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Watch our tutorials and how-to videos! Find answers to frequently asked questions about our platform for managing business expenses, as well as about issuing and collecting virtual payment cards for company employees.
FAQ
KSeF is a central platform of the Ministry of Finance used for issuing, sending, receiving, and storing structured invoices. The implementation of KSeF aims to fully digitize invoicing and accounting processes, as well as facilitate tax control and increase the security of document circulation.
The obligation to use the National e-Invoice System (KSeF) will apply to companies with annual revenues exceeding PLN 200 million from February 1, 2026. From April 1, 2026, the KSeF system will become mandatory for all entrepreneurs in Poland. Starting February 1, every Polish entrepreneur will be required to receive invoices issued by other Polish entrepreneurs via KSeF.
Sparados is the first fintech company in Poland to offer a system that can automatically download e-invoices from KSeF, analyze them, and link them to financial transactions (such as card transactions or bank transfers). Thanks to this, entrepreneurs no longer have to manually match data or verify payments. Sparados is integrated with KSeF via the KSeF 2.0 API.
The integration of Sparados with KSeF significantly facilitates accounting work:
Accounting receives a ready-made, complete transaction file with assigned invoices, a unique KSeF invoice ID, the name and tax identification number of the contractor.
The time spent on accounting is reduced to practically zero.
The system eliminates common problems such as missing invoices or unclear operations.
The need for communication between the company and the accounting department is reduced, as all the necessary data is available in one complete statement.
Using Sparados in conjunction with KSeF provides companies with full automation of accounting processes and compliance with applicable regulations. Integration significantly reduces service costs and eliminates errors resulting from manual data entry. Companies gain real-time insight into the links between invoices and employee card transactions, which translates into better control over operating expenses. In addition, users do not waste time manually describing invoices or explaining to the accounting department what individual transactions relate to.
Yes. Thanks to the integration of banking with KSeF, the Sparados system automatically recognizes which invoices have been paid and which require a reminder. In this way, it automates the control of incoming payments and detects arrears, and can even send payment reminders.
Yes. Sparados already offers full integration with KSeF via the KSeF 2.0 API. Companies using Sparados will be ready for the full implementation of KSeF in Poland in 2026, as the system is fully compliant and does not require any additional changes.
Sparados accesses your company's invoices in a completely secure manner through authorized access to the National e-Invoice System (KSeF). Similar to other accounting systems, such as iFirma, integration is based on a certificate issued by the entrepreneur.
The company grants Sparados technical access by providing an invoice download certificate (the so-called KSeF token), which only allows downloading and reading invoices issued to a given company. Sparados does not have a certificate for issuing or editing documents, therefore it cannot modify, delete, or add invoices in the KSeF system in any way.
Thanks to this solution, the integration is completely secure – Sparados operates in read-only mode, automatically downloading invoices and linking them to the relevant transactions in the system. As a result, the company gains full automation and transparency of settlements, while maintaining full control over its data in KSeF.
In order for the Sparados system to automatically read invoices from the National e-Invoice System (KSeF), you need to generate a so-called authorization token. This token only allows you to download (read) invoices and is completely secure – it does not give you access to issue or edit documents.
Step-by-step instructions:
1. Go to the official KSeF website and log in to the KSeF system (e.g., via e-Tax Office, trusted profile, or qualified electronic signature).
2. After logging in, select the "Permissions" tab in the menu on the left.
3. Click "Manage tokens" and then "Add token."
4. Select the scope of permissions:
5. Check "Read invoices" (or "Download invoices"),
6. Do not check the "Issue invoices" option.
7. Give the token a name, e.g., "Sparados – read invoices," and click "Generate."
8. Copy the generated string (token) and paste it into the Sparados panel in the KSeF Integration section.
*Important:
You can delete the token or change its permissions in the KSeF system at any time. This means that you retain full control over access to your data.
It is free of charge. You can issue and assign multiple virtual cards to up to 5 users for free. Starting from the 6th user, there is a €1 net monthly fee per active user.
No, there is no limit on the number of cards per company. Each user can have multiple cards (for example – main, lunch, or project-specific).
We charge a €1 net monthly fee for each active user beyond the first 5 users. The fee covers unlimited cards per user, transactions, and all platform features.
No, there are no additional fees for using lunch cards.
A fully branded web application (with your company domain, logo, and custom e-mail templates) is available as an optional service.
One-time setup fee: €2 000 net.
Monthly maintenance: €250 net – includes hosting, branded emails, SSL domain, and support.
No, all integrations with supported systems (for example – Saldeo, InFakt, Comarch Optima, InsERT) are included in the standard subscription with no extra charge.
No, the API is free to use for all corporate clients. Documentation and API keys are included in every account.
No, there are no minimum usage requirements or dormant-account charges. You only pay for active users (beyond 5).
Cash withdrawals are possible up to €15 000 per user monthly. A 1.5 % fee applies only to the withdrawn amount.
Filling out the form takes less than 30 seconds, and our e-book with customer stories will be sent instantly to the email address you provided. You'll receive an email with a link to download the e-book in PDF format.
No. Our e-book with case studies is completely free. After downloading the e-book, you can register with Sparados and receive 3 months of free platform use.
Yes, your data is safe with us. We protect your data in accordance with our privacy policy, which you can read here . If you have any questions, please contact our Data Protection Officer:
Weronika Dawidzka
Email: [email protected]
No. After entering a valid email address in the form, the e-book will be immediately sent to the provided address without needing to be confirmed. The file will be available for download in PDF format by clicking the button in the email.
To take advantage of the promotion, download the e-book and then, when registering your company in the Join.sparados.com system, inform our employee about the discount you are entitled to.
Our strength lies in solid partnerships. Sparados already serves over 100 clients worldwide, and our financial operations are conducted in cooperation with Quicko, a licensed payment institution. Quicko is supervised by the Polish Financial Supervision Authority (KNF) and holds license number IP52/2021. This partnership guarantees that our actions are fully compliant with Polish regulations and international standards.
We collaborate with Verestro, the company that provides our Fintech-as-a-Service platform. Verestro holds a PCI DSS (Payment Card Industry Data Security Standard Level 1) certificate, which means it meets the highest standards for payment card data security. All regulated financial operations are carried out by Quicko, an official Mastercard partner, which provides an additional guarantee of reliability.
Every Sparados card is covered by the Mastercard security program. This gives you access to advanced tools such as identity theft protection and fraud monitoring. You can find more information on the Mastercard Security Program website.
We use modern technologies to protect your data. All payments are fully tokenized and digital. This means your confidential card details, such as the number or CVV code, are never disclosed or stored in a way that could expose them to danger. The tokenization process replaces sensitive data with a unique, one-time token, making transactions extremely secure.
Sparados allows development companies to assign virtual payment cards with predefined limits directly to project teams, ensuring that every expense is tied to the right project budget. Invoices and receipts are scanned through the mobile app and automatically categorized, so accounting is paperless and immediate. Every transaction is visible in real time, giving managers clear oversight of spending across multiple projects. This eliminates reimbursements, reduces administrative workload, and provides full transparency over separate budgets and cost structures.
