Budgets that enforce themselves.
A card per supplier, campaign or cost centre, with rules applied at the moment of payment. Leakage stops before it starts.
When spend moves faster than finance systems.
Budgets move at pace, but the systems meant to control them do not: supplier lists change, campaign budgets shift daily, and shared cards with manual approvals leave a gap between what was authorised and what was spent. By the time finance catches up, the leakage has already happened.
Budget drift
Spend moves faster than approval and reconciliation cycles, leaving finance behind.
Limited supplier visibility
Shared cards and manual processes obscure who spent what, where.
Off-policy spend
Without real-time controls, leakage compounds across suppliers and campaigns.
Slow reconciliation
Post-spend matching across suppliers, campaigns, and currencies is painful and error-prone.
Designed for fast-moving budgets & strict controls.
Procurement and media buying solutions run on Monavate's regulated payments platform — the same infrastructure that powers card issuing, settlement, and reporting, configured for supplier and campaign spend.
Create cards with predefined limits, expiry dates, and usage rules.
Track supplier, project, and campaign spend live — not after the fact.
Every transaction is matched to a supplier, campaign, or cost centre automatically.
Apply MCC, geography, and value controls to prevent off-policy spend.
Pay global suppliers and platforms in GBP, EUR, or USD.
Their budget is spent exactly where it was approved: every supplier payment on its own card, visible in real time. And because payments run on your cards, a share of interchange comes back on invoices you were paying anyway.
Everything you need to control supplier and campaign spend.
Delivered through Monavate's regulated payments platform — the same infrastructure used for card issuing, processing, settlement and compliance across all industries, configured for supplier and campaign spend.
Supplier cards
Generate dedicated virtual cards per supplier, project, or purchase order, simplifying tracking and reconciliation.
Card Issuing & BIN SponsorshipCampaign cards
Assign cards to advertising platforms such as Meta, Google, TikTok, and LinkedIn, with budgets set per campaign.
Card Issuing & BIN Sponsorship
Policy and budget controls
Define spend rules by supplier, region, category, or timeframe, enforced in real time.
Processing
Reporting and audit trails
Enforce payment rules and maintain traceability for regulatory reporting and internal review.
Reporting & Data
Multi-currency payments
Pay globally with controlled settlement and automatic reconciliation across currencies.
Settlement & FX
UAB Monavate is a company incorporated in Lithuania under Legal Entity Code: 305628001 with registered offices at Konstitucijos av. 21A, Vilnius, LT-08130, Lithuania. UAB Monavate is authorised and regulated by the Bank of Lithuania under Authorisation Code: LB002139
The money held in your Card Account is not protected by the Financial Services Compensation Scheme (FSCS). This means that, unlike a bank account, your funds are not covered by a statutory compensation scheme if Monavate were to fail. Instead, we protect your funds in accordance with the Electronic Money Regulations 2011. These regulations require us to safeguard customer funds by:
i. keeping them separate from Monavate’s own money; and
ii. holding them in designated safeguarding accounts with authorised credit institutions, or otherwise protecting them in a manner permitted by law.
Safeguarding is designed to ensure that your funds are protected and prioritised if Monavate were to become insolvent. In such circumstances, safeguarded funds should not be available to Monavate’s creditors and are intended to be returned to customers, subject to the insolvency process.While safeguarding is not the same as FSCS protection, it is a regulatory mechanism specifically designed for electronic money accounts to help keep customer funds safe.