Number, expiry date and CVV appear only when needed and are hidden again, reducing operational exposure.
Operational securityClarity in every purchase.
Track merchant, category, location, conversion, IOF, amount, card used, date and status in a centralized view.
Context per transactionStatements and reports in the same dashboard.
Organize due dates, open amounts, closing dates and supporting reports for finance.
Organized closingClarity in every purchase
Simpler reconciliation and auditing, with context in every transaction.
Knowing how much was spent isn't enough. The operation can record the information that helps understand, reconcile and audit the purchase without relying on parallel controls.
Corporate purchaseconsolidated context
MerchantCloud providerApproved supplier
CategorySoftware & cloudWithin policy
ConversionUSD → BRLExchange rate and converted amount
IOFItemizedBreakdown available to review
LocalInternationalOrigin and country of purchase
StatusApprovedPolicy validated before the purchase
Security & tokenization
Security at the level of the spending structure.
Dedicated virtual cards, tokenization and preventive controls reduce the exposure surface and isolate different suppliers, subscriptions and purposes.
Less exposure of sensitive data.
The tokenization structure reduces the need to reuse the same card data across multiple contexts.
One card per supplier or purpose.
Dedicate virtual cards to merchants, subscriptions or projects to limit the impact of any exposure.
Block, reactivate and cancel.
Stop usage quickly when the policy changes, a supplier is replaced or an expense no longer makes sense.
Use cases
One card for each type of expense.
Separate expenses, set independent limits and track each purpose more clearly.
Paid media.
Google Ads, Meta Ads and TikTok Ads, each operation on its own card.
MarketingMore control over the acquisition budget.Corporate travel.
Flights, hotels, car rentals, restaurants and other travel expenses.
TravelSpecific policies for business travelers.Software licenses and cloud.
AWS, Google Cloud, Azure and other global subscriptions, each supplier on its dedicated card.
TechnologyAvoid mixing recurring charges, cost centers and suppliers.Office purchases.
Equipment, events, maintenance and other day-to-day operating expenses.
OperationSeparate budget for the administrative routine.
Cashback
Cashback that reduces the statement.
Get up to 1% cashback on the amount actually paid on the statement in eligible categories, such as marketing spend and payments to cloud providers like AWS, Google Cloud, Azure and others, according to the product's commercial conditions.
Cashback on the statementup to 1%
Applicable to eligible categories, according to the eligibility and commercial conditions applicable to the product.
Eligible marketingmedia, performance and acquisition within the rules
Eligible cloudAWS, Google Cloud, Azure and other approved providers
Corporate
•••• •••• •••• 7208
CEO - ExecutiveBlack category
A premium aesthetic, with benefits aligned with corporate use.
Beyond spend management, the Black category can bring together card-scheme benefits focused on travel and executive convenience, always subject to the program's rules, availability and eligibility.
VIP lounges through LoungeKey.
Mastercard lounge network in Brazil and abroad; access may require a physical card and prior enrollment in the program.
Travel insurance.
Medical coverage while traveling and baggage protection, according to the current terms of the Black category.
Concierge and experiences.
Booking assistance during travel and concierge support provided by the card scheme, according to the program's conditions.
Governance, control, visibility, organization and easier reconciliation for auditsMore clarity for those who manage.
More clarity for those who manage.
More autonomy for those who use.
Individual accountability.
Each card can be associated with an owner, usage context and its own policy, which is useful for segregation of duties and internal controls.
Rules before the purchase.
Allow or block categories according to internal policy, reducing exceptions and spending incompatible with the corporate purpose.
The policy adapts to the company.
Limits, cardholders, categories, purposes, times and countries can be configured according to the operation's control structure.
Context to review and evidence.
Centralize the view of spending and keep more context per transaction, making reconciliation, internal review and audit processes easier.
Activation
From activation to the first card.
A simple flow to request access, define owners, issue cards and organize the closing routine.
Enable Spend Management in your Iopay portal
Enter the desired limit and who will manage the cards. The account then goes through review according to eligibility.
Register the people responsible for financial controls.
Register the company and the people who will use the cards; each cardholder can receive an amount-per-period rule.
People and rulesIssue cards, create cost centers and custom usage rules.
Issue virtual cards dedicated to suppliers, teams and projects, with their own limits and policies aligned with your business.
Issuance and limitsCategorized purchases. Your accounts payable under maximum control.
Expenses come in organized for financial tracking and statement closing.
Purchases and statementFrequently asked questionsThe essentials on issuance,
The essentials on issuance,
limits and benefits.
Quick answers based on the conditions and features presented today within the IOPAY account.
Who issues and processes the cards?
Issuance and processing are carried out in partnership with Stark Bank, as presented in the product.
Is there an annual fee?
The virtual card is presented with an annual fee of R$ 0. Additional costs, when applicable, are disclosed before contracting.
How does cashback work?
The product can offer up to 1% cashback on the amount actually paid on the statement in eligible categories, such as marketing spend and payments to approved cloud providers, according to current eligibility and commercial conditions.
Which policies can be configured?
The operating policy is highly configurable: limits per cardholder and card, allowed or blocked categories, purpose, period, time of day, countries, closing dates and other operating parameters can be defined according to the company's control structure.
Is it suitable for audited companies or those with internal controls?
Yes. Being able to define responsibilities, limits, categories, purpose and context for each card makes the structure especially suitable for companies that work with controllership, internal review, segregation of duties or audit processes.
How can the limit be made available?
The card limit can be structured according to the operation's profile and eligibility, in line with the commercial conditions applicable to the product.
Do the cards work for international operations?
Yes. The product can be used for international purchases and global subscriptions, with visibility into the transaction context, conversion and purchase origin.
Can I use the card on my phone?
The virtual card can be used for online purchases and, when enabled, in compatible digital wallets.
What about the physical card?
The physical card is a next step for the product and will follow its own rules and conditions when made available.
What purchase data is available?
The product shows context per transaction, including merchant, category, amount, card used, date and status.
IOPAY
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