Sparados removes the risk of lost or unreadable invoices by digitizing the entire process. Instead of collecting paper slips from construction sites, employees simply take a photo of each invoice or receipt in the mobile app at the moment of purchase. The document is automatically scanned, stored, and assigned to the correct project or cost category. This ensures that every expense is captured in real time, eliminates manual errors, and gives accountants instant access to clear, legible records without chasing paperwork.
Sparados makes project budgeting precise by linking every expense directly to a predefined budget line. Virtual cards are issued with spending limits tied to specific projects, departments, or cost categories, so purchases can only be made within the allocated funds. Every transaction appears in real time, and invoices are scanned into the system immediately, giving managers up-to-date visibility of how much budget has been used and what remains. This constant tracking prevents overspending, highlights cost trends early, and ensures that budgets reflect actual project needs instead of delayed or incomplete data.
Yes. Sparados automatically records every transaction the moment it happens and assigns it to the correct project, department, or cost category. Since invoices are scanned through the mobile app and stored digitally, there’s no need to chase paper receipts or reconcile manual spreadsheets. Managers and accountants can access real-time dashboards and generate clear reports instantly, with full visibility across multiple projects. This automation makes reporting faster, more accurate, and far less labor-intensive.
Mastercard virtual payment cards can be issued instantly, so employees don’t have to wait for a physical card or approval chain when something urgent comes up. They provide immediate access to funds within predefined limits, ensuring that spending stays under control while critical needs are addressed without delay. Every transaction is logged in real time, invoices are captured through the mobile app, and the purchase is automatically linked to the right project or cost category. This combination of speed, oversight, and accountability makes urgent purchasing both faster and more secure.
With Sparados, employees no longer need to rely on pro forma invoices because each person making purchases has their own payment card. Instead of going through an administrator for every expense, they can pay directly within their assigned limit. Invoices are simply scanned through the mobile app and go straight to accountants for reconciliation. This eliminates long chains of approvals and removes the finance team from the payment stage, making the entire process significantly faster.
Key Advantages:
Elimination of pro forma invoices and process automation
Transactions are recorded automatically in the platform. Purchases can be made directly without supporting documents, reducing delays and workload.
Direct employee payments with control
Each employee has a virtual card with a predefined limit. They can handle company expenses themselves, while scanned invoices flow directly to accounting for real-time tracking.
Instant issuance of virtual cards
Virtual cards can be issued immediately with configurable spending limits and categories. This speeds up purchasing and ensures budgetary control.
Faster and more transparent purchasing
Smart limits and categories streamline operations and provide clear oversight of expenditures.
Lower costs and reduced paperwork
By removing unnecessary documentation and manual approvals, Sparados reduces administrative effort and operational costs, especially for restocking IT and security equipment.
Check out the success story of our client from the security industry: Case Study Hunters
Sparados removes pro forma invoices by giving each employee their own virtual payment card with predefined limits. Instead of going to an administrator for every expense, employees can pay suppliers directly. The transaction is logged automatically in the platform, and the invoice is scanned through the mobile app and sent straight to accounting.
This automation eliminates manual approvals and bank transfers, speeds up purchasing, and ensures that every expense is tracked in real time. As a result, security companies no longer need pro forma invoices to authorize payments, which reduces delays, lowers administrative workload, and makes operations far more efficient.
Stronger security: Your real card number stays hidden. If the virtual card is compromised, you can simply close it and your main account remains untouched.
Spending control: You decide limits, expiration dates, or even make it single-use. That stops unwanted repeat charges and keeps your budget in check.
Easy to stop payments: Perfect for subscriptions. If you don’t want to continue, just delete the virtual card and the merchant can’t charge you anymore.
Safer than bank transfers (IBAN): With a Sparados card, you have chargeback rights and buyer protection. If something goes wrong with a purchase, you can dispute the payment and get your money back. Once money is sent by IBAN transfer, it’s final and much harder to recover.
Sparados gives you budget control right at the card level, almost like having a “pause/play” button for your money. Here’s how it works in practice:
Instant limits: You can set spending caps on each virtual card (daily, monthly, or total). Transactions beyond that are blocked immediately.
Category or merchant rules: Cards can be restricted to a single store or subscription, so money can’t leak elsewhere.
One-time or short-lived cards: If you only want a card to last for one purchase or a weekend trip, you can set an expiration and the card will be closed automatically.
Live notifications: Every payment triggers an instant alert, so you see what’s happening with your balance in real time.
Easy freeze/delete: If you don’t want a charge to go through anymore (for example a subscription renewal), you can close the card before it hits your account.
Custom grouping: Cards can also be added to special groups such as departments, segments, or category groups. This makes it possible to align our system with your company hierarchy, giving you clearer visibility and control at every level. All of this combines into a system where you don’t just track your budget after the fact - you actively shape it while spending.
Sparados helps security companies cut costs and speed up purchasing by replacing pro forma invoices with employee virtual cards. Each worker pays suppliers directly within set limits, invoices are scanned in the app, and transactions flow straight to accounting. This automation removes manual approvals, reduces paperwork, and makes operations faster and more transparent.
Built-in controls such as spending caps, merchant rules, instant freeze, and grouping by departments ensure real-time oversight and stronger security than traditional IBAN transfers. See how it works in our client user story.
Sparados doesn’t just make claims faster, it completely removes the need for traditional reimbursement. With Sparados, insurers disburse benefits instantly through restricted virtual cards. Instead of customers paying upfront and waiting for their money back, a virtual card is generated on the spot, preloaded with the approved amount, and ready to use immediately for eligible costs.
This is not simply a quicker process, it is a revolutionary change in how insurance benefits are delivered. By removing reimbursement altogether, Sparados transforms the entire experience: policyholders never need to advance their own funds, while insurers gain a secure, transparent, and fully controlled way to distribute benefits. Leading insurance companies are already reshaping their models around this approach.
Restricted virtual cards are fully controlled by the insurer. Each card can be configured with a spending limit, usage purpose, and merchant category restrictions, for example limited to use only in pharmacies and hospitals. This guarantees that funds are spent exclusively on approved services.
In urgent or crisis scenarios, insurers can issue multiple restricted cards at once, each with clear limits and labels. This allows benefits to be distributed quickly while maintaining strict oversight, ensuring every payout is both secure and transparent.
A digital accident statement offers speed, accuracy, and convenience compared to paper forms. It can be filled out and submitted instantly from a smartphone, reducing delays and eliminating the need for physical paperwork. Built-in validation checks help prevent errors or missing information, improving claim accuracy.
Digital statements are also easier to share between parties and insurers in real time, which accelerates claims processing. In addition, the statement is always available as a QR code inside virtual cards stored in Apple Wallet and Google Wallet, so it’s instantly accessible whenever needed.
Overall, digital accident statements make the claims process faster, more reliable, and far more user-friendly than traditional paper forms.
Sparados completely removes the traditional reimbursement step. Instead of clients paying upfront and waiting to be repaid, insurers issue a restricted virtual card on the spot, preloaded with the approved benefit amount. The customer can use it immediately for eligible expenses such as hospital or pharmacy bills.
