Empower field teams, operations, and procurement with company cards that automatically follow budgets, layered approvals, and company policies.
Give your operational teams the freedom they need while keeping every expense transparent and on budget.
Set card limits and active periods to ensure every transaction follows company rules.
Transactions that exceed limits or violate policies will automatically wait for approval based on your organizational structure.
Monitor transactions by card, team, or project instantly without manual processes or time-consuming reconciliation.
All card transactions are recorded and synced directly to expense reports, reducing human error and improving financial accuracy.
Easier and more controlled spending for finance teams, HR, and employees.
Can be used for store purchases, logistics, events, transportation, and daily operational needs without extra steps.
Complete audit trails, strict spending limits, and lock/unlock features help prevent unauthorized transactions.
Field teams can make purchases immediately without waiting for petty cash.
Finance can monitor transactions instantly without waiting for reports, reconciliation, or receipt collection.
No more manual input, chasing receipts, or complex reconciliation, making finance teams can focus on analysis.
All transactions are automatically recorded in Mekari Expense and ready to sync with the Mekari ecosystem, reducing manual work and accelerating book closing.
Log in to Mekari Expense → open the Card menu → select Physical Card → click Request physical card. Fill in the card name, purpose, cardholder, budget account, and spending limit.
Accept the terms and conditions → status updates to Processing & Handling. Send required documents via email: ID card (KTP) and tax number (NPWP).
The process takes 3–5 business days. MNC Bank issues the card number and sends a dummy PIN via SMS. The physical card is delivered to your address with a tracking link.
Change the dummy PIN via ATM or IVR to activate the card.
Once activated, you can monitor card details, outstanding balance, and transaction history. Submit top-ups (processed at 09:00 and 14:00 on business days) or request a limit increase when needed.
Our clients utilize virtual and physical cards to manage all business expenses.
"With Mekari Expense, the fulfillment of our business trip transactions and reimbursements is greatly helped. The status of every submission is truly monitored, the reference is clear, and there is an edit history."
"Sekarang proses pengajuan biaya jadi lebih cepat, bahkan bisa malam jam 10 tanpa harus nunggu besok. Paperless juga, jadi semua langsung terekam dan mengurangi kesalahan Kami dapat waktu lebih karena urusan operasional makin rapi. Waktu ini yang kami pakai untuk strategi dan pengembangan bisnis"
"Mekari Expense menyederhanakan pencatatan pengeluaran, memusatkan data untuk pelaporan, dan meningkatkan transparansi. Persetujuan via ponsel praktis, antarmuka web ramah pengguna, sehingga efisiensi operasional dan kepuasan karyawan meningkat."
The Mekari Expense corporate physical card is a company-issued card used for operational expenses such as in-store purchases, logistics, transportation, or field needs. Each card is connected to Mekari Expense so limits, policies, and transactions can be monitored in real time.
The physical card can be used for offline transactions, physical merchants, and digital payments. Meanwhile, the virtual card is used specifically for online or digital transactions. Both follow the same limits, approvals, and policies in Mekari Expense.
Yes. Every transaction is automatically captured and appears on the dashboard, including merchant details, amount, and timestamp.
Yes. Companies can issue multiple physical cards and assign them to specific teams, projects, or branches to simplify cost control and budget tracking.
Yes. The physical card can be used at any merchant that accepts cards supported by the Visa network.
Give your team purchasing access without compromising visibility, budget discipline, or company security.
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