Professional Service - 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

Professional Service Firm Losing Profit? Blame Inefficient Expense Management

Swipey streamlines financial operations for professional service firms - from payments to reconciliation to reporting.

Trusted by +4,000 Malaysian businesses

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

Challenges for professional services

Managing cash advances, claims and reimbursements for team members and payments to vendors is complex and time-consuming.
Traditional processes cause approval delays, resulting in slow reimbursements that frustrate employees, clients and disrupt your business.
Firms struggle with limited oversight and real-time visibility into expenses, making it difficult to enforce spending policies and manage budgets effectively.
Inconsistent tracking can lead to non-compliance with financial regulations, increasing the risk of audits, fines, and expense fraud.
As you grow, manual processes become unsustainable, hindering their ability to scale operations efficiently and strategically.

How Swipey powers modern professional teams

Swipey brings corporate card powers for modern professional services. Our virtual and physical card solutions are tailored for the unique needs of modern businesses:

Streamlined expense management

Swipey automates expense tracking and reporting, reducing time and errors, and freeing up your team to focus on core tasks.

Eliminate Claims and Reimbursements

Use Swipey's corporate Visa cards for direct payments, eliminating the need for teams to use personal funds and submit claims.

Better budget control

Swipey allows for setting expense budgets, blocking specific merchant categories, ATM withdrawals for specific teams, maintaining smooth cash flow

Higher efficiency and morale

Faster turnaround from sales to operations improves customer success and team satisfaction, contributing to overall business happiness.

Why Swipey?

Apply online

Instant virtual VISA cards

No minimum deposit

No minimum time since incorporation

Why Swipey?

1 Sign up and get corporate card numbers instantly issued

2 Provision virtual/physical cards to teams based on requirements

3 Customize card spend policies, limits and get automated expense tracking

4 Pay vendors, track receipts and reconcile expenses, all in one platform

How FoundingBird digitizes business administration from within, with Swipey

“Improved our customer success and experience as the turnaround time from sales to operations has now significantly reduced = efficiency = happy customer = happy Team = happy me"

Dylan (CEO & Founder)

Other resources

Read a blog on Swipey’s physical vs virtual card: which is right for your business? >

Read a blog on challenges faced by auditors in expense management system >

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.