This is not just a faster process, it is a revolutionary change in how insurance benefits are delivered. By eliminating reimbursement altogether, Sparados ensures policyholders never need to advance their own funds, while insurers gain a secure, transparent, and fully controlled way to distribute benefits. Leading insurance companies are already reshaping their models around this approach.
Branded virtual cards can be used to instantly deliver insurance benefits in a way that is both practical and engaging for clients. They allow insurers to:
Disburse claims directly, so customers can pay hospitals, pharmacies, or service providers without using their own funds.
Provide emergency support by issuing restricted cards with specific limits or merchant categories (e.g. medical only).
Offer customer perks such as wellness allowances, preventive care budgets, or partner discounts.
Strengthen brand visibility by keeping the insurer’s name and design in the customer’s Apple Wallet or Google Wallet, creating daily touchpoints.
In addition, the cards can be fully branded by the insurance company — from the web application where users access their cards, through email templates, all the way to the card design itself. This ensures a consistent brand experience across every customer interaction.
When travel agencies need to manage costs for flights, hotels, and other expenses, relying on a single physical card often leads to confusion, mistakes, and heavy accounting work. Sparados solves this by enabling the instant issuance of virtual payment cards for each transaction.
Before any purchase takes place, administrators can:
Set spending limits and assign specific labels or categories to each card, allowing precise budget control from the outset.
Issue virtual cards for use across multiple currencies (e.g., PLN, EUR, USD), removing the need for employees to use personal funds and avoiding currency conversion fees.
Ensure that every transaction is automatically recorded and integrated with the accounting system, giving real-time visibility and preventing unauthorized or over-budget spending.
See how Wycieczkomat uses Sparados for secure and fast settlements worldwide: Case Study – Wycieczkomat
The biggest advantage is direct cost savings. Instead of transferring money to travel pilots or employees and later reimbursing them, companies can issue Sparados cards with travel funds already loaded. This avoids extra costs such as VAT, insurance contributions, and retirement taxes that normally apply to money given back.
Other key benefits include:
No personal funds needed – employees don’t have to cover travel costs from their own pocket.
Reduced currency conversion fees – payments are handled directly in the required currency.
Real-time expense tracking – every transaction is logged, labeled, and linked with receipts.
Centralized control – all cards are tied to one company balance, with adjustable limits and instant top-ups.
Sparados allows companies to issue cards directly in the required currency, such as PLN, EUR, or USD. Instead of using a single account that triggers costly conversions, each transaction is made in the correct currency from the start. This eliminates unnecessary exchange rate charges, hidden bank fees, and delays tied to traditional transfers.
By giving employees or travel pilots cards preloaded with the right currency, companies keep expenses predictable, settlements simpler, and international trips more cost-efficient.
Sparados keeps company spending under control by combining real-time oversight with flexible card settings. Each employee’s card is connected to the company’s main balance but operates with an individual spending limit. Administrators can adjust these limits instantly, assign categories or labels, and link every expense to a department or project.
The system also uses AI monitoring to detect unusual or irregular payments, flagging them for review. Since every transaction is tied to user identification and an uploaded invoice, accounting teams always know who spent what, where, and why - making unauthorized or over-budget expenses nearly impossible.
Yes. Sparados integrates directly with popular accounting systems such as Saldeo, InFakt, Comarch Optima, and InsERT. In addition, it works with other platforms that allow invoice submission via a custom email address, making it highly flexible for different company setups.
When a receipt is uploaded, the system converts it into a standardized PDF, attaches all invoice details to the corresponding transaction, and forwards it straight into the chosen accounting software. This ensures smooth synchronization, faster reconciliations, and fewer manual errors.
Learn more here: How to integrate Sparados with your accounting system?
Instant fund transfers: Instead of waiting days for international transfers or paying fees, companies can issue a card with allocated funds - money arrives in just 20 seconds, completely free.
Full control and oversight: Sales teams often spend large amounts abroad, and Sparados enables precise tracking of each employee's expenses. Built-in AI detects unusual transactions to catch irregularities and optimize spending.
Simplified expense reporting: Representatives label their expenses, attach receipts directly in the app, and submit them immediately - eliminating paperwork and saving around 20% more time for client-facing work.
Faster month-end closure: Because each expense can be settled right after payment, accounting departments can close the month faster and with fewer unaccounted costs.
Sparados eliminates the delays and fees of traditional international transfers. Instead of waiting days for ELIXIR, SWIFT, or SEPA payments, funds can be sent to a Sparados card in about 20 seconds at no cost.
This gives companies faster control over expenses, ensures sales representatives and drivers abroad always have immediate access to money, and removes the hassle of hidden transfer charges.
Sparados lets companies track sales team spending in real time, set flexible card limits, and use AI to spot irregular transactions.
Every expense is logged with user identification, department assignment, custom admin labels, and the linked invoice uploaded by the employee, ensuring full transparency and quick settlements
Yes. Sparados uses built-in AI monitoring to automatically analyze spending patterns. If a transaction looks unusual, such as an amount outside normal limits or an expense category that doesn’t fit, it is instantly flagged for review. This gives administrators the chance to verify or block suspicious activity while keeping overall expense control transparent and secure.
The Sparados app replaces manual paperwork with a simple digital process. Sales representatives take a photo of the receipt, assign the expense to the right category or department, and submit it instantly. The system links the document to the transaction and forwards it to accounting.
This automation frees sales reps from filling out forms or chasing approvals, saving them up to 20% more time to focus on client relationships and sales. Companies with a 10–20 person sales team, like Verestro, have already proven these time savings by managing expenses more efficiently with Sparados.
Learn more here: Efficient expense management at Verestro
Yes. With Sparados, expenses are digitized at the moment of payment. Whether it’s an employee or an administrator, they can upload a receipt photo, assign the expense to the right category or department, and the system automatically links it to the transaction.
Accounting teams then receive structured data in real time instead of waiting for paper documents at the end of the month. This allows them to close settlements much faster, with fewer errors and missing documents.
Automated expense reporting: Drivers can upload photos of receipts or invoices, which are automatically formatted and sent to accounting - no manual data entry needed.
Real-time financial support in incidents: In case of accidents or emergencies, drivers can request extra funds through the app, and administrators can approve them instantly.
Streamlined document processing: Receipts are converted into universal PDF files with all invoice and transaction details, saving time for accountants.
Sparados eliminates the issue of lost invoices by digitizing the whole process. Instead of storing paper invoices in the truck cabin—where around 14% typically get misplaced—drivers upload a photo of the invoice directly through the Sparados app.
The system then:
Converts the image into a standardized PDF for easy handling.
Automatically adds key invoice data to the transaction, such as supplier details, amounts, and dates.
Links this information to the corresponding payment, so accountants can quickly clear and reconcile transactions.
Sends everything straight to accounting, reducing manual input and paperwork backlogs.
This way, drivers don’t lose time managing paper documents, and accountants receive clean, structured data that makes expense reconciliation simple and reliable.
