Small businesses and their employees rely on agility. They make quick decisions and need their credit card program management platform to be as fast as they are. 

SpendTrack provides your financial institution the ability to offer a nimble, market leading credit card management platform to your small-business and commercial clients.

Loaded with robust functionality such as  onboarding, card management, AI-enabled expense management, virtual cards, reporting & analytics, and authorization work-flows, SpendTrack empowers all roles within in a company - business owners, managers and employees - to streamline card management processes from end-to-end, through an intuitive mobile and online experience.

A powerful credit card program management platform.

SpendTrack empowers:

Employees of a small business to make payments, view transactions, request a card and submit expense reports.

Small-business owners and managers to view employee accounts, open new accounts, manage credit lines, view and approve expense reports and create management reports.

Solidify your position as a digitally innovative payments provider.

SpendTrack is a value-added tool for your business accounts that provides many benefits to your financial institution:

Improves relationships 
with key small business and commercial clients


Enhances financial performance
and return on assets


Delivers higher interchange
relative to consumer card products


Improves client retention through
increased value-added offerings


Improves competitive position
as a digitally innovative payments provider


Increases portfolio growth


SpendTrack propels businesses to stay on track with their card programs.

  • Promotes higher employee engagement with easy-to-use expense tools

  • Enables quicker expense approvals via organized workflows

  • Drives better business decisions with insights into spend trends, merchant spend and credit line usage

  • Controls spend with tools for financial controls and audit documentation

  • Reduces overhead with cardholder self-service tools

Simple-to-use features for business accounts that fuel the growth of your card program.

Card Management

  • Physical and virtual card issuance 
  • Use real-time card controls (spend limits, per transaction limits, MCC restrictions)
  • View transactions and authorizations
  • Update account information
  • Set alerts
  • Make payments

AI-Enabled Expense Management

  • Cardholder expense entry
  • General ledger allocation of expenses
  • Receipt imaging
  • Manager approval workflow
  • Card data auto-population
  • Pre-transaction reconciliation
  • Advanced workflows – set automatic approval workflows based on expense report amount and customize expense policy rules


  • Spend analysis – by category, departments, or individual transactions
  • Dashboards
  • Standard/custom reports
  • Drill-down reports
  • Issuer reporting
  • Budgeting

Have a question for us?

For more information about Card Solutions, please fill out the form below, call us at 800-872-7882 or contact your Card Solutions Account Executive if you are a Fiserv client.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.