ProXpense
02PX-PAY · CARDS & SPEND

Set the limit before the spend.

Every swipe checked, matched and visible — as it happens.

ProXpense corporate RuPay card issued with Pine Labs
MEALS · MONTHLY LIMIT
£180.00of £600.00
Live · •• 482101 · ISSUE
01
Virtual card issued
Priya S. · UK-01 · •• 4821
Issued
02
Limits applied
Meals £600/month · 6 categories blocked
03
Card swiped · dinner, London
£240.00 · 2 guests
04
Receipt captured
Photo from app · VAT £40.00
05
Reconciled and posted
UK-01 · meals budget · ERP

Every way money moves. One control layer.

CORPORATE CARDSPolicy lives on the card.Limits, categories and merchant blocks apply at the swipe.
CONTROLS
Monthly limit₹2,00,000
Per transaction₹25,000
Receipt required above₹500
Allowed categories
TravelLodgingMealsFuelElectronicsCash withdrawal
HOW IT WORKS

From issue to reconciled in four steps.

01IssueCreate a corporate or prepaid card for a person, a trip or a vendor, physical or virtual, in seconds.
02Set the rulesSet limits, allowed categories, merchant blocks and receipt rules before a rupee moves.
03SpendEvery swipe is checked against the rules at the point of sale. Out-of-policy spend is declined, not clawed back.
04ReconcileReceipts attach in the app and each transaction is matched and posted to the right cost centre and ledger.
CONTROLS

Rules that apply at the swipe.

The card enforces policy as the money moves, not weeks later in a review.

MEALS · MONTHLY₹6,000
₹1,200 spent₹6,000 spent
Limit reached · next swipe declined
SPEND LIMITSMonthly, per-transaction, per-tripSet limits per person, team or purpose, and change them instantly.
ALLOWED FOR THIS CARD
Travel
Lodging
Meals
Fuel
Electronics
Cash withdrawal
CATEGORY CONTROLSAllow travel, block the restAllow the categories a card is meant for and decline everything else automatically.
CARD •• 4821 · SWIPE
Hotel · £240✓ Approved at the swipe
Online retail · £90✕ Declined · merchant blocked
MERCHANT BLOCKSClose off what should be closedBlock merchant types, cash withdrawal or online retail on the cards that should not use them.
TRIP · JAIPUR₹40,000
Day 1 of 5 · activeDay 5 of 5 · expired
₹12,000 unused balance returned
PURPOSE-BOUNDLoad for one jobPrepaid cards can be loaded for a single trip, event or vendor and expire when the job is done.
LIVE · AUTHORISATIONS
Uber · Mumbai₹640
Hotel · Jaipur₹8,200
Team dinner₹2,400
LIVE VISIBILITYSee spend as it happensEvery authorisation shows up in real time, by card, person and cost centre.
AUTO-RECONCILE
Receipt
Card txn
Ledger
✓ Posted · UK-01 · meals budget
AUTO-RECONCILENo month-end scrambleReceipts, transactions and ledger entries are matched as they arrive.
ISSUED WITH PINE LABS

A RuPay card your finance team controls.

The ProXpense Corporate Card is a RuPay prepaid instrument issued by Pine Labs, which is authorised by the Reserve Bank of India to issue prepaid payment instruments. ProXpense provides the expense and control layer on top.

ProXpense corporate RuPay card issued with Pine Labs
QUESTIONS

What finance teams ask about cards.

Who issues the card?+

The card is a RuPay prepaid card issued by Pine Labs. ProXpense provides the controls, expense capture and reconciliation.

Can I set different limits for different people?+

Yes. Limits, categories and merchant blocks can be set per card, per person or per purpose, and edited at any time.

What if someone tries to spend outside the rules?+

The transaction is declined at the point of sale. There is nothing to recover afterwards.

Do cards work for one-off trips or events?+

Yes. Prepaid cards can be loaded for a single purpose with a short validity, and unused balance returns.

How do receipts get matched to card spend?+

Employees attach receipts in the app. Each one is matched to its transaction and posted to the right cost centre.

WHERE THIS FITS · ONE SPEND PATHNext: Expense →
01TRAVELProXpense Travel02SPENDPX-Pay03EXPENSEExpense04POLICYPolicy & Controls05INTELLIGENCEPRONA AI
TRAVEL→SPEND→EXPENSE→POLICY→INTELLIGENCE

See ProXpense in action.