What is Visa Spend Clarity for Business?
Visa Spend Clarity helps simplify business expense management. It's an easy-to-use platform that lets you oversee employee spending, issue virtual cards and track every transaction from one central hub.
Using the desktop or mobile app, your business administrator can:
- Set spend controls and custom transaction limits
- Create unlimited virtual credit cards for online purchases
- Track expenses and add receipts for easier bookkeeping
Controls
Administration
Assign a business administrator to manage access, settings and approvals on demand.
- Apply card-level spend controls and transaction limits
- Manage virtual card requests and approvals
- Oversee settings for physical and virtual cardholders
Virtual cards
Generate secure virtual card numbers at your convenience for one-time or recurring online purchases.
- Issue unlimited virtual cards at no extra cost
- Configure spend limits, category restrictions and expiry dates for each virtual card
- Tie purchases to a specific project, employee or merchant
Spend controls
Choose where, when and how cards can be used, lowering the risk of fraud and misuse.
- Establish limits by amount or time period to reduce the risk of overspending
- Restrict spending by merchant category, location, or even time of day
- Adjust settings quickly when priorities change
Reporting
Expense management
Categorize transactions and attach notes and receipts for easier tracking.
- Define custom categories that match your accounting records
- Digitize receipts and link them to transactions for record-keeping on the go
- Add helpful notes and attachments to support reconciliation
Visibility and insights
Review expenses at the account, card and transaction level to bring your business into focus.
- Standardize reporting by category, merchant, market segment, geography and cardholder
- Use historical data to spot trends and outliers
- Export data for sharing and deeper analysis
Alerts
Get proactive alerts when rules are triggered or limits are reached.
- Receive near real-time email or SMS notifications so you can react to issues fasterⓘ
- Set up custom triggers for scenarios like international or high-amount purchases, as well as declined transactions
- Adjust spend limits as needed in response to alerts
Accounting
Transaction download
Easily pull transaction data to gain better insight into your company's spending patterns.
- Export comprehensive transaction details for reporting and accounting
- Share data internally and spend less time on paperwork
- Reconcile supplier payments faster
Accounting integrations
Download, categorize and sync transaction data with your preferred accounting software.
- Seamlessly connect to tools like QuickBooks Online, Sage, Xero, FreshBooks and more
- Save time on manual data entry and rework
- Keep your bookkeeping categories consistent across the board Open the full list of supported accounting and expense software.
Receipts and notes
Attach digital receipts and add relevant details to each transaction.
- Keep all your spend records stored in one place
- Support audit and review while capturing actionable spending insights
- Strengthen policy compliance and transparency
Get the Visa Spend Clarity app for iOS and Android
Visa Spend Clarity for Business Getting Started Guide (PDF, 690 KB) Opens a new window.
FAQ: Visa Spend Clarity for Business (PDF, 65 KB) Opens a new window.
How to access your Business Plus Visa credit card transaction history online
Business or personal liability: What to consider when choosing a business credit card
Frequently asked questions
Contact us
I have questions about Visa Spend Clarity for my Business Plus card
I want to apply for a CIBC Business Plus card