Swipey gives Malaysian businesses corporate cards that don't get declined (including Google, Meta, Microsoft, Azure and OpenAI) and books that close up to 12x faster. Swipey combines expense management, corporate cards that are designed around the different ways your business spends, automated bill payments and accounting integration — all in one place.
Give every tool, outlet or teammate its own card and limit, forward invoices to your Bill Inbox, and let Alfie AI match receipts and sync everything to Bukku, Xero or QuickBooks. More than 4,000 businesses run their spend on Swipey, and it's free to start.
Learn more → Swipey in 2 minutes
Any business registered in Malaysia, whatever your industry or size. If you can show you’re a Malaysian business, through SSM registration or another official registration document, you can sign up. Teams use Swipey to stop paying with personal cards, shared OTPs, reimbursement claims and petty cash. For example:
Kalyana Mohan and Rouvin Thiruchelvam started Swipey in Kuala Lumpur in 2021 to make company spend simple for Malaysian businesses. Instead of chasing receipts and topping up personal cards, teams get their own cards and finance gets one clear view. Today more than 4,000 businesses use Swipey to issue cards, pay bills and close their books.
No. Swipey is built for businesses, so you’ll need a business registered in Malaysia to sign up, and Swipey cards are meant for company spend. Freelancers and side businesses are welcome once they’re registered with SSM, even as a sole proprietor. Then you get the same free unlimited cards, bill payments and accounting sync as bigger teams.
Three cards, one for each kind of company spend:
Visit to https://swipey.co/cards/ learn more about Swipey Cards.
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
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
Match the card to what you're paying for:
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.
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.
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.
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.
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.
Getting started with Swipey is absolutely free! We also offer monthly subscription plans for your various business needs. Visit our pricing page for more details.
Swipey is free. The Free plan is RM0 a month with unlimited users, unlimited Corporate Cards and unlimited Virtual Card – QR Enabled cards, plus bill payments, Alfie AI and accounting sync. We charge for plastic, not people: physical Travel Cards are RM15 per active card a month, and that's the only add-on. Bigger teams can talk to us about Pro.
No. Swipey doesn't charge per user, so bringing in your whole team, from interns to your external accountant, costs nothing. Everyone gets their own login and role. Virtual cards are free too, which means a 5-person startup and a 500-person group both pay RM0 for the software.
Everything most teams need to run company spend:
Visit our pricing page for more details.
Swipey Pro is for bigger, more complex teams, usually 40 or more people. It includes everything in Free, plus unlimited entities, unlimited custom fields with filtering, e-invoicing when it launches, priority support and a dedicated account manager who knows your setup. Pro is shaped around your entities and approval flows, so speak to our team for a quote.
Swipey offers 1.1% uncapped cashback on eligible ads, SaaS and cloud spend. It does not apply to every transaction or to DuitNow QR spending. Eligibility and cashback terms apply.
Learn more: https://help.swipey.co/en/article/swipey-corporate-card-cashback-campaign
1.1% uncapped cashback on eligible ads, SaaS and cloud spend, from the first ringgit. If your team spends RM20,000 a month on Google Ads, AWS and ChatGPT, that's RM220 back every month on bills you were paying anyway. The programme runs from 1 Oct 2026 to 30 Jun 2027 and is credited to your company's Swipey account. Terms and conditions apply.
The online bills that keep your business running, paid on your Swipey Corporate Card:
Personal app store purchases, government fees, top-ups, transfers, fees and refunded transactions don't count. The full list is in the cashback terms.
No. Swipey Corporate Card cashback is uncapped. There's no minimum spend and no monthly cap, so every eligible ringgit of ads, SaaS and cloud spend earns 1.1% back. The more online bills you move onto the card, the more comes back. Terms and conditions apply.
Within 20 business days after each month ends, as a statement credit to your company's Swipey master account. Use it toward your next ad budget or subscription. It can't be withdrawn as cash, and if a transaction is refunded after you've been paid, that cashback comes off your next payout.
Swipey works with licensed, regulated partners to keep your money safe, including PayNet, Visa and Fasspay. Your cards and accounts run on Fass Payment Solutions (Fasspay), a BNM-approved e-money issuer. Overseas transfers go through a licensed money services partner. See exactly who does what at https://help.swipey.co/en/article/regulatory-compliance-licensed-partners
Your funds sit with Swipey's licensed, regulated partners, and you decide who can touch them. Every card has its own limit, so one leaked card can't drain your account, and you can freeze any card in seconds from the app. Bills and payouts need approval before money leaves, and every transaction is logged live for your admins and bookkeeper.
