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One card, fewer headaches, more time to grow

Refreshed by the minute.
Runway, burn rate, and balance on your home screen.
Bar chart showing sales: 15%, 20%, 36%, and 10%, with the 36% bar highlighted in blue.
Smartphone screen showing a green digital card under the title 'Cards' with user profile icon.
Smartphone screen showing a green digital card with options to add card, send money, and view history.
Your card goes live as soon as you sign up.
No plastic to wait for, no setup before you can spend.
Try for free
Financial cards showing AWS Infrastructure $3,400, SaaS Subscriptions $1,240, Marketing Ops $12,500 expenses.
$3,400 allocated for AWS Infrastructure displayed on a white card with a cloud icon.
Control exactly how much each team can spend.
Caps adjust as your budget does.
Discover
See it the second it happens.
Each transaction, from every entity, so you can trust.
Card showing total balance of $15,960.00 consolidated in USD with a plus icon.
Key features

Effortless payments for global teams

Pay employees and contractors in over 50 currencies, with funds landing in minutes. Every transaction is categorized automatically, so your books stay clean without the manual work.
Account balances panel showing UK, Estonia, and Spain branches with their flags and amounts in GBP, USD, EUR.
Smiling woman in blue shirt holding a phone with a spending summary for subscription, hosting, and marketing ad.
Woman in dark sweater reading paper at desk with $250.00 claim approval notification on screen.
Global accounts
View and manage all your accounts — across currencies and entities in a one dashboard.
Spend visibility
Every transaction categorized the moment it happens. No surprises at month-end.
Expense claims
Employees submit, finance approves instantly — no paper trails, no waiting cycles.
Account balances: UK Main £3,000.50 GBP, Estonia Branch $150.00 USD, Spain Branch €0 EUR.

Global accounts

View and manage all your accounts — across currencies and entities in a one dashboard.
Spending list showing Subscription $29.99, Hosting $50.25, Marketing Ad $85.00 expenses today.

Spend visibility

Every transaction categorized the moment it happens. No surprises at month-end.
Notification showing a $250.00 claim approved with a checkmark and a button labeled View details.

Expense claims

Employees submit, finance approves instantly — no paper trails, no waiting cycles.

Explore cards

Instant cards and smart controls from a single command center.
Platinum
Engineered for executive-level capital management.
Gray platinum credit card with contactless payment symbol and gold chip on top right.
Light
For agile team spending and daily operations.
Minimalist light gray card with chip, the word LIGHT, and wireless payment icon on top left.
Vault
Locked to specific merchants for total security.
Blue Vault credit card with contactless payment symbol and chip on the top right corner.
Pulse
One-time procurement and project-specific spend.
Green contactless payment card with a gold chip and the word PULSE on the top left.
Platinum
Engineered for executive-level capital management.
Gray platinum credit card with contactless payment symbol and gold chip on top right.
Light
For agile team spending and daily operations.
Minimalist light gray card with chip, the word LIGHT, and wireless payment icon on top left.
Vault
Locked to specific merchants for total security.
Blue Vault credit card with contactless payment symbol and chip on the top right corner.
Pulse
One-time procurement and project-specific spend.
Green contactless payment card with a gold chip and the word PULSE on the top left.
Customer stories

Real results from teams that switched

Read all
story-card
68%
Reduction in expense reconciliation time
"We used to spend two weeks chasing receipts. With Pivoter, we close in three days — our CFO sleeps on the last day of the month."
Jordan Mercer
Head of Finance at LinearFlow
story-card
3.2×
Faster month-end close, all four entities
"Four sets of books, four platforms, four workflows. Pivoter didn’t simplify our stack — it made us feel like one company."
Erik Strand
Head of Finance at LinearFlow
story-card
3×
Faster approvals, from 5 days to same-day
"Finance was the bottleneck for every spend decision. Now approvals take minutes — and our team hasn’t grown in two years."
Priya Anand
Head of Finance at LinearFlow

Spend with confidence

Total visibility and real-time security.
Stay synced automatically
Your banking and books talk to each other, no manual entry.
Catch spend in real time
See transaction the moment it happens, no waiting for statements.
Pay anyone, anywhere
Send money in 50+ currencies at the real exchange rate, no markups.
Woman with short blonde hair focused on a computer screen in warm indoor light.
Stay in control of company spend.
Watch your cash grow in real time.
Capabilities

Get to know Pivoter

From real-time runway to titanium cards and global wires, every spend tool your team needs in one place.
Insights
Live runway
Runway, burn rate, and balance on your home screen. Refreshed by the minute.
Hardware
Titanium card
Aerospace-grade titanium with EMV and contactless tap. Heavier than the rest.
Controls
Spend rules
Set per-card limits, vendors, hours, and zones. Rules enforce in real time.
Payments
Tap to pay
Spend before plastic arrives. No waiting, no friction at checkout.
Transfers
Send money worldwide
Wire funds in 32 currencies, with no hidden fees or exchange markups.
Cards
Cards on demand
Spin up a virtual card for any purchase. Set it, use it, shut it off whenever you're done.
Insights
Live runway
Runway, burn rate, and balance on your home screen. Refreshed by the minute.
Hardware
Titanium card
Aerospace-grade titanium with EMV and contactless tap. Heavier than the rest.
Controls
Spend rules
Set per-card limits, vendors, hours, and zones. Rules enforce in real time.
Payments
Tap to pay
Spend before plastic arrives. No waiting, no friction at checkout.
Transfers
Send money worldwide
Wire funds in 32 currencies, with no hidden fees or exchange markups.
Cards
Cards on demand
Spin up a virtual card for any purchase. Set it, use it, shut it off whenever you're done.

FAQs

Is Pivoter a licensed bank?

Pivoter is a financial technology company, not a bank. All banking services are provided by our partner banks, Members FDIC. Your funds are held in secure, segregated accounts and are insured up to $2M through our partner network.

How does real-time receipt matching work?

Our proprietary Receipt Magic engine uses OCR and AI to extract line-item data from photo uploads. The system then cross-references the merchant, date, and amount against your pending transactions to pair them in approximately 0.4 seconds.

Can I set custom limits for specific team members?

Yes. Every card—physical or virtual—comes with Programmable Logic. You can set daily, monthly, or merchant-specific caps. Any transaction that exceeds these pre-defined parameters is automatically declined at the point of sale.

Which accounting platforms do you support?

Pivoter offers native, bi-directional sync with Ledgerly, Equinox, and Apex ERP. Our API-first architecture also allows for custom CSV exports tailored to your specific General Ledger (GL) code requirements.

How are international transactions handled?

Pivoter utilizes global liquidity rails to offer transactions in 50+ currencies. We use the real-time mid-market exchange rate with zero markup fees, ensuring your international operations remain cost-effective and transparent.

Ready to pivot? 

Get started today.

Issue physical and virtual Pivoter cards in seconds.
Try for free
Blue VAULT contactless payment card with a chip on the left side.Dark gray platinum credit card with chip and contactless payment symbol.
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