The corporate cards that pays your online bills and closes your books

Three cards, one dashboard. Match each payment to the card built for it, and watch every ringgit reconcile straight into your books.

Trusted by +4,000 Malaysian businesses

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RM 100k

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Trusted by

4,000+

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Close your books

12x

faster

The cards

Three cards on one dashboard, each built for a different kind of spend

Start with the Swipey Corporate Card for everything online. Add DuitNow QR and Travel Cards for spend your team makes in person.

MOST POPULAR
Swipey Corporate Card
  • Virtual
  • Free and unlimited
  • 1.1% cashback

Swipey Corporate Card

Your default card for ads, AI tools, cloud and SaaS.

  • Goes through where prepaid cards get declined
  • A separate card per tool or vendor, each with its own limit
  • 1.1% uncapped cashback on ads, SaaS and cloud spend

Unlimited on the Free plan

Swipey DuitNow QR Card
  • Virtual
  • Free and unlimited

DuitNow QR Card

Everyday team spend, paid by scanning a QR code.

  • Pay any DuitNow QR merchant, no terminal needed
  • A budget per staff member, outlet or project
  • No personal money and no claims to chase

Unlimited on the Free plan

Swipey Travel Card
  • Physical
  • Optional

Travel Card

For spend on the move, at home and overseas.

  • Tap in store and at PayWave terminals
  • Withdraw cash at ATMs in Malaysia and overseas
  • Load a fixed amount for trips and per-diems

Charged per card. See fees

Built for online spend

Every online bill on a card your finance team controls

Stop running ads, AI tools and cloud bills through someone's personal card. Give each one its own Swipey Corporate Card, with its own limit and its own trail of receipts.

Swipey Corporate Card

Pay bills from platforms like

  • Google Ads
  • OpenAI
  • Anthropic
  • Microsoft
  • Azure
  • Goes through where prepaid cards get declined

    Campaigns and cloud bills keep running instead of stalling on a declined payment.

  • One card per tool, vendor or campaign

    Set a limit on each card and freeze one without touching the rest. A leak or a surprise price rise stays on a single card.

  • Every subscription on one dashboard

    See what renews, what it costs and who owns it, before the charge lands.

  • Receipts matched, books synced

    Alfie, our AI assistant, matches each invoice to its transaction and syncs both to Bukku, Xero or QuickBooks.

1.1%

Uncapped cashbackon eligible ads, SaaS and cloud spend made on your Swipey Corporate Card.

Cashback eligibility and terms apply. Read the cashback terms

Which card for which spend

Match each payment to the card built for it

Teams that spend well use each card for the job it handles best, and everything lands in the same dashboard.

Spend type
Best fit
Why
Google Ads, OpenAI, Microsoft, Azure
Google Ads OpenAI Microsoft Azure
Best fitCorporate
WhyThese platforms often decline prepaid. The Corporate Card clears, so campaigns and cloud bills never stall.
Online subscriptions & SaaS tools
Adobe Canva Figma
Best fitVirtual / Corporate
WhyOne card per tool. Nothing lapses, and a leak or surprise price rise stays contained to a single card.
In-store, PayWave & ATM withdrawals
In-store Payment terminal ATM
Best fitTravel
WhyTap in person and withdraw cash, at home and overseas.
Team travel & per-diems
Hotel Meeting Taxi Flight
Best fitTravel
WhyLoad a fixed amount, hand it over, and spending stops at the limit. Clean and capped.
Everyday operating spend across the team
Best fitVirtual
WhyPer-person cards with set limits, all landing in one dashboard.
Recurring supplier payments
Best fitCorporate / Virtual
WhyDuitNow QR suppliers on Virtual Card, bigger invoices on Corporate Card. Both reconcile straight into your books.

Rule of thumb: if the bill is online, put it on your Swipey Corporate Card.

How it works together

From the moment of purchase to closed books

Admins and bookkeepers work on the dashboard while cardholders use the mobile app. Every card feeds the same workflow.

  1. 1

    Pay the way Malaysia pays

    The Corporate Card handles online bills, DuitNow QR covers everyday team spend, and the Travel Card works for tapping in store.

  2. 2

    Track every ringgit live

    Set limits per person, freeze or top up any card instantly, and see all team spend on one dashboard.

  3. 3

    Close without the scramble

    Alfie matches receipts to transactions. Your bookkeeper reviews them, then everything syncs to Bukku, Xero or QuickBooks.

