Issues cards per person, supplier, subscription or purpose, with centralized management.
Management of expenditure & benefits New
More control over every expense. More clarity for every team.
Corporate cards Mastercard Black with virtual issue, carrier management, spending policies, national and international use and read buy buy. A clearer operation for finance, technology, marketing and distributed teams.
Corporate
Time of marketing
•••• •••• •••• 7637
MI2 SOLUCOES TECNOLOGICAS LTDA
Foreign currency signatures, international suppliers and travel expenses in the same flow.
Set limits, categories, teams and goals before the expense happens.
Benefit applicable to eligible categories such as marketing and cloud providers, according to product conditions.
Product
A financial layer to manage company spending.
From the first card to the invoice closure, the transaction can be structured by cost centre, carrier, supplier or purpose. It is especially useful for audited enterprises, controlled operations and organisations working with formal internal controls.
Separate expenses per person, staff, subscription, supplier or cost centre.
Set daily, weekly or monthly limits per carrier, card, category or purpose.
Block, reactivate or cancel cards and carriers directly from the operation.
Please indicate the establishment, category, value, card used, date and status of the expenditure.
International business card
Corporate cards with control and governance from the origin.
It issues cards for specific people, suppliers and purposes. Set policies before purchase, track each transaction in context, and focus limits, invoices and cashback on clearer, corporate, minimalist and ready for domestic and international purchases management.
Corporate
Corporate card•••• •••• •••• 7637
Nuvareon S/A
CashbackNot more than 1%Applicable to eligible categories, subject to commercial conditions.
The following table shows the following:UnlimitedBy person, supplier, signature or purpose.
The following table shows the following:R$ 0No annual cost on the virtual card.
Politics comes first.Spending is already governed.
Measurable limits for each responsibility.
Set ceilings by carrier, team, cost centre or purpose for each card to operate within the intended budget and the altitude defined internally.
By carrierBy teamBy budgetHeights
Let me do what makes sense. Block what you don't do.
Marketing, cloud, travel and other categories can follow their own rules. The policy is applied before authorisation, not after expenditure.
The marketingCloudBlocking 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 facilitates accountability for each expenditure.
SupplierCost centreProjectAudit
Routine and geography as politics.
Set up national or international periods, times, countries and scope to reflect the internal policy of each operation. The rule is to follow the card, not a parallel sheet.
The timeBrazilInternationalInternal policy
01
LimitsSetup by carrier, crew, budget or size.
↗02
Other categoriesPermissions and blocks before authorization.
↗03
PurposeClear context for reconciliation, audit and accountability.
↗04
Routine and countriesTimetables, countries and configurable operating rules.
↗Full management
From issue to closure,All in the same flow.
The transaction becomes more predictable when cards, policies, context of purchase, invoices and reports are treated as part of the same process.
Create virtual handhelds and cards.
Issues separate cards by person, supplier, subscription or purpose — with a clear context for each expense.
Emission by contextControl the boundaries in a granular way.
Set rules by carrier and card, including periods, categories, times and countries.
Policy before purchaseLock or cancel in seconds.
Block, reactivate or cancel cards and carriers directly by management when the operation requires.
Immediate actionSensitive data on demand.
Number, validity and CVV appear only when necessary and are hidden again, reducing operational exposure.
Operational securityClear on every purchase.
Accompany establishment, category, location, conversion, IOF, value, card used, date and status in a centralized reading.
Context by transactionInvoices and reports in the same panel.
Organize maturities, open amounts, closing dates and financial support reports.
Organized closureClarification in each purchase
Simpler reconciliation and audit with context in each transaction.
It's not enough to know how much it's spent. The transaction may record information that helps to understand, reconcile and audit the purchase without relying on parallel controls.
Corporate acquisitionConsolidated context
EstablishmentThe cloud providerApproved supplier
OtherSoftware & cloudWithin the policy
The conversionThe following table shows the following:Exchange rate and value converted
IOFDetailedComposition available for reading
LocationInternationalOrigin and country of purchase
Status of theApprovedPolicy validated before purchase
Security & Tokenization
Security at the level of the spending structure.
Dedicated virtual cards, tokenization and pre-controls reduce the exposure surface and isolate different suppliers, subscriptions and purposes.
Less exposure to sensitive data.
The tokenization structure reduces the need to reuse the same card data in multiple contexts.
One card per supplier or purpose.
Dedicate virtual cards to establishments, signatures or projects to limit the impact of any exposure.
Lock, reactivate and cancel.
It stops use quickly when policy changes, a supplier is replaced or an expense ceases to make sense.
