How Sparados Cards are Revolutionizing 6 Key Industries
- Justyna Mazurek
- Oct 9
- 7 min read
In today's dynamic business world, effective expense management is no longer a matter of accounting alone, but a key element of operational strategy. The Sparados all-in-one platform was created to automate and digitize this process, offering comprehensive solutions, including corporate virtual payment cards and modern expense management and invoicing.
These solutions have found applications across a variety of industries. Below, we present a detailed analysis of how Sparados cards are revolutionizing financial management in the transportation industry, among sales representatives, insurance companies, real estate developers, security guards, and travel agencies.
Logistics Revolution: Sparados in the Transport Industry
The transportation industry faces unique challenges, primarily related to employee mobility and the dispersion of financial documents. Statistically, approximately 14% of invoices are lost in drivers' cabins. Sparados effectively eliminates this problem by fully digitizing the process.
Digital Scanner and Accounting Automation
Sparados turns the driver's phone into a document scanner . After making a purchase, drivers take a photo of the receipt or invoice using the Sparados app. The system automatically:
Converts an image to a standardized PDF file.
Automatically adds key invoice details to transactions, including supplier details, amounts, and dates.
It links this information to the appropriate payment.
Sends everything straight to accounting.
This eliminates manual processing of paper documents, tedious searching, data entry, and paperwork backlogs. This rapid delivery of documents in the universal PDF format saves time for accountants and all administrative staff. Automating expense accounting can save transportation companies up to 5000 PLN per month.
Immediate Support in Emergency Situations
Another major challenge in transportation is providing drivers with funds to cover unexpected expenses, such as tow trucks, fines, roadside assistance, or replacement vehicles. Sparados eliminates the need for drivers to keep money in sub-accounts or carry large amounts of cash.
In the event of an incident, drivers can request a card limit increase directly within the Sparados app. Administrators review the request in real time and approve it with a single click. The funds are immediately available on the driver's card. With Sparados, all cards are linked to a single company balance, and drivers only have an individual spending limit that can be adjusted instantly.
Sales Optimization: Company Cards for Sales Representatives
Sales teams, especially those working intensively in the field and abroad, require quick and transparent financial solutions.
Instant and Free Transfers
Companies employing employees abroad often face expensive transfers that take several days to reach Poland. Sparados solves this problem by enabling cost-free transfers to employees in just 20 seconds. The money is immediately available on the issued card, eliminating the fees and delays associated with traditional international transfers (ELIXIR, SWIFT, SEPA).
Full Control of Expenses and Detection of Irregularities
Sales team expenses, often amounting to large sums (up to approximately 100,000 PLN per month), can be difficult to fully control. Sparados provides precise, real-time tracking of each employee's expenses.
The system uses artificial intelligence (AI) to monitor and detect unusual transactions. If a transaction deviates from the norm (e.g., exceeds normal limits or doesn't fit into a spending category), it is immediately flagged for review.
No More Paperwork - Save Time and Paper
Sales representatives spend as much as 90% of their professional time traveling, which makes paperwork a huge burden and takes up time they could spend building relationships.
The Sparados app replaces manual processes with a simple digital flow. Merchants immediately settle each expense after payment, adding a photo of the receipt or invoice and a defined label (expense type). This automation allows merchants to gain approximately 20% more time for customer service. The accounting department receives structured data in real time, allowing for faster month-end closing and reducing the number of unbilled expenses.
Digital Transformation of Claims: Application for Insurance Companies
Sparados is disrupting the Insurtech sector by changing the traditional, cumbersome reimbursement model.
Immediate Benefit Payments with No Reimbursement
Traditionally, customers had to cover medical or repair costs out of their own pocket and then wait for reimbursement. Sparados eliminates this reimbursement step entirely.
Insurance companies can instantly issue a virtual payment card with a pre-loaded, approved amount. The money reaches the policyholder in seconds. This ensures that policyholders never have to advance their own funds, and insurers gain a fully controlled and secure way to distribute benefits. Studies show that this solution increases customer satisfaction by 40% .
Full Control over Beneficiary Spending: Sparados Cards are Revolutionizing Insurtech
Sparados virtual cards are fully controlled by the insurer. Each card can be configured with spending limits, purpose of use, and, crucially, merchant category restrictions (e.g., use only in pharmacies and hospitals). This allows for rapid distribution of benefits while maintaining strict oversight. In urgent crisis situations, any number of cards can be issued simultaneously, with clear limits and labels.
Digitalization of Statements and Your Own Branding
Sparados enables instant digital transfer statements from the person at fault in the collision. Instead of paper forms, the statement can be delivered as a QR code to the customer's virtual card added to Apple Pay or Google Pay. Digital statements are more accurate, prevent errors, and are easier to share.
