Paystand Spend Card

A better way to pay

  • Flexible virtual and physical card provisioning for your whole team
  • Comprehensive spend controls
  • An AP solution that complements Paystand's AR
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Say goodbye to manual expense management

Control and manage business expenses with flexibility and ease

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  monitor expenses


Business cards for your whole team

24/7 instant & flexible card provisioning, editing, freezing & canceling

Take control over your spend

Set custom spend control spend limits & auto-expiration dates on all cards

Monitor spend with greater visibility

Track transactions by category and department in real time and reconcile receipts in a single platform


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Efficient expense management


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Create Cards

Get 24/7 access to virtual and physical card creation. Set custom limits and auto-expiration dates so your employees' expenses and supplier payments are always in your control. 

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Control Spend

Prevent unauthorized charges and track transactions with their receipts, memos, and accounting categories all in one place. Say goodbye to employee reimbursements. 

Explore how Paystand Spend works

Speed and Flexibility

Real-time expense tracking

Track all card transactions automatically in a single platform by class and category. Employees can upload receipts with each transaction right from their dashboard. 

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Comprehensive Security

Touchless and secure

With Paystand Spend, you can create virtual and physical cards any time, anywhere.  You can assign cards internally for your company, or externally for your supplier payments.

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Experience Paystand Spend

Apply in less than 5 minutes

Apply for a Paystand Spend account within minutes that gives you tighter control over your team’s expenses.

Sign up and an account executive will be in touch!

Questions or need support? Submit a ticket

or give us a call 1-800-708-6413 



Am I eligible to apply?

Paystand Spend is available to corporations and other forms of non-individual liability companies. Paystand underwrites with Employer Identification Numbers (EINs), so consumers, sole proprietors, and other unregistered businesses are ineligible. Only companies organized and registered in the United States (such as C-corps, S-corps, LLCs, or LLPs) may apply for a Paystand Spend Card account.

Consumers, sole proprietors, unincorporated partnerships, and companies registered outside the United States are not permitted to use, or attempt to open or use, a Spend Card account. There are also some prohibited activities and businesses that Paystand cannot support, see our Terms of Service. 

What are the payment terms?

Your Paystand Spend Account comes with pre-funded limit by Paystand when you are approved, and you pay back this limit on a daily basis from the bank account you link when you apply.

How do I pay my card balance?

You can either pre-pay your Paystand account via wire or get access to a pre-funded spend limit that Paystand advances. If you opt in for a pre-funded spend limit, Paystand initiates a daily ACH pull on your business’s bank account to recuperate what you spent with the cards within a 24 hour time frame.  The payment typically settles within 4-6 business days, at which point your account’s available balance will be restored.

How do you connect my business bank account?

You will link your business bank account when you apply. 

Will applying affect my personal credit score?

No. Applying for Paystand Spend, whether your application is approved or rejected, will never affect your personal or business credit score.

How do you determine my spend limit?

Paystand determines your business account spend limit based on your spend needs and bank account balance. We may increase your spend limit as you consistently pay your cards. 

How do you deal with unauthorized charges?

If you suspect any unauthorized charges, you can dispute charges here. Our team will investigate and attempt to resolve within 10 business days of notice, with the option to extend this period to up to 45 days from receipt of notice with provisional credit.

View our terms and conditions.

What kind of card is Paystand's Spend Card?
Spend Cards are business debit Visa cards issued by Lewis and Clark Bank.