
corporate cards
Expenses simplified
Corporate credit cards with built-in expense management in the same platform.
Optimise your cashflow with a quick-approval credit limit and a 44 day interest free period.*
Save up to 3% on international purchases with bank-beating FX rates.
Issue every employee with a corporate card and process all card expenses in Paytron.
*Subject to credit card approval.
Follow an automatic prompt for receipt capture via our mobile app. Add notes to expenses or upload additional supporting info.
Apply categorisations to expenses in your accounting package or create your own custom expense categories.
Simplify the application of the correct tax treatment (GST).
Make sense of your spend with automatic merchant identification.
Never worry about employees going over budget again or having deductions made from unapproved vendors.
Minimise the risk of fraud and organise all your business expenses for seamless tracking. No more card sharing or tracking down payment reasons.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Our frequently asked questions about Paytron corporate credit cards.
Paytron's standard monthly pricing per user applies to cardholders
Lite plan - 1 user included, $9 / additional user
Growth plan - 5 users included, $7 / additional user
Custom plans - Custom pricing negotiable
Note: This is not an additional fee for cardholders on top of the monthly pricing per user.
Interest on company credit
Here's a summary of the flow of information between Paytron corporate cards and Xero's accounting software:
1. Connect your account to Xero.
2. When are card transactions pushed to Xero?
Card transactions sync to Xero when an expense is closed. To close an expense, you must first provide an expense category for it (a tax invoice and any tracking categories you use are recommended), then click "Submit to Xero".
3. How do I categorise card expenses in Xero?
Assigning expenses to a Xero account code can be done in a number of ways.
4. How do I use Xero's tracking categories with card expenses?
Any Xero tracking categories you've configured in your account will function just like the categorisation in section 3. They'll automatically be pulled into the single-transaction view and the all-expenses view, and they're editable in the exact same way as the account code.
Get a preview of what credit limit your business will likely be allocated when using the Paytron cards product.
To get access to the base $5k AUD credit limit, your business needs to be:
Note: If your business is less than two years old, we may still be able to service you.
What if I want to increase my credit limit?
Paytron supports credit limits up to $50k AUD for eligible businesses. Increasing your credit limit above the initial $5k AUD level will require that you pass on financial documentation verified by your accountant. The documentation required is:
2 years of full financial statements verified by your accountant:
Additional information you can provide that may speed up your application:
The total fees you will pay depend on what situation occurs at the end of the interest free period.
There are three possibilities:
Credit terms are determined on the company level, so individual persons are not held liable for the company credit amount.
Similarly, individual person's credit scores will not be affected by the credit review process.
Paytron cards have all the protections of the Mastercard network, including Zero Liability Protection and 3D Secure.
All of Paytron's corporate cards fall under Mastercard's Zero Liability Protection program.
Have peace of mind knowing that the financial institution that issued your Mastercard won't hold you responsible for “unauthorised transactions.” As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions
To be issued a Paytron corporate credit card, users first need to have their identity digitally verified through a process run by either Mastercard ID (for Australian users) or Onfido (for all other nationalities). These mobile experience match digital facial scans against a photographic ID document to ensure that cards aren't issued to fraudulent actors impersonating other users.
All Paytron cards have Mastercard Identity Check built-in, meaning that ID is confirmed for purchases using 3D Secure.
Along with 3D Secure, key security risks like logging in and viewing card details on the mobile app are two-factor authenticated with text messages.
If you suspect there has been a fraudulent or unauthorised transaction on your Paytron card. Please ensure to lock your card immediately in the Paytron mobile app or web app while we investigate your dispute.
A Paytron specialist can help you investigate your dispute.
*MYR, IDR, PHP and INR are payout accounts only.
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PTRN Pty Ltd, trading as Paytron, is regulated in Australia by ASIC under an Australian Financial Services License (AFSL No. 527320). Any information provided on this website is for general information purposes only and does not take into account your objectives, financial situation or needs. You should consider the appropriateness of the information in light of your own objectives, financial situation or needs.