Moreover, virtual cards can be fully branded with the insurer – the company's image appears in the customer's digital wallet, strengthening brand awareness and serving as a modern marketing tool.
Controlling Construction Costs: Sparados for Developers
Development companies manage multiple projects simultaneously, each with its own budget and cost structure. Financial chaos and the risk of employee debt are significant challenges.
The End of Private Financing
A common problem is that employees use their personal funds for urgent purchases (materials, repairs), which creates the risk of company debt, reaching up to PLN 100,000 per month. Sparados eliminates this problem by offering virtual Mastercard payment cards that are issued instantly.
These cards have a defined limit and are assigned for a specific purpose. Funds are immediately available, eliminating complicated refund processes and ensuring that the company remains in control of its budget.
How to Precisely Budget Projects in Real Time?
Sparados enables precise control of project budgets. Virtual cards are issued with spending limits tied to specific projects, departments, or cost categories.
The system ensures full transparency in real time. Every transaction is recorded immediately. Managers have up-to-date insight into budget utilization, preventing overspending and allowing for early detection of cost trends.
Digitization of Documents from the Construction Site
Illegible, damaged, or lost construction site invoices are a thing of the past. Employees simply take a photo of the invoice or receipt in the Sparados mobile app at the time of purchase. The system automatically scans, recognizes the data, and assigns the document to the appropriate project or cost category. This ensures error-free, paperless accounting that provides up-to-date data.
Financial Security and Speed: Solutions for Security Companies
Security companies such as Hunters24, Smart Monitoring and Umbrella Polska optimize purchasing processes and eliminate unnecessary paperwork thanks to Sparados.
Elimination of Pro Forma Invoices
Traditional purchasing processes often require pro forma invoices, which slows down order fulfillment. Sparados solves this problem by eliminating the need for these additional documents.
Each employee making a purchase receives their own virtual payment card with a predefined limit. Merchants can pay directly within the limit, and transactions are automatically recorded. This change speeds up the purchasing process by up to two times. Invoices are scanned using the mobile app and sent directly to accountants.
Budget Control and Increased Security
Virtual corporate cards are issued instantly with intelligent spending limits and categories. Employees can add cards to Apple Pay and Google Pay for convenience and security.
Sparados also offers better security controls than traditional IBAN transfers. You can:
Limit cards to one store or subscription.
Set cards as one-time or short-term.
Set card spending limits (daily, monthly or total) – transactions above these are immediately blocked.
Freeze cards immediately (e.g. to stop a subscription from renewing).
With Sparados cards, businesses have chargeback rights and buyer protection, which is difficult to recover with traditional IBAN transfers.
Global Travel Billing: Travel Agencies and Business Trips
Managing expenses during team-building and business trips, especially in the context of foreign currencies, is complicated and leads to accounting chaos.
Precise Control over Every Transaction
Sparados enables the instant issuance of virtual payment cards for any transaction (e.g., flights, hotels). This allows administrators to set spending limits and assign specific labels or categories to each card before the first purchase. This eliminates the confusion of using a single physical card for all payments.
How to Effectively Manage Multiple Currencies?
Effective currency management is crucial when traveling abroad for business. Traditional methods, such as BLIK, are limited to transactions in Polish złoty. Sparados allows the issuance of virtual cards for use in PLN, EUR, and USD. Payments are made directly in local currency, eliminating the need for currency conversion and the associated costs and banking fees.
This means employees don't have to use private accounts, and the company avoids additional costs such as VAT, national insurance contributions and pension taxes that are typically charged when reimbursing employees.
Accounting Integration and Additional Revenue
All transactions are automatically recorded, tagged, and integrated with the company's accounting system (e.g., Saldeo, InFakt, Comarch Optima, InsERT). The system converts submitted receipts to PDF, attaches invoice details, and forwards them to the selected software. This keeps company expenses under control, while AI detects irregular payments.
Additionally, travel agencies can generate additional revenue through the Member Get Member loyalty program, receiving a percentage of the profit generated by the referred new customer.
Sparados is a comprehensive financial solution that provides full budget control, immediate availability of funds, and real-time accounting automation, regardless of the specifics and requirements of each of the above-mentioned industries.
It's Time to Digitize Corporate Finances
Whether your company is a developer controlling multiple project budgets in real time, an insurer striving for immediate benefits payments, or a transportation company looking to eliminate lost invoices, Sparados offers the key to complete automation.
Virtual payment cards are the foundation. Instantly issued, with intelligent spending limits and categories, they ensure funds are available where needed in seconds. Sparados provides full financial transparency, greater security than traditional IBAN bank transfers, and significantly reduces operating costs.
If you're interested in issuing virtual corporate cards and fully digitizing and automating your business expense management process, please contact us today. We're ready to help your company save time and money.