Swipey dashboard for admins and bookkeepers, connected to the mobile app for cardholders
Get started

Your first card is three steps away

  1. Step 1

    Invite a cardholder

    Add a team member and give them a role on the dashboard.

  2. Step 2

    Issue the right card

    A Corporate Card for online bills, or a DuitNow QR or Travel Card for in-person spend.

  3. Step 3

    Activate on the app

    The cardholder sets up the card in the Swipey mobile app and starts spending.

Put every online bill on a card that closes your books

Start on the Free plan with unlimited Swipey Corporate Cards and users.

Physical cards are charged separately. Cashback terms apply. See all fees

Frequently asked questions

Few more things you should know about Swipey.

What cards does Swipey offer?

Three cards, one for each kind of company spend:

  • Corporate Card (Free and unlimited): for ads, AI tools, cloud and SaaS. It goes through where prepaid gets declined and earns 1.1% uncapped cashback
  • Virtual Card – QR Enabled (Free and unlimited): for everyday team spend at any DuitNow QR merchant
  • Travel Card: a physical card to tap in store and withdraw cash, at home or overseas

Visit to https://swipey.co/cards/ learn more about Swipey Cards.

Why does Google Ads or OpenAI decline my card?

Many platforms, including Google, Microsoft, OpenAI and LinkedIn, decline prepaid cards, and most business card alternatives in Malaysia are prepaid.

Because they bill you after you spend, and a prepaid card can’t promise the money will be there. In Malaysia, Google Ads only offers automatic payments, where your ads run first and you’re charged later, and Google doesn’t accept prepaid cards for that. OpenAI says prepaid cards can’t be used to buy API credits.

Most business card alternatives in Malaysia are prepaid, which is why ads pause mid-campaign. The Swipey Corporate Card is prefunded rather than prepaid, so it goes through on these platforms, with higher limits, and you still set your own limit on every card.

Learn more → The Swipey Corporate Card

Is the Swipey Corporate Card a prepaid card?

No, the Swipey Corporate Card is prefunded. You top up to set your own limit and settle in full, so there's no interest and no surprise bill. That's what lets it through on Google, Microsoft, OpenAI, Anthropic and other platforms that turn prepaid away. The Virtual Card – QR Enabled and the Travel Card are prepaid Visa cards for everyday and in-person spend.

Learn more about Swipey Corporate Cards

Which Swipey card should I use?

Match the card to what you're paying for:

  • Meta or Google ads, ChatGPT, Canva, AWS: Corporate Card
  • Supplies, groceries, an outlet's petty cash: Virtual Card – QR Enabled
  • Flights, hotels, meals on a trip, cash from an ATM: Travel Card

Most teams start with Corporate Cards for online bills and add QR cards for the ground team.
View https://swipey.co/cards/ to learn more more on Swipey Cards.

How many cards can I issue on Swipey?

As many as your spend needs, free. Corporate Cards and Virtual Card – QR Enabled cards are unlimited on every plan, so give Google Ads, Meta, each SaaS tool, each outlet or each client its own card. When one subscription spikes or a card leaks, you freeze that card and nothing else stops. Physical Travel Cards are RM15 per active card a month.

What are the spending limits on Swipey cards?

You decide the Corporate Card's limit. It's set by what you top up, card by card, with no fixed ceiling from Swipey. The Virtual Card – QR Enabled and Travel Card allow up to RM10,000 per transaction, RM50,000 a day and RM500,000 a month. On any card, admins can add their own daily or monthly limits.

Can I use Swipey cards overseas?

Yes. Tap your Travel Card in store or withdraw cash wherever Visa is accepted, from Singapore to London. Your Corporate Card pays online merchants in any currency, so USD invoices from AWS or OpenAI go through. Spend with merchants outside Malaysia carries a 1% International Service Assessment at the card network's FX rate, and overseas ATM withdrawals cost RM10 or 2%, whichever is higher.

Does Swipey offer credit cards?

No, Swipey doesn’t offer credit cards or any credit facility. Every Swipey card spends money your business has already topped up, so there’s no interest, no monthly bill to settle and no debt building up. If you have a business credit card, you can still use it to top up your Swipey account, then spend with Swipey’s cards and controls. The Corporate Card goes through on Google Ads and OpenAI, where prepaid cards get declined.

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