With Sparados, drivers don’t need to carry large amounts of cash or wait for manual transfers. If something unexpected happens on the road—such as a tow truck, roadside assistance, or emergency repairs—they can request additional funds directly through the Sparados app.
The process is simple:
The driver submits a quick request in the app.
The administrator reviews it in real time and approves with a single click.
Funds are made instantly available on the driver’s Sparados card.
Learn more here: How can I request more funds?
Lost invoices: Around 14% of invoices go missing in drivers’ cabins—Sparados solves this with direct app uploads.
Emergency expenses: Instead of carrying cash or managing driver subaccounts, drivers can request top-ups instantly in the app.
Heavy paperwork: Manual processing of invoices and receipts is replaced with simple digital workflows.
Blocked money on drivers’ accounts: With Sparados, all cards are connected to one company balance. Drivers only have an individual spending limit, which can be adjusted instantly without locking funds on separate accounts.
Yes. The Sparados app works like a built-in document scanner. Drivers simply take a photo of a receipt or invoice, and the system automatically converts it into a clean, standardized PDF. The app also extracts key details from the document and links them to the correct transaction before forwarding everything directly to accounting.
This turns a driver’s smartphone into a simple, reliable tool for capturing and processing documents on the road.
Sparados cuts costs by preventing lost invoices, eliminating blocked funds on driver accounts, automating document processing, and speeding up approvals.
Together, these efficiencies can save transport companies up to 5,000 PLN per month.
For companies without internal IT or development resources, Sparados offers two straightforward options:
Basic offer – the most cost-effective solution at €1 net per user and €20 net per account. It gives you all the essential tools to issue and manage cards without any coding.
Client Console + Branded Web App – recommended if you also want to display your company’s logo, colors, and domain. This option provides full branding and a seamless employee experience, while still requiring no technical setup from your side.
Both solutions are ready to use instantly and do not require integration work or a development team.
Ready-to-use solution – Best for companies that want to start quickly without development work. You can issue cards, manage limits, and handle expenses immediately through the client console or branded web app. Setup is instant, with no coding required.
API integration – Designed for companies with their own IT team. Integration typically takes 1–2 months. Clients only need to connect with 4–5 basic methods, and from there they can:
Assign cards automatically based on events in their own systems.
Send notifications to employees.
Save invoices and receipts automatically.
Retrieve and check transaction history in real time.
The API solution provides full automation and flexibility, while the ready-to-use solution focuses on speed and simplicity.
Sparados allows you to align both the platform and the employee experience with your corporate identity. You can customize:
Employee card collection page – add your logo, apply your company colors, and adjust the layout.
Web application domain – publish the employee portal under your own company domain.
Email communications – fully customize templates (headers, footers, colors, and messaging) and send them from your own email address via SMTP.
Card design – personalize the look of your employees’ virtual cards with your company logo and branding.
Overall employee experience – ensure every touchpoint, from card collection to notifications, feels like part of your company’s ecosystem.
This creates a seamless and professional experience for employees while strengthening your company’s brand presence.
Direct API integration lets you:
Automate card issuing, blocking, and limit changes from your own systems.
Sync transactions, receipts, and approvals in real time (with webhook notifications).
Apply custom rules like spending limits, MCC restrictions, or currency permissions.
This reduces manual work, increases accuracy, and scales easily across your organization.
Learn more in the Sparados Developer Zone.
Get access: Contact Sparados to receive Corporation ID, Balance ID, and X.509 certificate for mTLS.
Set environment:
Core integration (4–5 methods)
POST /secure/approvals → create & assign card.
PUT /secure/approvals/{id}/unassign or /cancel → remove card.
PUT /secure/approvals/{id}/increase_budget → top up/reduce budget.
Limits → daily/weekly/monthly, MCC, ATM, e-commerce.
Transactions → fetch history & receive real-time events via webhooks.
Testing & go-live:
Use BETA, validate flows (issue, pay, attach receipt, reconcile).
Switch to PROD once tested. Full docs & examples: Sparados Developer Zone.
Integrating with the Sparados API gives your company more control, efficiency, and flexibility:
Automation – issue, modify, or revoke cards directly from your own systems without manual steps.
Real-time sync – keep transactions, limits, and approvals aligned with your ERP, HR, or accounting tools.
Customization – configure spending rules, limits, and access to match company policies.
Security – enjoy secure connections with mutual TLS and strict data formats.
Scalability – manage cards and approvals at scale while keeping full audit trails.
Learn more in our Developer Zone.
The Sparados API allows you to exchange all key data for card and expense management, including:
Card data – create, assign, block, or revoke virtual debit cards.
Limits and permissions – set daily, weekly, or monthly spending rules, ATM access, e-commerce and foreign currency use, plus MCC (Merchant Category Code) restrictions.
Transactions – access real-time transaction details and receive notifications for each transaction as they happen.
Approvals and requests – submit and track limit change requests, approvals, or rejections.
Documents and metadata – attach receipts, invoices, and additional employee data (e.g., project codes or cost centers) to transactions.
This enables seamless integration with HR, ERP, or accounting systems while giving companies full control over spend policies.
Sparados uses enterprise-grade security measures to protect all API communication and data:
Mutual TLS (mTLS) authentication – both client and server verify each other using X.509 certificates before any data exchange.
Encrypted communication – all data is transmitted over HTTPS with strong encryption to prevent interception.
Strict data formats – standardized structures (ISO8601 timestamps, UUIDs, minor-unit monetary values) reduce errors and ensure data integrity.
Role-based access – only authorized systems and users can access or perform API actions.
Audit and traceability – every API request and approval is logged, supporting compliance and security monitoring.
These safeguards ensure that sensitive financial and employee data stays secure, consistent, and fully traceable.
No, there is no extra charge for using the Sparados API. Access to the API is included as part of your Sparados service.
However, certain advanced or custom integrations may require a higher service package depending on your company’s needs.
Learn more in our Developer Zone.
Getting started with Sparados API integration is simple:
Contact us at [email protected] to request access.
Receive API credentials and X.509 certificates from our team.
Review the documentation in the Developer Zone to understand endpoints, authentication, and data formats.
Integrate and test the API with your ERP, HR, or accounting systems.
Go live with your integration once everything is verified.
Our team will support you throughout the setup to ensure a smooth and secure integration.
Developers have access to a full set of resources in the Sparados Developer Zone, including:
API reference – detailed descriptions of endpoints, parameters, and response formats.
Authentication guides – instructions for using mutual TLS (mTLS) with X.509 certificates.
Integration tutorials – step-by-step guides for connecting Sparados with ERP, HR, and accounting systems.
Code examples – sample requests and payloads to help speed up development.
Best practices – recommendations for handling limits, MCC restrictions, transactions, and webhooks.
This documentation ensures your development team has everything needed for a smooth and secure integration.
Sparados integrates with a wide range of systems, including ERP, HR, accounting, and expense management tools, as well as custom business applications.
This ensures seamless data flow and automation across your existing infrastructure.
