Marketing Agencies - Expense Management

Q: What is Swipey?

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

Expense Management Built for Marketing Agencies

Manage client projects with dedicated cards and assigned budget all through Swipey’s all-in-one finance OS platform.

Trusted by +4,000 Malaysian businesses

Regulations help keep your money safe, with BNM-approved partners including PayNet, Visa & Fasspay.

Challenges for agency

Managing cash advances, claims and reimbursements for team members and payments to vendors is complex and time-consuming.
Reconciling petty cash and manual payment entries often becomes a tedious process.
Usage of personal debit & credit cards to a mix of personal and business transactions even more paperwork.
Obtaining a corporate card from banks can be a difficult process and high foreign exchange fees are charged for oversea & online payments.
Digital marketing platforms have limits on the number of accounts that can use the same card. With Swipey, never worry about that again with unlimited cards.

How Swipey powers modern agency teams

Swipey is the all-in-one expense management platform to cut through the chaos and put you in control of your finances.

Eliminate cash advances

Reduce manual errors and save time by empowering your team with Swipey cards.

Efficient vendor payments

With Swipey’s invoice and bill payment magic, ensure timely accurate and automatic payments with minimal effort.

Manage subscriptions seamlessly

Manage multiple subscriptions with dedicated cards and issue virtual cards instantly.

Save on foreign exchange cost

Swipey provides unbeatable FX rates to ensure more stable financial operations at minimal cost.

Auto Top-Up for cards

Ensure your campaigns never pause due to lack of funds and proactively access approved budget without a long process.

Efficiently manage project expenses

Segment your spend, assign cards for specific clients or campaigns to easily apply and keep track of your budgets

Why Swipey?

Apply online

Instant virtual VISA cards

No minimum deposit

No minimum time since incorporation

Why Swipey?

1 Sign up & invite your team to join Swipey

2 Issue cards based on team member’s role and project

3 Top up funds and allocate to cards as per your budget

4 Make payments easily anywhere

How INVOKE manages expenses across 300+ brands and 120+ team members

“Swipey has allowed us to easily integrate and automate our expense management and simplify our accounting process. In this day and age where payments require cards, it is easy to have and create multiple cards with different limits and purposes instantly.”

Fauzan (CFO)

Other resources

Top 5 ways to use virtual cards for business >

Increase productivity in marketing agency >

Financial management for marketing agencies streamlined with Swipey >

Frequently asked questions

Few more things you should know about Swipey.

What is Swipey?

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

Who uses Swipey?

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:

Agencies give every client its own ad card and bill it back cleanly

F&B and retail groups give each outlet a QR card with a monthly budget

Startups put every AI tool and subscription on its own card

Who founded Swipey?

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.

Can I use Swipey for personal spending?

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.