Announcement
On August 27, 2026, in Bengaluru, India, CARD91, a payments infrastructure provider, announced the launch of SpendFlow, a commercial card and enterprise spend‑management platform designed for issuer banks that serve businesses, small‑ and medium‑size enterprises, large corporates and institutional clients. The press release emphasizes that traditional retail‑oriented card systems create functional gaps for commercial programs, and SpendFlow is purpose‑built to address organisational hierarchies, differentiated credit arrangements, approval structures, spend policies, supplier payments, consolidated billing and enterprise financial workflows.
Platform Capabilities
SpendFlow is structured around a seven‑layer program configuration that allows banks to set fees, credit behaviour, interest rates, limits, controls and product parameters at multiple levels while preserving centrally governed rules. The platform supports enterprise hierarchy management, enabling parent‑company, subsidiary, cost‑centre and master‑child account structures with both consolidated and entity‑level visibility. Virtual cards can be issued and linked to corporate entities, employees, accounts or credit facilities, with spend controls applied across corporate, employee and card‑account levels. Multi‑tier approval workflows and virtual‑card‑enabled supplier payment capabilities extend the use of commercial cards beyond employee expenses to broader business payments. Integrated credit, billing and accounting modules manage credit facilities, statements, interest, payment allocation and accounting activity throughout the card lifecycle. Finally, the solution offers connectivity to issuer core banking systems and corporate ERP environments, ensuring seamless integration with existing banking and enterprise financial workflows.
AI Agentic Payments
CARD91 disclosed that it is developing an "Agentic Payments" capability on SpendFlow, where artificial‑intelligence agents can autonomously initiate and manage supplier and invoice payments within predefined controls. This feature is intended to combine automation with transparency and trust, allowing businesses to adopt AI‑led payment workflows while maintaining oversight over execution timing and parameters.
About CARD91
CARD91 provides payments and onboarding risk infrastructure that enables regulated entities to launch and scale customer programmes. Its technology supports digital onboarding, fraud and risk decisioning, card issuance across credit, prepaid and forex programmes, and UPI infrastructure for both issuance and acquiring. The company operates from key financial hubs including Mumbai, Bengaluru, Delhi and Chennai and positions itself as a maker‑by‑bankers and technologists, proudly made in India.