Yes. The Sparados app makes it easy to pay securely wherever you are:
Contactless payments – Add your virtual debit Mastercard to Apple Pay or Google Pay and pay with your phone or smartwatch.
Online payments – Use your card details from the app to shop online, pay subscriptions, or make other digital transactions.
ATM withdrawals – You can also withdraw cash at ATMs if your company has enabled this option.
With the Sparados mobile app, employees can:
Receive virtual debit Mastercard business cards instantly, ready to use within seconds.
Make payments both contactlessly in stores and online by adding the card to Apple Pay or Google Pay.
Request card limit changes directly from the app, with approvals handled by company administrators.
Upload and attach receipts or invoices to their transactions for accurate and simple expense reporting.
Employees can only receive a company card once their employer is registered with Sparados and assigns a card to them. The process is simple:
Your company registers with Sparados and issues a card to you through the system.
Download the Sparados mobile app from the App Store or Google Play.
Log in with the credentials provided by your company.
Receive your virtual debit Mastercard instantly in the app — no waiting for physical delivery.
Add the card to Apple Pay or Google Pay to start using it for contactless and online payments.
The Sparados app makes it simple to request a card limit change without needing to contact HR or accounting directly. Here’s how:
Open the Sparados app and go to your card.
Tap your card, then select “Limits.”
Click the “Request change” button to submit your request.
Your company administrator is notified automatically and can review it.
Approval or rejection will appear in the app, keeping the process quick and transparent.
Yes. The Sparados mobile app makes it easy to keep your expenses complete and properly documented:
Scan a receipt or invoice with your phone’s camera directly in the app.
Upload files (e.g., PDF, image, or other supported formats) from your device.
Add required descriptions or additional data (such as cost category, project code, or notes) so your employer has the right information.
Attach the document to the correct transaction in just a few taps.
Use your personal invoice email address provided by Sparados to forward receipts directly from your mailbox - the system will automatically match them with the right transaction.
This way, all expenses are documented in real time and finance teams receive the details they need without extra follow-up.
Download the Sparados app from Google Play or App Store!
The web application lets you use your Sparados card without installing the mobile app. Just log in at: link and access your card from any device - desktop, tablet, or smartphone. It offers the same core functionalities as the mobile app, including managing payments, limits, and expenses.
For companies, the web app also supports custom branding, domain integration, and personalized email communication, so the employee portal matches your corporate identity.
Yes. Sparados gives companies the ability to fully brand the employee card collection page so it matches their corporate identity. You can:
Add your company logo for a professional look.
Adjust colors and layout to reflect your brand’s style.
Create a seamless employee experience by ensuring the card collection page feels like part of your company’s own digital ecosystem.
This customization helps strengthen your brand and builds trust with employees during the card activation process.
Yes. The Sparados web application allows you to publish the employee panel under your own company domain instead of a Sparados link. This way:
Employees access the portal through a familiar, trusted address.
Your company strengthens its brand presence.
All communication and processes remain consistent with your corporate identity.
Yes. All mailings sent through the Sparados web app can be fully adapted to your company’s communication style. You can:
Fully customize email templates - including headers, footers, colors, and messaging.
Use your own email address for sending, by connecting the system with your company’s SMTP server.
Maintain brand consistency across every message your employees receive.
This ensures that communication looks professional, comes from your company directly, and aligns perfectly with your corporate identity.
From this portal, administrators can:
Assign company cards and approve/deny card requests.
Modify spending limits and permissions for employees or departments.
Monitor all transactions, invoices, and receipts in real time.
Make IBAN transfers directly from the console.
Download reports and view diagrams for card spending and overall expenses.
Control and manage the entire company card process in one place.
It’s the central hub for full visibility and control over business expenses.
The Client Console gives administrators full control over cards, permissions, and team structures.
Card management – Assign or block cards, approve/deny new requests, and set individual card limits.
Permissions & spending rules – Define what each employee can do, such as online purchases, ATM withdrawals, or IBAN transfers.
Groups & departments – You can divide your company into groups (e.g., departments or teams). Each group can have its own approval process, card limits, account access rules, and even transaction history visibility restrictions.
Approval workflows – Expenses can be routed through the right department for faster and clearer approval.
Monitoring & reporting – Administrators can view transaction histories, download detailed reports, and track expenses in real time. Learn more about creating and using groups here: Creating Groups in Sparados.
Yes. The Client Console provides real-time visibility into every employee transaction. As soon as a payment is made, it appears instantly in the system - along with attached invoices or receipts if provided. Administrators can monitor spending live, filter by employee, department, or card, and take immediate action such as approving, denying, or flagging expenses. This ensures full control and transparency over company spending at all times.
In the Client Console, you can generate expense reports in just a few clicks. Reports can be fully customized to match your company’s needs:
Filter by criteria – employee, department, project, card, or time period.
Choose level of detail – from high-level summaries to detailed transaction breakdowns with attached receipts.
Visual insights – access diagrams and charts that help track spending trends and compare departments or cost centers.
Learn more in our step-by-step guide: How to create a transaction report in Sparados.
In the Client Console, administrators can set detailed rules to control how employees use company cards. You can:
Block or allow cash withdrawals (e.g., ATM access).
Restrict online payments or purchases from specific merchant categories.
Set spending limits per transaction, per day, or per month.
Limit IBAN transfers or disable them completely.
Define rules per employee, department, or card group, ensuring company policies are followed consistently.
This flexibility ensures employees can only spend within approved categories and budgets, reducing the risk of misuse.
Learn more in our step-by-step guide on how card limits work.
Yes. Administrators can send reminders for all transactions in the list that don’t have an attached receipt, or target reminders by cardholder. Employees then receive a push notification on their smartphone, making it quick and easy to upload the missing document through the app. This ensures every transaction is complete and compliant without the need for manual follow-ups.
With Sparados, the entire workflow — from submitting an invoice to settling it — is shortened and accelerated at every stage. On average, the process is 1.7× faster compared to traditional methods.
Users can send invoices and receipts immediately after a transaction—either via a dedicated email address assigned to them or through the mobile app.
Files are automatically matched to the correct transaction, converted into PDF format, and instantly visible in the system.
They are then routed directly to the accounting or administrative team for quick approval.
Once approved, the transactions with all attachments are seamlessly transferred into integrated accounting systems (including Saldeo, InFakt, Comarch Optima, InsERT).
Every uploaded file (whether sent via email or the mobile app) is automatically assigned to the correct transaction and converted into a standardized PDF format.The accounting or administrative team can access them directly from the Sparados web panel, where transactions and attached documents are clearly organized and searchable.
Since everything is stored in one place, there’s no need to chase paper documents or dig through emails - the accounting team always has real-time access to all invoices and receipts.
Additionally, once expenses are approved, the documents are synchronized with integrated accounting systems (e.g., Saldeo, InFakt, Comarch Optima, InsERT), ensuring a smooth flow of data without manual re-entry.
Yes. Both users and administrators can assign invoices and transactions to cost centers in Sparados:
Users can add a custom description to each transaction or invoice, making it easy to track costs by project, team, or department.
