- Intellect
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eMACH.ai
Corporate Cards
Modern Engine for Corporate Cards Issuance and Control
Streamline corporate card programs with smarter control and automation, purpose built to power complex corporate hierarchies at scale
Case study
Built for Enterprise Spend Governance
Real-Time, Not Batch
Trusted by banks and enterprises to manage high-volume corporate spend with precision, compliance, and operational efficiency.
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PBCs – Packaged Business Capabilities
26
Microservices
74
APIs
64
Events
The Credit Card Landscape in India is Being Reshaped
Design your onboarding to win
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Banks and issuers face frictions across the onboarding funnel
We tackle the top 5
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Corporate Spend Demands Control, Visibility and Accountability
Granular Spend Control
Instant view of balances, positions, and movements across accounts and entities.
Real-Time Visibility & Governance
Monitor transactions instantly with dashboards, alerts, and audit-ready trails.
Seamless Expense & ERP Integration
Automate reconciliation by integrating directly with expense management and accounting systems.
Policy-Driven Compliance
Enforce corporate policies automatically to reduce misuse and strengthen governance.
Build High-Performance Corporate Programs with an Intelligent Cards Management System (CMS) Solution
Our solution covers the full lifecycle of corporate cards—from company onboarding and underwriting to employee issuance, spend management and multilevel billing
eMACH.ai Corporate Cards is an enterprise-grade solution designed to issue, manage and control corporate, commercial and SME card programs with end-to-end visibility and governance.
Built for B2B and enterprise use cases, it supports the complete card lifecycle—from program configuration and issuance to transaction monitoring, expense integration and reporting—on a secure, scalable architecture.
With real-time authorization, configurable policy engines and deep integration capabilities, eMACH.ai Corporate Cards enables banks to offer differentiated corporate card programs while empowering enterprises to manage spend with confidence.
By unifying card processing, controls, and analytics, the solution reduces operational overhead, improves compliance and delivers transparency across corporate spend.
Enterprises are adopting smarter, policy-led, real-time payment ecosystems, yet legacy systems strain under the complexity of modern corporate needs. eMACH.ai Corporate Cards is built natively for the enterprise—not retrofitted from retail structures.
By unifying company underwriting, fungible credit frameworks and multi-level governance, we empower issuers to deliver a frictionless experience for corporates, SMEs and government entities while maintaining granular oversight and real-time visibility into every spend.
For Issuers
- Complete oversight
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Segregation of financials
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API-driven orchestration
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For Corporates
- Real-time visibility into spend
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Department-wise controls
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Frictionless employee onboarding
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Centralized management
For Operations
- Dynamic limit assignment
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Fungible credit pools
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Centralized billing and payment
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KCP-driven servicing workflows
Build, Deploy and Scale Corporate Cards
Support for Corporate Cards full lifecycle using eMACH.ai composable and contextual architecture
1. Comprehensive Product Coverage
- Supports a diverse portfolio of corporate card variations
- Commercial Cards
- Charge Cards
- Corporate Cards
- SME Cards
- Travel & Expense Cards
Business Impact
Scalable Growth. Banks can enhance cross-selling opportunities by easily launching new card products, leading to a 15% increase in product uptake across their commercial client base
2. Company Digital Origination and Underwriting
- Digitizes the entire company onboarding process with rule-based evaluations and automated business financial assessments
- Support for company documents upload, tax id validations and business financials analysis
Business Impact
Accelerates Time to Revenue – Onboarding that previously took weeks is reduced to days or hours, significantly improving customer satisfaction and allowing banks to activate new corporate portfolios faster
3. KCP-Powered Corporate Management
- Empowers Key Control Persons (KCPs) with specialized dashboards for employee 360 views, digital service requests and self-service onboarding flows
Business Impact
Reduces support costs by shifting administrative control to the corporate client (KCP), lowering call center volume while providing greater, real-time autonomy
4. True-Tree Account Hierarchy
- Enables complex corporate structures with granular control through a Company -> Connection -> Account -> Card Structure
- Allows for multi-level governance across subsidiaries and departments
- Multi-entity support
- Hierarchical relationships
Business Impact
Eliminates manual complexity by enabling issuers to manage thousands of employees across diverse corporate entities within a single, unified view, reducing administrative overhead for both the bank and the client
5. Fungible Credit Frameworks
- Supports shared credit pools that dynamically allocate limits across various departments or connections rather than rigid, card-level assignments
- Centrally managed at company or connection level
- Real-time limit adjustments
- Credit pool management
Business Impact
Maximizes capital efficiency by enabling corporates to shift credit to high-need departments in real time without requesting new limits from the bank, resulting in up to a 25% uplift in transaction spend volume
6. Employee Issuance & Activation
- Streamlines mass issuance and activation through digital links, supporting both personalized and non-personalized (bulk) card kits
- Bulk issuance capabilities
- Self-service activation
Business Impact
Drives operational excellence by automating issuance, eliminating manual intervention and delivering a documented 40% reduction in processing time for large-scale corporate programs
7. Comprehensive Billing Models
- Highly configurable billing that supports individual, connection (department), and company-level liability within a single ecosystem
- Flexible billing configurations
Business Impact
Ensures strategic flexibility by enabling banks to serve a wide range of clients—from SMEs with individual liability models to large MNCs requiring full company liability—on the same solution
8. Centralized Billing & Payment Management
- Centralized Billing Statements
- Central Payment Processing
- Sweeping Mechanisms
- Delinquency Management
Business Impact
Improves cash flow visibility by providing corporates with a single, unified statement for all card spend, while enabling issuers to benefit from automated settlement and reduced credit risk through centralized delinquency tracking
Built for Visionary Issuers Driving the Future
Architected to support high-volume, enterprise-grade programs with complex billing, intricate account hierarchies and policy-driven controls
Native Corporate Architecture
The Difference: Unlike traditional CMS platforms that retrofit corporate capabilities onto retail structures, this solution is built natively for complex enterprise requirements.
