Manual administration
Slow approval processes
Stop making small
expenses a big deal
Pay business expenses with your Credit Card — even when suppliers don’t accept cards. Pay4You handles the payment, while Finance stays in control.
The problem
Where your
team loses time
Everyday frustrations
Corporate credit card (CFO/Management) shared across the the organization
Co-workers unwilling or unable to pay upfront
Cash advances difficult to manage
Questions about payment status
Last minute payment requests
Finance chasing receipts and invoices
Hidden risks for Finance
Fraud and policy violations
Duplicate or fraudulent invoices
Budget overruns without visibility
Finally. One way to manage operational expenses
The Solution
Full control
Everything pre-approved, with real-time visibility
Always able to pay
Employees pay directly, with no out-of-pocket expenses.
The right payment method. Every time
Card where possible, invoice where needed
Here’s how it works.
-
Budget Request
Employee submits a budget request with the required cost allocation (e.g. cost center, project code, GL.).
-
Approval
Manager and/or Finance approves the request
-
Virtual card / Invoice payments
Two ways to pay — the right method, every time.
Virtual card
For purchases where speed and flexibility are needed. Virtual card is created instantly and ready to use.
Virtual Card availability depends on your corporate card provider
Invoice payments
For suppliers that don’t accept cards. Pay4You pays the supplier by bank transfer and charges the amount to your credit card. Standard supplier screening (AML/KYC) applies
-
Processing
The receipt or invoice uploaded and processed automatically
-
Payment
One consolidated invoice statement with all transaction details. Suppliers are paid on time.
-
Overview
Real-time dashboard, consolidated reporting and audit trail
Finance loves us.
Here’s why:
More control, no surprises
Automated approval workflows
Pre-set spending limits
Suppliers paid on time
No more chasing approvals
Less risks, more compliance
Built-in compliance checks
Helps prevent duplicate payments
Helps prevent unauthorised spending
Full audit trail
Less admin, more control
No one-time supplier set up
One supplier, one invoice, one overview
Automatic coding
Fewer questions from employees and suppliers
Choose your plan
Feature
Card4You
Start with Virtual Cards
Pay4Anything
Card & Invoice payments
Scale4You
Automate and scale
Overview
Best for
Start with Virtual Cards
Control operational spend
Automate and scale
Monthly fee
€99
€299
At request
Use case
Card payments
Card & Invoice Payments
Enterprise automation
Card payments
Unlimited
Unlimited
Unlimited
Virtual Card (Virtual Card availability depends on your corporate card provider)
Supplier Invoice payments
Invoice payments per month
Unlimited number of invoice payments; transaction fees apply*
Unlimited number of invoice payments; transaction fees apply*
Supplier screening (KYB / AML)
Approval Workflows
Reporting & Insights
Tailored solution (on request)
Working Capital Optimization (depending on your bank)
Payments
Virtual card generation
Invoice payments
Working Capital (depending on your bank and card agreement)
Spend control
Budget requests
Multi-level approval workflows
Configurable spending limits
Customized restrictions
Approval audit trail
Visibility
Dashboard
Data export (multiple formats)
KYB/AML checks
Audit trail
Enterprise
Single sign-on
ERP integration (automated)
*Invoice payment transaction fee: 3.5% of invoice value (minimum € 12,50)