Administrators can assign special labels to company cards. All transactions made with a labeled card will automatically include that information in the transaction details. This is especially useful if you want to divide spending by department or business unit.
You can read more about this feature in the official guide here: Assigning labels to cards.
Sparados streamlines the entire settlement workflow and keeps employees informed at every step:
Fast submission – Employees can instantly forward invoices and receipts via email or upload them in the mobile app right after a purchase.
Automatic processing – Files are automatically matched to the right transaction, converted into PDF format, and made available in the system without manual work.
Real-time notifications – Employees receive alerts when their expense is approved or if additional information is required, reducing back-and-forth communication.
Accelerated approval – The accounting or administrative team can review, approve, and settle expenses in one place. On average, this shortens the entire process by 1.7× compared to traditional methods.
Seamless integration – Once approved, expenses flow directly into connected accounting systems (e.g., Saldeo, InFakt, Comarch Optima, InsERT), ensuring fast and accurate settlement.
Yes. Employees can upload travel receipts (hotels, taxis, meals, fuel) via the mobile app, and Sparados automatically links them to the right transaction. Expenses can be tagged to cost centers, quickly approved by accounting, and seamlessly exported to integrated systems. Employees also receive status notifications, making travel settlements fast and transparent.
1. Streamlined processes & cost savings
Sparados automates expense handling, helping companies optimize business spending. This saves both time (through reduced manual processes) and money (by minimizing inefficiencies and errors).
2. Transparency & control
The platform gives CFOs and managers real-time visibility into company expenses. This transparency allows better oversight, compliance, and faster reaction to irregular spending.
3. Advanced analytics
Sparados provides detailed insights into employee and departmental expenses. With customizable reporting and analysis, businesses can make data-driven decisions that improve budgeting and financial planning.
With Sparados, you can assign expenses to categories such as travel, meals, office supplies, software, or employee reimbursements. Categorization makes it easier to track how money is being spent, monitor budgets, and prepare accurate financial reports. It also helps identify which areas of the business drive the most costs, so you can make better financial decisions.
How to set labels for cards you can check here.
Assign virtual cards to purpose-specific categories - such as travel, R&D, or lunches. This enables real-time tracking and auditability.
Leverage tags or naming conventions in the system to easily filter, group, and report expenses by department, project, or cost center.
You can use the client console to issue secure virtual cards per employee or team and apply tailored limits by amount, category.
Additionally, the platform supports policy enforcement - spending is controlled by defined limits and transaction rules enforced at card level.
With Sparados, you can easily add invoices and expenses through the mobile app, web platform, or by sending them to a dedicated email address immediately after a transaction. Once uploaded, you can simply discard the physical bill.
The system automatically matches each invoice or receipt with the corresponding transaction and generates a description for it. The transaction, along with its attached bill, is then sent to administration for review. After verification and approval, the expense is forwarded directly to the accounting system in the correct format.
Sparados also provides ready-to-use PDF and Excel reports, making accounting and expense management seamless and efficient.
Sparados provides a powerful admin panel with advanced expense analytics. Administrators can:
Generate visual reports and plots based on spend categories, user email, or dedicated groups.
Filter transactions using multiple parameters, including approval flow status.
Export all transaction data into a CSV file for further analysis or reporting.
This makes it easy for companies to track spending, identify trends, and maintain full transparency over expenses
No. Sparados can only be used to manage expenses made with virtual cards issued in our system. The platform does not support bank cards and does not integrate with external cards.
Full control over limits, expense categories, security, and settlements is only possible when the payment card is issued directly by Sparados. This ensures that all transactions are automatically recorded, settled, and assigned to specific budgets.
No. Expense management in Sparados is only possible when payments or contactless ATM withdrawals are made with Sparados cards. This is the only way to ensure that the data is complete, up-to-date, and compliant with company policy.
Lunch cards are virtual prepaid contactless payment cards provided by employers to their employees as a meal benefit. Instead of receiving meal vouchers or cash allowances, employees get a monthly balance loaded onto a digital card.
The virtual lunch card works like a regular payment card but is restricted to food-related expenses. It can be easily added to mobile wallets such as Google Pay or Apple Pay, allowing employees to pay for meals quickly and securely using their smartphone or smartwatch.
Employees can use the card for a wide range of dining options - including restaurants, food courts, catering services, diet meal plans, and online food delivery platforms. This makes it a modern, flexible, and tax-advantaged alternative to traditional meal subsidies.
The benefits for employers who provide lunch cards:
Savings on ZUS contributions – up to PLN 190–450 per employee per month can be exempt from social insurance.
Simple implementation – no paperwork or voucher handling; the system is digital.
Stronger employer branding – offering modern, flexible benefits helps retain and motivate staff.
Meal subsidies provided via virtual lunch cards are exempt from social insurance contributions up to a set monthly limit (historically PLN 190; currently PLN 450).
The card is strictly restricted to food purchases, ensuring compliance with regulations.
The exemption applies only when the funds are used for meals.
Employees save up to approx. PLN 1,070 per year compared to receiving the same amount in salary.
Savings come from reduced ZUS/social insurance deductions.
Balances roll over month to month if unused.
The card provides convenience with fast, contactless payments and wide acceptance.
Yes. The virtual lunch card integrates seamlessly with Google Pay and Apple Pay
Employees can use the card across a wide network of food providers, for example:
Restaurants and cafés – McDonald’s, KFC, Starbucks, Costa Coffee
Company canteens and vending machines – e.g., Pan Kanapka vending network
Food courts in shopping malls – quick-service and casual dining outlets
Catering services and diet meal plans – Fit Catering, Maczfit, LightBox
Online food delivery platforms – Pyszne.pl, Uber Eats, Glovo
The only cost for the employer is a top-up fee, which ranges from 0.5% to 3% of the total amount loaded onto all cards. The exact percentage depends on the size of the top-up.
For more detailed information, please contact Sparados directly.
A corporate card is a company-issued payment tool, usually virtual, that employees use for business-related expenses. Unlike traditional bank cards, Sparados corporate cards are part of a complete expense management system.
They allow companies to:
Restrict cards to specific purposes (e.g., travel, subscriptions, fuel).
Automate expense categorization and compliance.
Monitor and report all transactions in real time to company administrators.
Integrate seamlessly with accounting systems.
Sparados offers a wide range of purpose-specific virtual cards to fit different business needs:
Lunch Cards – Prepaid and contactless, ideal for meal purchases, with tax benefits for employers and yearly savings for employees.
Bonus / Gift Cards – Flexible cards for perks like shopping, gym memberships, or cinema tickets.
Subscription Cards – Designed for recurring payments such as software licenses, linked to specific vendors.
One-Time Cards – Single-use cards for expenses like conference fees or training, automatically disabled after use.
General-Purpose Cards – For everyday or unexpected expenses, with full visibility and tracking.
Merchant-Restricted Cards – Cards limited to specific merchant categories such as transport, pharmacies, or gas stations.
All Sparados cards can be customized with your company’s logo and design for a one-time design fee.
With Sparados, issuing cards is instant and fully digital. Administrators create and assign a card through the console, set spending rules and limits, and the card appears immediately in the employee’s Sparados app ready to use.
