Q-Card Features

Virtual Cards for Secure and Flexible B2B Spending

Empowering expense management with customizable authorization and reconciliation processes, offering virtual card options tailored to meet diverse business needs, such as single-use, multi-use, or country-specific restrictions.

Secure_and_Flexible_Business_Spending

Flexible Approval Phases

Supporting various approval lifecycle options, depending on the expense type and expense amount, managerial approval could be required. However, auto-approval limits can allow a user to use the Q-Card immediately and managers can review purchases and purchase receipts once transactions are finalized.

Secure Virtual Credit Cards

Q-Card Virtual Cards function like a traditional Mastercard with 3D Secure verification and transaction tracking. They can be configured for single use or multiple uses with many individual transaction rules for improved corporate spending with the ease of automatic closure upon reaching a predefined threshold.

Accounting and Compliance

Q-Card transactions are automatically captured and categorized within the expense management application. Accounting teams can review and validate all corporate expenses, VAT data, and receipts. Transactions can be exported to any ERP or Financial system via API or EDI for seamless integration with your accounting workflows.

Reduce supplier onboarding activities and pay with Q-Card

Recurring Expense Management Software with Bank Transfer Options

Recurring transaction requests can be set up to streamline repetitive expense approvals. The requestor defines the recurring cycles and the Q-Card App will align the spent prediction to avoid misleading forecasting. The app also supports direct bank transfers for specific expenses, following similar approval workflows. The requestor simply needs to upload the invoice and based on the approval set up, the manager can approve the invoice which is exported to the Accounts Payable team.

Mobile-Ready real-time spend tracking App

With Q-Card, you can allow your workforce to pay and track expenses with their phones in a secure online way. Users can create expense requests, review existing Q-Cards, and pay with a virtual credit card while using the digital wallets of their phones. After paying with the digital wallet, they can immediately upload their payment receipt using the phone camera. This is secured by using enhanced state-of-the-art fraud prevention tools in the background. Simultaneously, approvers can review, approve or decline purchase requests, or comment on open expense requests. All in open app!

Mobile_Ready_Expense_Tracking

Virtual Card for Secure Business Spending

With the help of security protocols, such as 3D Secure authentication, we ensure the validity of the virtual card transactions and verify the cardholder's identity. Whilst using this technology, the credit card issuer, the merchant's bank, and the payment platform are verified during each transaction to ensure a secure online purchase.

Virtual Card for Secure Business Spending

Mobile receipt capture for expenses and add VAT data

We encourage the user to directly add the payment receipt to each recorded transaction. This can be done easily by uploading a picture from the phone into the mobile app or by attaching a file to the transaction in the desktop browser. Users can also add a predefined VAT categorization, containing the accounting codes, the country code and the VAT rate.
Mobile receipt capture for expenses and add VAT data

Q-Card App for Accounting Teams

There is an easy way for accounting teams to review expenses. Only these users are allowed to review final transactions and mark them as done. If not done yet, they can also add information, e.g. accounting codes to the receipt line to mark the transaction as done.
Q-Card App for Accounting Teams

Transaction Tracking and ERP Integration

Based on company settings, we can export the final invoice lines to the ERP system. This can be done via API or EDI integration, all in real-time or in batches. Additionally, analytic tools are available to track the spend KPI to gain more visibility and control.

Transaction Tracking and ERP Integration

Still wrestling with manual expense reports?

Discover a smarter way with Q-Card Virtual Cards. Take control of your long-tail spend and empower your employees to explore the world of corporate virtual payment cards.

Our esteemed customers

This is what industry peers have to say

“By adding Q-Card to our digital agenda, Heijmans is extending its P2P processes, improving upfront visibility and control for a wide range of indirect spend categories throughout multiple departments. Another key goal is to leverage efficiency gains by reducing the current ERP vendor base consisting of a large variety of C-suppliers for small or infrequent purchases."


Job Verkerke
Chief Procurement Officer

More on Heijmans
Q-Card_Heijmans_Quote
“The trend of online B2B spend will increase in the Netherlands, as elsewhere in the world. For many companies, this is now 10% or more of the spend volume, which is why this solution fits in perfectly with the digital transformation strategy for procure-to-pay processes.”
Rob_van_Ipenburg
Rob van Ipenburg
Managing Partner, Quyntess
“We are extremely happy to enter into this partnership with Quyntess. In addition to the many users in e-commerce, together with Quyntess, we are expanding our Issuing portfolio in various branches, such as the manufacturing industry and logistics sectors.”
Thom_Ruiter
Thom Ruiter
VP Banking & Financial Products, Adyen
“As with many large corporates, we withness a large variety of small indirect and direct purchases in different parts of the organisation. We are happy to kick-off this project together with Q-Card and modernize our tail procurement with such an intuitive and flexible solution.”
Job_Verkerke
Job Verkerke
Chief Procurement Officer, Heijmans

FAQ

What does the Q-Card App do?

The Q-Card App supports users to make requests for all B2B online purchases and allows to pay for them with one-time released virtual credit card after the approval limits you have set in advance.

Where can I use the virtual Q-Cards?

Q-Card supports card issuing for virtual VISA cards and Mastercards that are accepted worldwide by all major online payment systems. With Q-Card's extensive worldwide coverage, you can also pay in any currency.

Does Q-Card integrate with accounting and ERP systems?

Yes, Q-Card uses EDI or API integration to easily connect with accounting and ERP systems. Accurate, effective, and real-time cross-platform financial management is made possible by this integration, which facilitates seamless data synchronization and automatic payment reconciliation.

What are the advantages of Q-Card for managing travel expenses?

Q-Card provides several advantages for controlling travel expenses, such as:

  1. Cards that are pre-funded with specific travel expenses
  2. Increased security in contrary to actual cards
  3. Monitoring and reporting expenses in real time
  4. Increased awareness and control over travel expenditures
Can I use my Q-Card in different currencies?

Yes, you can use the Q-Card in different currencies as well. The payment will be issued in Euro and conversion of the currencies is done by Adyen.

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Article 10 Minutes of reading

CPO Strategy - Issue 41

Heijmans & Q-Card: Constructing Procurement

Heijmans developed an influential relationship with the Q-Card App at the beginning of 2023. The firm opted for Q-Card's virtual cards to bring their spend under management. By adding Q-Card to its 2023 digital agenda, Heijmans is extending its P2P process, improving upfront visibility and cost control for a wide range of indirect spend categories throughout multiple departments. 

Read full article

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