The ultimate card for business expenses
Payment cards with a spend limits for your employees
Paying for travel expenses or a subscription to an online service? We have a specific card for each type of expense, giving you total freedom and control over your business expenses.
Your expense verifications are in safe hands
Your expense policy is applied via the automatic blocks and spend limits you've set - so you don't need to be constantly chasing up on spending.
Complete traceability for all transactions
All payment information is populated in our Expenses and Invoices solutions. The bank entries are posted automatically.
I saw that there really were no strings attached because I could create an account and get the cards for free. So, I tested out the solution with my CFO. We were won over very quickly. […] Our employees have more freedom and autonomy, and that actually makes such a big difference.
Chloé Grasset,
Head of HR Communication at Magellim Group
Autonomy does not necessarily mean anarchy
Show your employees that you trust them by giving them adapted payment methods, while still keeping control over their expenses and spending. Physical or virtual (compatible with Google/Apple Pay), single-use or permanent… Lucca cards can be set up to match users' profiles. Your employees can track their outstanding balances in real time and won't be able to spend more than the total allocated to them. Plus, you can also track their spending in real time and check your cash outflows.
Your expense policy, applied exactly how you want it
You have total control over all card settings:
- authorized spend limits over a given period;
- automatic card blocking in the event of unjustified expenses or unauthorized use, based on your employees' absences or your expense categories;
- authorized uses: payments in foreign currencies, withdrawals, online purchases, etc.
If necessary, you can edit the settings of a card instantly, all it takes is just a few clicks.
For supplier purchases or subscriptions, virtual cards are only generated once the purchase request has been validated by a manager. The transaction is secure and cannot exceed the amount indicated.
More security, less fraud
Say goodbye to falsified receipts, with our Expenses cards you can be sure that the transaction is genuine and the receipt will be automatically reconciled.
The native integration with our Core HR solution means that cards are automatically deleted when employees leave the company.
Save time, boost efficiency
For managers, it checks all the boxes:
- Open a payment account and assign a card in just a few minutes
- Access centralized tracking for all of the cards circulating within your company, so nothing slips under the radar
- Accounting reconciliation is easier and your accounts will always be correctly balanced. Bank entries are automatically generated in your accounting export.
Lucca Card | Classic bank card | Lucca competitors | |
|---|---|---|---|
Free account and virtual cards |
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Card availability | Less than a minute | Several days (if the option is available) | Less than a minute |
Fast card assignment process | Fast | Slow | Fast |
Compatibility with Apple Pay & Google Pay |
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| Not systematically |
Single-use cards For more secure transactions |
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Price of a physical card Excluding printing and delivery costs | €0 | Monthly subscription | Monthly subscription |
Authorization Spend limit, online payments and international payments |
| Spend limit only |
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Cards blocked when employees are not working Days off, paid leave and sick leave |
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| Partially: paid leave and sick leave are not taken into account |
Cards blocked for unjustified expenses For expenses justified on time |
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| Not systematically |
Cards blocked for misuse If the card is used incorrectly or for personal expenses |
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Cards blocked based on expense category |
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Authorizations and card blocking rules can be edited in real time |
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Comprehensive and reliable expense syncing In Lucca Expenses |
| Not very reliable |
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Easy to set up |
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Cards automatically deleted when an employee leaves the company Via the native integration with the Lucca HRIS |
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Guarantees Mastercard network, banking partner approved by the Autorité de Contrôle Prudentiel et de Résolution (French Prudential Supervision and Resolution Authority), funds secured at the BNP and insured for up to €100,000, card suspension or permanent deletion via the Lucca space (web or mobile) |
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It's a Mastercard payment card that is available in virtual and physical format. There are two types of card available:
- The permanent card, in virtual or physical format, which is assigned to employees so they can manage their overheads;
- The single-use card, which can be used to settle supplier purchases.
These two cards are secure and have spend limits. The permanent card virtual format is compatible with Apple Pay and Google Pay.
You simply need to open a payment account in the name of your company in the Lucca Payment Methods app. For this, your company must be based within the SEPA area and the accounting currency should be in euros.
The solution administrator can delete the expense in question. This results in a one-off advance to account for the employee's "debt" to the company. The automatic blocking rules for debts mean that the Expenses card will be blocked when a set limit has been reached, and it won't be unblocked until the employee has settled the outstanding balance. They will simply have to use their personal card for future business expenses and they will not be reimbursed until they have settled their debt.
The Lucca account is a payment account opened with our partner Swan, an approved financial institution. The funds paid into this account are secure and placed in a BNP account. These funds mean that you can provide your employees with payment methods, make bank transfers to suppliers and reimburse your employees.