đź”” [Webinar] Smarter Multichannel Marketing with Swipey x INVOKE | 13th Jun, 1 PM

Expense Management Built for Retail & E-commerce Operators

Manage supplier payments to logistics fees. Swipey equips retail & 
e-commerce brands with total spend visibility and control.

Book a Demo
Read case study

Trusted by +4,000 Malaysian businesses

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

Antler
BFM
Biji Biji Initiative
Maxis
Creador
Baskin Robbins
durioo
Easybook
microleap
OYO
Pandai
REAL Education Group
Broadgate Advisers
TGV Cinemas
Time
Vircle
Zus Coffee

Challenges for retail & e-commerce

  • Manual expense tracking and reconciliation of inventory expenses, logistics costs, operational expenses can take up significant time and are prone to errors, diverting focus from core business activities like sales and customer engagement.
  • Dealing with a high volume of receipts and invoices. Misplaced or disorganized receipts can lead to inaccurate expense reporting, missed payments, having to pay penalties and missed tax deductions.
  • Slow approval processes for expenses and claim reimbursements can delay inventory purchases and marketing campaigns, impacting sales and employee morale.
  • Inconsistent expense tracking can lead to compliance issues, audits, fines, and a higher risk of fraudulent claims, which can significantly affect the business’s financial health.
  • Without real-time tracking, managing budgets and making informed financial decisions quickly is challenging, crucial for maintaining profitability in a fast-paced retail environment.

How Swipey enhances e-commerce operations

Swipey streamlines financial management by consolidating statements, simplifying transactions, and improving transparency, making it easier for companies to manage expenses efficiently.

Easier reconciliation

No more manual data entry needed. With data readily available, reconciling statements becomes a breeze, allowing you to close your books in a fraction of the time.

Faster processing

Eliminate claims and reimbursements with Swipey Cards, preventing delays in marketing campaigns and inventory restocking, thereby maintaining sales momentum.

Save time & fees

Easily manage incoming invoices. Approve & schedule supplier and vendor payments local and abroad, everyone gets paid auto-magically at the right time, every time.

Real Time Financial Insights

Gain instant visibility into all expenses with real-time dashboards, helping manage budgets effectively, optimize inventory purchases, and make quick, informed financial decisions.

Stay Compliant

Ensure compliance with regulators, reducing the risk of audits and fines, and minimizing the potential for fraudulent expense claims.

Why Swipey?

Apply online

Instant virtual VISA cards

No minimum deposit

No minimum time since incorporation

Why Swipey?

1

Issue virtual or physical Swipey cards to operations staff

2

Customize spend permissions, categories and receipts per card

3

Use cards for payments, track receipts in mobile app

4

Review consolidated expenses in one secure all-in-one platform

Register Now

How PetChef is elevating its business with modern optimization

“Swipey has definitely simplified my role as Head of Operations. Using Swipey significantly speeds up transaction processing and makes managing finances more manageable”.

Kieran Ong (Head of Operations)

Read Case Study

Other resources

https://swipey.co/blogs/top-5-ways-to-use-virtual-cards-for-businesses/

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.

Book a demo