Managing expense claims is a real burden for companies. According to a study by the Global Business Travel Association (GBTA), it takes an average of 20 minutes to process an expense claim, and each error adds 18 minutes to this time. Streamlining and automating the expense claim process is therefore a strategic challenge for companies.

According to the Expensya barometer for 2024, the amount spent by French employees increased by 8.57% in value terms in 2023 (+5% in volume terms) to reach an average of 2,525 euros per employee over the year 2023. And using dedicated business expense cards to pay expense claims is the most effective of several options. These cards facilitate both the financial management and the tracking of employee spending. They enable the company to take full control of expenses by setting limits, reducing time-consuming administrative procedures associated with expense reimbursements and simplifying expense accounting. Business expense cards contribute to more efficient and secure financial management within the company.

Treezor offers you innovative physical and virtual business expense cards, easily adaptable and tailored to the needs of companies and their employees.

Business expenses: regulations in France

According to URSSAF, professional expenses refer to expenses incurred by an employee in the course of his or her professional activity. These expenses, advanced by the employee, are borne by the company, which is obliged to reimburse them. It is important to note that these expenses must be justified and strictly linked to the professional activity.

Reimbursement can be made in two ways: on a flat-rate basis or on the basis of actual expenses.

This means of payment, subscribed to by the company and made available to its managers and employees, offers the possibility of paying business expenses without advancing funds. The business card is particularly useful for business trips, whether domestic or international. With the business card, employees can make independent payments to cover expenses incurred in the course of their work. Business expenses paid by this means generally include meals, hotel accommodation, train or plane tickets, car rental, fuel (if the company does not have “Essence” fuel cards) and tolls.

Business cards: features and operation

Business cards can be prepaid, debit or credit.

Prepaid card

It is funded, often at the beginning of the month, by the company. It helps limit spending by avoiding overdrafts, although it can be topped up according to the user’s actual needs. This card allows you to set a spending limit in advance, and does not offer overdraft authorization.

Debit card

Immediate debit: Expenses are debited directly from the company’s account as transactions are made.

Credit card

Deferred debit: Payments are accumulated and debited in full at the end of the contractually defined period (usually monthly),

The business card can take physical and/or virtual form.

The virtual payment card

It’s a secure, dematerialized solution for paying for online purchases and facilitating business travel. This card can be the twin of the physical card or a unique, 100%-digitized card by being tokenized in a wallet like Apple Pay or Google Pay.

The single-use virtual payment card

A complementary product often appreciated by companies and travel agencies, it provides additional security by issuing a single-use card for each payment or subscription, thus reducing the risk of fraud.

Why opt for a business card?

The business card offers a series of significant advantages for companies and their employees.

To prevent abuse and personal use, companies can adjust the business card’s settings according to their internal policies.

It allows closer control over business expenses and contributes to more efficient management of company finances. Moreover, the business card simplifies expense management by eliminating the need for employees to advance expenses, reducing human resources administrative tasks and enabling the company to better supervise data relating to business expenses.

Why choose Treezor to issue a business card?

Innovative technological solutions

Treezor places security at the heart of its priorities, and provides its customers with a robust infrastructure and advanced technical capabilities to better manage card use.

Treezor thus meets the complex needs of business expense management. In addition to its ability to issue physical and virtual cards (and single-use virtual cards), Treezor’s API adapts perfectly to the company’s business needs.

Advanced business card settings

Treezor places security at the heart of its priorities, and offers technical solutions to control card use, including the ability to set thresholds and limits for each card or group of cards.

In addition to the classic features (contactless payment, payment by code, real-time expense tracking, etc.), Treezor’s card management system (Multi-criteria Dynamic Card) enables you to limit spending by employee or function, by setting differentiated spending limits per card, authorizing certain geographical areas on request, determining days and hours of use per card, or restricting the list of authorized retailers.
Treezor’s rules engine also enables the integration of external data sources, enriching the decision-making process. As a result, companies can not only customize their business rules, but also optimize their choices by integrating relevant external data.

In collaboration with its partners, Treezor offers innovative printing and card personalization options to enhance the differentiation of your design and make it true to your brand image.

See the most innovative features of our business cards below:

                  Features Business cards issued by Treezor
Rules engine Card payment authorization based on predefined parameters ✔️
Card design Customized card design and co-branding ✔️
Card security PIN and SCA codes ✔️
Blocking of withdrawals ✔️
Temporary blocking of the card ✔️
Cancelation of the card ✔️
Real-time transaction notifications ✔️
Expense management Access to real-time balances ✔️
Setting of limits and ceilings ✔️
Personalized spending limits ✔️
Whitelisting of retailers or categories of retailers ✔️
Blacklisting of retailers or categories of retailers ✔️
Virtual card Virtual card ✔️
Single-use virtual card ✔️
X-Pay Apple Pay and Google Pay ✔️
Dispute management Chargeback management ✔️

Other use cases


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Employee benefits

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Regulated Institutions

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