👉 See the full step-by-step guide here.
At Sparados, administrators manage everything from the Admin Panel. You can set spending limits (daily, monthly, or custom), restrict cards to certain merchant categories, and assign them to groups like Marketing or Sales for easier control. All transactions are tracked in real time, and limits can be adjusted at any moment.
Sparados guarantees transaction security through:
Tokenized virtual cards – no sensitive card data is exposed.
Encryption & real-time monitoring – all payments are tracked instantly.
Regulatory compliance – our provider Quicko is PCI DSS compliant, licensed as a National Payment Institution (IP52/2021), and a licensed Mastercard Principal issuer, supervised by KNF.
Yes, Sparados cards can be added to mobile wallets such as Apple Pay and Google Pay. You can follow the instructions here.
Sparados keeps pricing straightforward. The platform costs €20 per account per month as a base fee. The first 5 users are included for free, and from the 6th user onward, it’s €1 net per user per month. There are no extra charges for integrations, branded cards, or access to the platform. You can find the full details on our Pricing page here.
Sparados is a next-generation financial and spend management platform that dramatically shortens the entire expense settlement process. From the moment a corporate card is issued - which takes just a few seconds - employees can immediately access it in the app and add it to their Apple Wallet or Google Wallet. When a purchase is made, the transaction is logged in real time.
Users can then scan their invoice or forward it to a dedicated email address. The system automatically processes the document: it is tagged, described, and prepared for accounting, before being sent directly to the finance team.
This end-to-end automation replaces tedious manual steps with a seamless digital workflow. On average, companies using Sparados save the equivalent of 10 full working days across their teams - including accounting, management, and sales - compared to handling expenses manually.
Beyond automation, Sparados enables businesses to issue branded virtual cards, control employee spending in real time, and centralize billing, invoicing, and reporting in one platform. It eliminates paperwork, accelerates month-end closing cycles, and gives finance leaders full visibility and control over company spending.
Yes. Security is a cornerstone of Sparados.
Trusted financial foundation – Sparados already serves over 100 clients worldwide and operates in partnership with Quicko, a licensed financial institution. Quicko is a regulated payment institution under the supervision of the Polish Financial Supervision Authority (KNF), holding license number IP52/2021.
Our partner - Verestro provides the technology platform, while Quicko handles regulated financial operations. Quicko is official Mastercard partners, ensuring reliability and compliance with international standards.
Payment protection – every Sparados card is backed by Mastercard’s security program, giving users access to tools such as identity protection and fraud monitoring. You can learn more or enroll here: Mastercard Security Program.
Tokenization & encryption – all payments are fully tokenized and digitized, meaning sensitive card data is never exposed.
Sparados stands out with speed, automation, and flexibility. You can issue branded virtual cards in just 5 seconds, control spending in real time, and automate the entire expense flow-from scanning invoices to sending them to accounting. Compared to manual processes, companies save around 10 full days of work across teams.
Unlike many providers, Sparados also offers local benefits like tax-advantaged lunch cards, instant fund transfers for sales teams abroad, and seamless integrations with ERP/accounting systems. All at a simple, transparent cost of €1 per user/month after the first 5 users.
Sparados helps companies save money in two ways: lower fees and greater efficiency. Pricing is simple and transparent-free for the first 5 users, then only €1 per user/month-with no hidden charges for integrations or top-up fees.
At the same time, automation replaces manual work: invoices and receipts can be scanned or emailed, processed automatically, and sent directly to accounting. On average, companies save the equivalent of 10 full working days across finance, management, and sales teams every month.
Additionally, Sparados offers tax-advantaged benefits such as lunch cards (up to 450 PLN/month per employee exempt from ZUS), helping companies cut costs while supporting employees.
Sparados is designed for European companies of all sizes that want to simplify and speed up expense management. It’s especially valuable for businesses with 10+ employees, where manual expense handling becomes time-consuming and costly.
Typical industries that benefit include transport, travel, relocation, insurance, security, development, and sales teams - any organization where employees regularly spend company money and receipts, invoices, and reimbursements create extra work.
By giving employees instant access to branded virtual cards and automating the entire settlement process, Sparados frees up time for finance teams, managers, and sales staff, making it ideal for companies that want to save both time and money while staying in full control of spending
Yes. Sparados connects seamlessly with widely used accounting systems like Saldeo, Comarch Optima, inFakt, Insert, plus others, so that expenses and invoices are automatically synced into your financial workflows.
For more advanced needs, Sparados also provides a robust API, enabling real-time integration with ERP or in-house platforms-thousands of tasks like card issuance, expense recording, and reporting can flow automatically-with no hidden fees for integrations.
Want to dive deeper into how this works? Check out our blog post on Sparados integration with accounting and ERP systems.
The Sparados pricing is simple and transparent:
€20 per account/month (base platform fee)
Free for the first 5 users
€1 net per user/month starting from user #6 onward
No hidden fees for integrations, branded cards, or platform access
You can see the full breakdown on our Pricing here.
No. The Sparados system only allows you to issue your own company cards (virtual cards). The system does not support external cards, which means that you cannot connect bank cards or settlements from other issuers.
Because Sparados provides full control over payments, limits, security, and cost rules. Full control is only possible when cards are issued directly in the system. Integrations with banks would limit response speed, functionality, and the level of protection against fraud.
Instant card issuance: Virtual cards are created in seconds for an employee, project, or subscription.
Full control over spending: Limits, MCC categories, card validity, currency locks - all centrally controlled.
Operational security: Each card can be frozen, have its limits changed, or be permanently closed with a single click.
Project-level budgeting: Each card is assigned to a project, team, or contract; no more "one company card."
Fraud protection: Single-use cards, subscription cards, cards limited to specific spending categories or specific suppliers.
Automated accounting: The system assigns expenses to the appropriate categories and teams without the need for "after-the-fact" reporting.
It does not replace, but rather supplements. Sparados organizes and controls expenses before they are posted. The data can then be exported or integrated with accounting systems, allowing the accounting department to work with complete, verified data.
For issuing cards in the system, it is necessary to set a limit on the account in advance. This is necessary for issuing cards.
After logging into the system for the first time, you will be asked to set a limit on your account. You can click on a link that will take you to the appropriate tab.
Setting a limit on an account can also be done manually by clicking on the "Management" tab and then on "Groups."
Select the group for which you want to set the limit. If you want to set a global limit, select the company name.
Then click the blue "Set Limit" button, and select the account for which you want to set a limit.
Specify group limit - this is the maximum card expense limit for the selected group on a specific account.
Limit issued cards - this is an optional limit that allows you to limit the number of issued cards.
Click the "Save" button to approve your changes
We encourage you to follow the above instructions to ensure a quick and efficient top-up of your Sparados account. If you have any questions or concerns, please contact Sparados customer service.
To assign a new card, select the "assign a card" option located on the home page or card list screen.
https://corporate.sparados.com/home/bc/cards/assign-card
The card is issued after completing several pieces of information, divided into sections.