The Advantage: It handles high-volume, enterprise-grade programs with intricate billing and multi-level governance without the “clunky” workarounds required by legacy systems.
True-Tree Hierarchy & Governance
The Difference: The system manages corporate entities through a seamless Company -> Connection -> Account -> Card structure.
The Advantage: Issuers gain granular control over credit, billing and employee management at every level of the corporate tree, supporting even the most complex multinational structures.
Fungible Credit Frameworks
The Difference: Supports shared credit pools that dynamically allocate limits across departments rather than rigid, card-level assignments.
The Advantage: Corporates can optimize their capital by centrally managing limits at the company or connection level, allowing for real-time flexibility as business needs shift.
KCP-Driven Servicing Workflows
The Difference: Provides specialized dashboards and 360-degree views specifically for Key Control Persons (KCPs).
The Advantage: Digitizes the entire relationship from KCP onboarding and employee management to real-time service requests, significantly reducing the bank’s operational burden.
Dynamic Liability & Billing Logic
The Difference: Natively supports individual, connection, and company-level liability with configurable billing and sweeping logic.
The Advantage: Issuers can serve everyone from small SMEs to giant government entities on one platform, offering centralized statements and payments that match the client’s specific accounting needs.
Real-Time Risk & Spend Intelligence
The Difference: Offers cross-entity risk and spend intelligence, giving issuers and corporates total oversight.
The Advantage: Automated policy-driven controls and real-time visibility ensure that corporate spend remains compliant with internal company policies while reducing delinquency risks for the bank
Frequently Asked Questions
How is eMACH.ai Corporate Cards natively different from a Consumer CMS retrofitted for corporate use ?
Most traditional CMS platforms are designed for retail accounts and lack the underlying architecture to support complex business structures. eMACH.ai Corporate Cards product is built natively for corporate requirements, meaning it supports multi-level hierarchies, fungible credit pools, and centralized billing as core functions, rather than add-on features.
Can the platform support complex multi-national corporate hierarchies ?
Yes. Our platform uses a True-Tree hierarchical account structure that maps exactly to the enterprise’s real-world organization: Company -> Connection -> Account -> Card. This gives issuers and corporates granular governance over every subsidiary, department, and employee cardholder.
What is "Fungible Credit" and how does it benefit corporate clients ?
Legacy systems often lock credit to a specific card, leading to “trapped” limits in one department while another is underfunded. Our Fungible Credit Framework allows a central credit pool to be dynamically shared across departments or subsidiaries, maximizing capital efficiency for the client and spend volume for the bank.
How does the system automate the corporate onboarding journey ?
The platform digitizes the entire lifecycle—from Company Underwriting and document upload to tax ID validation and business financials evaluation. Rule-based workflows automate the creation of the company-connection-account tree, reducing onboarding time from weeks to real-time.
Can we manage different liability models for different client segments ?
Absolutely. eMACH.ai Corporate Cards supports individual, connection (department), and company-level liability within a single unified ecosystem. This allows banks to offer tailored programs to everyone from small SMEs to global conglomerates on the same platform.
How does the Key Control Person (KCP) manage employee cards ?
The system provides a dedicated KCP-powered dashboard that includes an “Employee 360” view, automated onboarding flows, and self-service request management. This reduces the operational load on the bank by empowering corporate administrators to handle daily servicing.
What billing and payment options are available for enterprise clients ?
The platform supports centralized billing, decentralized payments, and automated sweeping logic. Corporates can receive consolidated statements at any hierarchy level, while issuers benefit from automated delinquency management and centralized financial oversight.
Is the platform capable of supporting niche commercial card types ?
Yes. From a single unified platform, you can issue and manage Charge cards, Commercial cards, Corporate T&E cards, SME cards, and Government cards. Each program can have its own unique spend controls, billing cycles, and fee structures natively configured.
Delivering Tangible Impact Across Global Banks
Enterprise Bank Launches Controlled Corporate Card Program
A leading bank deployed Intellect’s Corporate Cards platform to offer enterprises real-time spend controls, automated reconciliation, and integrated expense reporting—improving compliance and reducing operational overhead.
SME Bank Enables Digital Business Cards at Scale
An SME-focused bank leveraged the platform to launch configurable business card programs with granular controls and instant visibility—helping business customers manage expenses more effectively.
Recognized Excellence
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