Your Business Debit and Credit Cards. Enabled.

YAPEAL’s ready to use card solution card solution (debit and credit cards) for businesses streamlines expense card management, offers greater control, transparency, and efficiency while empowering employees with seamless payment tools for their expenses and for subscriptions to software applications (SaaS).

Order your Business Expense Cards
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Cut Costs, Simplify Spending

Save up to 20 hours monthly on administrative processes.

Reduce overspend and misuse by up to 15%.

Managing your expenses smartly and efficiently is one of the major drivers to streamline your operations, become more efficient, and save cost.

Businesses typically face a number of challenges with existing expense card processes (Debit / Credit Cards)

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Administrative burden

Managing multiple cards, setting limits, and auditing transactions can be time-intensive. On- and off-boarding incl. daily expense transactions are usually paper based.

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Overspending risks

A spending limit is typically established as a maximum, rather than for normal business operations. Also, spending is rarely limited to certain categories or geographies. This can lead to misuse and overspend, impacting overall budget.

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Lack of real-time oversight

Traditional debit and credit cards for expenses often involve waiting for the monthly statements and then for employees to submit receipts and reconcile expenses manually, leading to delays and inaccuracies.

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Employee frustration

Employees often experience delays in getting approvals or receiving their business expense cards, which disrupts their workflow. This inefficiency leads to frustration as they can’t access necessary funds on time, hindering productivity.

Your solution: YAPEAL’s card solution for business expense management

No paperwork, instant use and productivity for new employees

1. Intuitive Web Interface and Mobile App for Instant Card Issuing for new Employees or Accounts

2. Digital cards immediately available in your wallet of choice

3. Ready to be used at 150 Mio. Visa merchant locations globally

Onboarding

Live in 5 min

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Prevent misuse and overspend - upfront

  • Get automatic reconciliation with HR systems (e.g. Personio).

  • Avoid excessive spending limits - adjust them on demand.

  • Benefit from embedded logic (geo blocking, excluded expense types etc.).

  • Take advantage of real-time reporting and tracking.

An interface representing a banking cockpit with different features.

Minimize admin burden and costs

  • Manage receipts efficiently.

  • Pre-assign cards to a project or P&L item.

  • Switch easily between legal entities.

  • Benefit from smooth integrations with accounting- and ERP-applications.

A design showcasing a banking interface on a device. To the right of the interface, a blue background on the left displays the text 'CHF' alongside a Swiss flag, symbolizing the Swiss franc. On the right, multiple blue backgrounds display the labels 'GBP,' 'EUR,' 'USD,' 'YEN,' and more — each paired with its respective national flag. An arrow connects the Swiss franc design to the other currencies, symbolizing international currency exchange. On top of it, a blue cercle with a text " Save* up to 4% "

Save on fees

Benefit from our:

  • Multicurrency capability: Keep the money in the currency you need it. No need to convert forth and back.

  • Attractive rates for foreign transactions: We offer you favourable exchange rates of up to 4% less than traditional Institutions.

  • Transparent and fair handling fees: No hidden costs, fees and rates are communicated upfront and up to 50% lower than your traditional provider.

Peace of mind with our Swiss regulatory framework and highest security standards

FINMA Regulated

YAPEAL holds a fintech license by the Swiss Financial Market Supervisory Authority (FINMA) and is regulated under the Swiss Federal Banking Act. Art. 1b.

Swiss Made

We are certified as a Swiss Made Software, under the ruling of Swiss Federal Institute of Intellectual Property.

SNB Account

YAPEAL keeps your Swiss franc deposits in a segregated account with the Swiss National Bank.

Why a ready-to-use expense card solution from YAPEAL makes a difference

Enhanced financial control, reduced administrative workload, and better compliance.
For your Business
For your Employees
Simplified processes, no advanced payments needed, and increased productivity.

Ready to manage your expenses more efficiently?

Open your YAPEAL business account today and experience maximum security, minimum effort and a solution tailored for Swiss businesses!

 

Open an Account

Success Stories

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Join our 800+ business customers

One month free trial period: Test it thoroughly, at no costs, after onboarding. 

Cancel anytime: No cancellation fees, as with our cards, you can cancel within minutes.

24/7 Swiss located support team.

Book a Demo

Price Plans for your Business Expense Cards

Our plans are built to scale with your company - Transparent, Simple and Scalable.

Find the plan that fits your needs. Your Business. Enabled

Save up to 20% with annual payment!

Monthly

Yearly

Grow

49.00

/Monthly

Start now

Up to 20 Visa Debit Cards

Additional Visa Debit Cards (CHF 2.-)

Up to 50 Virtual Visa Debit Cards

Additional Virtual Visa Debit Cards (CHF 2.-)

Unlimited Cashback*

Business

119.00

/Monthly

Start now

Up to 200 Visa Debit Cards

Additional Visa Debit Cards (CHF 2.-)

Up to 500 Virtual Visa Debit Cards

Additional Virtual Visa Debit Cards (CHF 2.-)

Unlimited Cashback*

Service and prices are subject to change at any time. The most current version is shown on this website.

 

*Depending on transaction volume

For organizations with larger and more complex requirements, we provide an Enterprise Solution. Please contact us to discuss a customized solution that fits your needs, and to inquire about pricing.

Your Business. Enabled.

Not sure, which price plan is right for you? Let us help you.