Carrying your Business Further

Just another credit card? Think again!

Corporate Cards

Spend Controls

Automated Accounting

Instant Payments

Business Perks

Unlimited corporate cards you can manage and trust with your entire team

Powered by a mobile app and a platform to help manage your business anywhere

Apply & get spending in minutes

  • Issue unlimited physical and virtual
    cards with built in controls
  • Easy online approval
    & card order process
  • Innovative underwriting — no matter
    the type and size of your business

Cards designed with your business in mind

  • Higher credit limits that
    grow with your business
  • No personal credit check or guarantees —
    Keep your personal credit protected
  • No FX or cash advance fees
  • No late payment fees

Effortless Control & Spend Tracking

Empower your teams with cards you control. Increase spend visibility across multiple vendors and teams

Cards that enforce your budgets

Set individual card spending rules

Easy card management — Issue or freeze cards or set monthly or single–purchase limits

Notifications to monitor spend on all Cards

Empower your teams

Easy card requests via email, SMS or Slack

Multi layered roles — Admin, Manager and Cardholder

Export entire spend request & approvals history for full accountability

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Transparency & spend Insights

Dedicated cards for subscriptions or vendors

Downloadable spend reports & statements from any employee, team or vendor

Real time visibility with a transactions dashboard

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Seamless Receipt Management

No need to chase people, hoard receipts or spend hours typing them into spreadsheets

Simply reply to CAARY text with a receipt photo or forward email receipts

We will remind, collect & match your receipts to all your transactions

Store all your receipts in your managed folders

Search your receipts folders for any item or vendor

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Automated Accounting Integrations

Reduce bookkeeping efforts, without the need to chase people, hoard receipts or spend hours typing them into spreadsheets

Eliminate manual data entry, simply verify attached receipts and sync

Set smart GL category & tax rules by card, team, vendor or merchant category

ML based transaction matching with receipts and memos

Automatic sync with your favorite accounting systems

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Instant Funds Transfer Functionality

Pay your suppliers and vendors and reimburse your staff for out-of-pocket expenses in real-time using CAARY’s B2B and B2C Payments.

Prefund your account

Provide your payee details

Instant payments

Any method, anywhere

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Simply a more rewarding experience

No BS 1.5% Cashback

Unlimited 1.5% cash back on all your business spend- No caps!

Exclusive Merchant Perks

Take advantage of exclusive perks that take your cash-back to the next level

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None of the most annoying fees that banks charge

Hidden Fees? Never
FX Fees? No Way
Cash Advance Fees? Nada
Fees per Card? No
Late Fees? Never
Overlimit Fees? No way

Fees we will never charge

  • Foreign transaction fees
  • Late fees
  • Cash advance fees
  • Overlimit fees
  • Fees per card

A difference worth talking about

We designed CAARY with business needs in mind providing quick access to credit on a modern corporate card and a platform that makes the stress of managing expenses a thing of the past

Other Banks

Completely digital application

Spend weeks trying to get a card

Access to credit for startups

Startup or new business? Good Luck!

Zero Cash advance, FX, overlimit fees

This is what they do best, fees!

Instant and unlimited virtual cards

No virtual cards, limited physical cards

Flexible rewards

Set rewards

Spend management


Team management


Receipt collection & management


Accounting sync


Other Banks

Completely digital application

Access to credit for startups

Zero Cash advance, FX, overlimit fees

Instant and unlimited virtual cards

Flexible rewards

Spend management

Team management

Receipt collection & management

Accounting sync

Peace of mind

We’ve got your back. Protect your business with zero liability, fraud monitoring and valuable discounts

Zero Liability, Theft
& Fraud Monitoring

Card Locks


World Class
Customer Support

Powerful Encryption
& Highly Secure


We’re a talented team of technologists and creative problem solvers with deep financial expertise, who have built the next generation payment platform to revolutionize business payments

Learn More About us

News and Views

With $1.6mm Seed Raise, CAARY Appoints Senior Fintech Investment Strategist John MacKinlay as CEO to Lead U.S./Canada Equity Crowdfunding Campaigns

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CAARY closes $4.1 million late-seed equity round to bring innovative corporate credit card and payments platform to small and medium-sized enterprises (SMEs) in Canada

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Upgrade your Corporate Card

Simplify your life

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