Card type - selecting the type of card application. The card type is related to the specific operation of the card in terms of restrictions or budget management.
Cardholder data - selecting an existing or adding a new employee to the system to receive the card. The employee joins the system only at the time of registration, not when the invitation is sent.
For users from a list, selecting a user is done by searching from existing ones.
For new users, you will need to enter their phone number along with the country prefix and email address. Two card activation codes will be sent to them.
Both the pre-registered and invited employee will need to activate the card on their account.
Card limits - specifies the financial limitations of the card.
Account - specifies the payment account on which transactions made with the issued card will be billed
Total amount - defines the amount of funds that will be available for card transactions. For the employee using the card, the amount will be the same as the "account balance for the card". The employee will be able to ask to increase the limit for a given card XXX--link---XXX.
Start date - the point in time from which the employee will be able to use the card for payments. The employee can activate the card in the wallet before this date, but the card will be visible in the wallet as inactive until the "start date" comes.
End date - the date after which the card will be disconnected from the employee's account. After this time, the card will not be available for payment.
Additional limits
General limit - an amount-period restriction. An employee will not be able to use more funds in a given period than the amount set when the card was issued.
Online payment limit - disabling the possibility of e-commerce purchases with a given card or an amount-period limitation for transactions of this type.
ATM limit - disabling the possibility of cash withdrawals at an ATM or the amount-period limitation for transactions of this type.
Foreign transaction limit - disabling the possibility of purchases in a currency other than the default currency of the account or the amount-period limitation for transactions of this type. The limit is set in the currency of the account and the restriction.
Periodic limits work for a set period of time from the moment the card is issued. For example - if the card is issued on Monday at 11:00 a.m., it will run until the following Monday at 10:59:59 a.m.; if the limit is monthly and the card was issued on February 15 at 1:00 p.m., it will run until March 15 at 12:59:59 p.m.
Card attributes
Ability to select one of the pre-configured card images (visuals).
Possibility to enter a custom name for the card, later visible in the employee's application next to the card.
Log in to your Sparados account and go to the "Accounts" tab.
Select the account you want to top up.
Copy the IBAN number from the selected account.
Make a transfer to the copied IBAN number.
Once the payment is credited, the funds will be transferred to your Sparados account within 1-2 business days.
We encourage you to follow the above instructions to ensure a quick and efficient recharge of your Sparados account. If you have any questions or concerns, please contact Sparados customer service.
To generate a transaction report (summary of operations), see the Transaction History page.
Before generating the report, it is necessary to specify the range based on "from" and "to" dates.
Additional fields are optional.
For a transaction to be included it must meet each of the set conditions.
Transaction filters consist conditions:
Account - specifies the account (balance) from which the transactions were settled.
Last 4 digits - specifies the last 4 digits of the card that made the transaction.
Email - specifies the email address of the user who performed the transaction.
Date from - specifies the beginning of the period to which the statement is to apply.
Date to - specifies the end of the period to which the statement applies.
Phone number - specifies the phone number of the user, including the prefix, who performed the transaction.
Amount - specifies the exact amount of the operation in numerical value in the currency of the transaction.
Amount - specifies the currency in which the transaction was performed.
Merchant - the name of the merchant at which the transaction was performed.
Status - the status of the transaction.
The set filters can be removed by clicking the cross next to the appropriate field or the option to remove all set filters.
Generating a report
The report is generated when you click the report generation button.
The report may take up to several minutes to generate, depending on the amount of data and system load. The finished report will be available for download here.
As a panel operator, we have the ability to remind card users that they have not attached purchase documents - invoices.
To send a reminder, you need to go to a transaction that does not have a document. This can be done by selecting the Accounts tab and then its Transactions or directly through the Transaction History tab.
Transactions that do not have a receipt or invoice attached to them have a MISSING icon in the Receipt column.
After going into the details of such a transaction, it is possible to select the "Notify about missing invoice" option, which will provide a notification to the card user about the missing attachment.
The notification will be sent via email and push notification.
A use case from one of our clients "Verestro - a Fintech operating in the card industry
Verestro is an IT company that needs to issue cards for various purposes to its employees:
Test cards used for payment tests
Travel cards used for business expenses
Cards issued to sellers to present functionalities to customers using the Sparados system
Subscription cards issued for payment of subscriptions e.g. mail, servers, etc.
Cards issued to Scrum Masters (people responsible for managing the development team) for special events for each development team
Gift cards
Verestro decided to create several accounts to provide card giving an opportunity not only for the finance department, but also for the sales team, CEO and Head of IT.
Here is a list of the accounts we created for Verestro:
For this purpose, we created several accounts for Verestro:
An account for business expenses in PLN
Account for Scrum Masters in PLN
Test account in PLN
Account for business expenses in EUR
Account for subscription expenses in PLN
With the corporation configured in this way, Verestro can easily manage the budgets of different teams and control spending within each account. The use of group limits on individual accounts allows Verestro to control expenses related to individual card usage purposes with precision, as well as to provide the appropriate level of access to information and accounts for different company departments. In this way, Verestro gains greater control over its finances and can optimize the use of funds for various business purposes.
The finance department and the CEO have access to all accounts, while the sales department as well as the Head of IT only have access to a test account that allows them to issue cards for testing purposes, this account has a much smaller number of funds and is detached from other accounts.
Instruction on how to create a sub-group and grant admin access in the Sparados app:
Log in to your account in the Sparados web application.
Click the "Manage" tab and then "Groups."
Click "Add Group" and give it an appropriate name.
Select the group that will be above it - in this case, it will be the main Verestro group.
Enter the newly added group and add a limit to the account that the group should have access to.
Add an administrator in the new group.
With this setup, a Verestro corporation can have a sales team with access to only one account and see only transactions made from that account.
As a card user, open the Sparados application.
Go into the card preview and select the "limits" option
On the limits screen, you can check the amount of your existing limit, and on the card graphic - the amount of remaining funds with the current limit.
The request to increase the limit is made by selecting the option "Request changes".
When you select this option, you are taken to a form where you have to enter the expected amount of the spending limit and the date the card expires.
After selecting Send, the application will be forwarded for approval through an authorized person with access to the Panel.
When a card user has made a request to change the card's limit, the panel operator has the ability to accept or reject this request.
The option to accept or reject is visible as part of the main screen, along with the option to quickly take an action.
The V button accepts the request, X rejects the change request.
Similar operations can be performed on the dedicated limits screen:
https://corporate.sparados.com/home/bc/cards?tab=awaiting
The screen is available as part of the card tab.
On the pending actions screen, it is also possible to edit limits. In this case, you can modify the limit amount
After accepting or rejecting the request to change the limits, the card user will be informed by email and push message to the mobile application.
Video tutorials can be found in the Knowledge -> Blog -> Tutorials section of the website.
Please write us an email to [email protected], call us at +48 781761200 or use the contact form https://www.sparados.com/en/contact.
Unfortunately, the Sparados card does not allow bank transfers. However, it can be used for:
contactless payments via Apple Wallet and Google Wallet,
online payments using the card number,
cash withdrawals from ATMs.