Imagine a world where every business transaction instantly appears, ready for your review with a lot less paperwork. That's the power of real-time card transactions from Mastercard and Visa. We're transforming how employees, managers, and finance teams handle expenses – turning a tedious task into a seamless flow by leveraging the cards they already have and prefer.
Mastercard real-time card transaction is supported in the European Union, United Kingdom, Norway, Switzerland, and Canada. Visa real-time transaction support is currently functional in Sweden and the UK, with beta availability in Norway, Denmark, Finland, Netherlands, and Germany.
This isn't just about speed; it's about unparalleled simplicity, flexibility, and putting the user in charge. With the Findity expense management platform, users can connect the cards they already carry, and we handle the heavy lifting. No need to change payment habits or introduce new cards into the wallet.
Instant connection, effortless expenses
Connecting a Mastercard or Visa card is incredibly straightforward. A quick, secure process within the expense management platform, complete with 3DS verification, links users existing card in moments – no complex forms or waiting for approvals.
Once connected, a magical transformation happens:
For personal cards
- Transactions will appear in a dedicated list within the expense management platform.
- When ready to expense a purchase, users simply swipe or tap on the transaction
- Add the receipt, and your expense is done.
No more missed expenses, just a clear overview for users to take action on when convenient, directly from the card they used.
For company cards:
- Every purchase triggers a real-time push notification, automatically creating an expense in the platform.
- Just snap a photo of the receipt, and it's done.
- The finance team gets verified, accurate expense data from the moment the transaction occurs, offering unparalleled oversight and peace of mind.
This means no more forgotten expenses, dramatically reduced manual entry, and no more chasing down missing receipts. Just clear, verified expense data, appearing in the system as it happens. It's a truly paper-free and stress-free way to manage business expenses, built around businesses and employees existing financial tools.
Which cards unlock this power?
We've made sure this powerful functionality extends to a broad range of cards you already use:
- 💳 For Mastercard: This includes personal credit cards and all types of company cards – both credit and debit – for small businesses. (Please note: Personal debit cards are not supported via the Mastercard integration.)
- 💳 For Visa: We support all types of Visa cards – whether personal credit, personal debit, company credit, or company debit.
While this function provides instant updates for most transactions, there are a few rare instances where real-time notifications might not occur. This can happen if a specific card issuer isn't connected to, or has opted out from, the card scheme's real-time network. Other reasons might include transactions made at offline terminals that only process later, or cases where a payment goes directly through a bank's network instead of the Mastercard or Visa scheme. General processing delays or your individual notification settings could also be factors.
Enhanced data and privacy
At Findity, we understand that financial data is highly sensitive. That's why robust security and clear data ownership are at the core of our Real-Time Transactions feature:
- For personal cards: Personal transaction data belongs solely to the card holder, the employee. It is securely stored within the Findity expense management platform and is never shared with the company. Employees maintain complete control over what they choose to expense and share.
- For company cards: Transaction data from company credit and debit cards is owned by the company, ensuring they have the necessary oversight for financial management and compliance.
All data, regardless of card type, is handled with the utmost security, ensuring it is stored safely and accessible only to authorised individuals.
A seamless expense offering for Findity white label partners
For Findity white-label partners, this feature directly strengthens your expense offering. You can now provide customers with a powerful, real-time expense management solution that works seamlessly with their existing cards, all under your brand.
The Real-Time Transaction functionality is a core part of the complete embedded expense platform we offer as a white-label solution. When you partner with us, you can take a comprehensive expense product to market in no time, stay focused on your core business instead, and benefit from our expertise to truly elevate your customer's expense experience.
You'll deliver a complete suite of expense management features – from expense claims and mileage reporting to seamless accounting software integrations. This empowers your customers to ditch the manual expense grind, embrace efficiency, and focus on what truly matters for their business – all powered by your brand, and seamlessly working with their preferred cards.