Forward an invoice to your Bill Inbox and Alfie AI fills in the vendor, amount and bank details. Approve it, then pay now or schedule it. Pay one bill or a whole batch by DuitNow, GIRO or JomPAY. Swipey emails the receipt to your vendor and syncs the payment to your books, so nobody types an invoice twice.
Yes. Pay suppliers in 100+ countries, including in USD, SGD, CNY, IDR and PHP, straight from your Swipey account through a licensed money services partner. Each overseas bill costs RM5. Your balance stays in ringgit and is converted when you pay, and the payment syncs to your books like any local bill.
Yes. Use Payouts to send salaries, allowances or commissions to your whole team in one batch by DuitNow or GIRO. Maker/Checker approval means one person prepares the batch and another releases it, so no single person can move company money alone.
Bukku, Xero and QuickBooks Online, free on every plan. Every card transaction, receipt and bill payment lands in your books automatically, and Alfie AI maps each vendor to the account you'd normally pick. Your bookkeeper reviews a short list of flagged items instead of retyping statements, which is how teams close their books up to 12x faster.
Visit https://swipey.co/accounting-integration/ to learn more.
Alfie is the AI teammate inside Swipey that takes month-end admin off your plate, so your team stops chasing paperwork and your books close up to 12x faster:
You only review what Alfie flags as unsure. Alfie also gets sharper the more your team uses it.
Snap it, forward it or drop it in, and Alfie does the rest. Employees photograph receipts in the Swipey app, forward them by email or upload them on the dashboard. Alfie reads the merchant, amount, date and card, then attaches each receipt to the right transaction. Anything it's unsure about is marked for a quick check, so finance stops chasing people at month-end.
Give each of them their own Swipey card. Each person gets a Corporate Card or QR card with a limit you set, so nobody fronts company money or waits weeks for a reimbursement. Receipts attach as they spend, and you see every transaction live. Cards and users are free and unlimited, so there's no reason to share one card or one OTP again.
Three roles, and as many users as you like for free:
Yes. Swipey’s multi-entity lets you split your business into separate workspaces, whatever “entity” means for you: a company, an outlet, a department, a project or a client. Each one keeps its own cards, budgets, admins and accounting connection, and you switch between them from one login. Spend stays clean in the books but visible in one place, whether you run one growing business or several. Multi-entity is included on the Free plan, and Pro removes the limit on entities.
Learn more → Multi-entity management
No. Swipey is built for Malaysian businesses, so every entity needs to be registered with SSM. If your group has companies overseas, your Malaysian entity can still pay their suppliers in 100+ countries through overseas bill payments, for RM5 per bill.
Swipey is built for how Malaysian teams spend, and it charges for plastic, not people:
Airwallex charges RM15 per active employee cardholder a month for expense management, and offers multi-currency accounts.
View our pricing page for more details.
A bank corporate card means an application, a wait and a few cards shared across the team. With Swipey, you issue unlimited cards in seconds from your dashboard, each with its own limit, and you settle in full so there's no interest. Every transaction comes with its receipt matched and syncs to Bukku, Xero or QuickBooks, which a bank statement never does.
Because Swipey takes the cost and admin out of company spend at the same time:
That’s why more than 4,000 Malaysian businesses run their spend on Swipey.
Learn more → See Swipey in 2 minutes
Sign up free at onboarding.app.swipey.co. The form takes about 2 minutes. Upload your company documents and the director completes a quick identity check on mobile. Once you're verified, you get your dashboard, the Swipey app and unlimited Corporate Cards on the Free plan. Most businesses are set up in under 10 minutes.
Sign up free at https://onboarding.app.swipey.co/. The form takes about 2 minutes. Upload your company documents and the director completes a quick identity check on mobile. Once you're verified, you get your dashboard, the Swipey app and unlimited Corporate Cards on the Free plan. Most businesses are set up in under 10 minutes.
Usually 3–5 business days after you submit your documents. If it's taking longer, WhatsApp us on +603 9213 1099 and we'll chase it for you. While you wait, try the interactive demo at demo.swipey.co to see your cards, bills and month-end in action.
Yes. Sole proprietors, partnerships and Sdn Bhd companies registered with SSM can all sign up for Swipey on the Free plan. You get the same unlimited cards, bill payments and accounting sync as bigger businesses. Personal accounts without a registered business aren't supported.
Get started now: https://onboarding.app.swipey.co/