Use cases
One card for every kind of spending.
Separate expenses, set independent limits and follow each purpose more clearly.
Paid media.
Google Ads, Meta Ads and TikTok Ads, each operation on its own card.
The marketingMore control over the acquisition budget.Corporate travel.
Tickets, hotels, car rental, restaurants and other transport costs.
TravelSpecific policies for those travelling on business.Software and cloud licenses.
AWS, Google Cloud, Azure and other global subscriptions, each provider on their dedicated card.
TechnologyAvoid mixing recurrences, cost centers and suppliers.Office shopping.
Equipment, events, maintenance and other day-to-day operating expenses.
OperationsSeparate budget for the administrative routine.
Cashback
Cashback that reduces the bill.
You receive up to 1% cashback on the actual amount of the invoice paid in eligible categories such as marketing expenses and payments to cloud providers such as AWS, Google Cloud, Azure and others, according to the commercial terms of the product.
Cashback on the invoiceNot more than 1%
Applicable to eligible categories, according to 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
The following is the list of the companies listed in Annex I:Other products
A premium aesthetic with benefits aligned with corporate use.
In addition to spending management, the Black category may collect travel-oriented flag benefits and executive convenience — always in accordance with the rules, availability and eligibility of the programme.
VIP rooms by LoungeKey.
Network of rooms Mastercard in Brazil and abroad; access may require a physical card and prior registration in the programme.
Travel insurance.
Travel medical coverage and baggage protection, in accordance with the terms of the Black category.
Concierge and experiments.
Travel reservation support and concierge support provided by the flag, as specified in the programme.
Governance, control, visibility, organisation and reconciliation facilitated for auditsMore clarity for the manager.
More clarity for the manager.
More autonomy for the user.
Individual responsibility.
Each card can be associated with a responsible, user context and policy — useful for internal responsibility and control segregation.
Rules before buying.
Allow or block categories according to internal policy, reducing exceptions and expenses incompatible with corporate purpose.
The policy is tailored to the company.
Limits, carriers, categories, purposes, times and countries can be configured according to the control structure of the operation.
Context to review and verify.
Centralize the reading of expenditure and maintain more context per transaction, facilitating reconciliation, internal review and audit processes.
Activation
From activation to first card.
A simple flow to request access, set up responsible people, issue cards and organize the closing routine.
Enable Spending Management on your Iopay portal
Please indicate the desired limit and who will administer the cards. The account is then reviewed as eligible.
Register those responsible for financial controls.
Register the company and the persons who will use the cards; each holder may receive a value rule per period.
People and rulesIt issues cards, creates cost centers and custom rules of use.
It issues virtual cards dedicated to suppliers, staff, projects with their own limits and policies aligned with their business.
Emission and limits- I'm not buying. Your bills to pay are under maximum control.
The expenditure is organised for financial monitoring and closure of the invoice.
Purchases and invoicesFrequent QuestionsThe essential issue,
The essential issue,
limit and benefits.
Quick response based on the conditions and resources presented today within the IOPAY account.
Who issues and processes the cards?
The emission and processing shall be carried out in partnership with Stark Bank, as presented in the product.
Is there an annuity?
The virtual card shall be presented with an annuity of R$ 0. Additional costs, where applicable, shall be reported prior to the contracting.
How does cashback work?
The product can offer up to 1% cashback on the actual amount of the invoice paid in eligible categories such as marketing expenditure and payments to approved cloud providers, as per eligibility and current business conditions.
What policies can be set up?
Operational policy is highly configurable: limits per carrier and card, categories allowed or blocked, purpose, period, time, countries, closing dates and other parameters of the operation can be defined according to the company's control structure.
Is it suitable for audited or internal controlled companies?
- I know. The ability to define responsibilities, limits, categories, purpose and context of each card makes the framework particularly suitable for companies working with control, internal review, responsibility segregation or audit processes.
How can the limit be made available?
The card limit may be structured according to the profile and eligibility of the transaction, according to the commercial conditions applicable to the product.
Do the cards work in international operations?
- I know. The product can be used for international purchases and global subscriptions, with a context reading of the transaction, conversion and origin of the purchase.
Can you use the card on your cell phone?
The virtual card can be used for online purchases and, when enabled, for compatible digital wallets.
What about the physical card?
The physical card appears as a next step in the product and will follow its own rules and conditions when made available.
What purchase data is available?
The product shall present a context by transaction including establishment, category, value, card used, date and status.
IOPAY
Revolutionize the financial management and control of your startup
Be under the control of the rules of each cost centre in your company Report and consolidate information for increasingly assertive decision-making and planning