A Bank-Grade* Platform for Payments Apps

An end-to-end platform integrating directly with payments networks and accounting systems, the Zact platform is uniquely architected to support every spend management use-case.

*Zact's APIs are built on Fiserv's issuing, fraud management, and dispute handling used by large money center banks

Zact’s card management, expense management, and AP automation applications are made available directly to corporations or white-labeled for banks. The same Zact platform APIs on which our apps are built are also available to brands & fintechs to create their own payment applications. 

What is Zact?

Payment and spend management remain a challenge for businesses of all sizes. Out of policy spend is caught only after the transaction has occurred. Expense reporting is onerous and error prone with frequent delays in submissions, approvals and reimbursement.

Zact is an integrated payments and expense management solution which effectively rejects out of policy expenses before they occur and continuously reconciles transactions with accounting systems.


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Zact has totally transformed the way we manage ALL payments and expenses throughout our company, from infrastructure costs to legal fees to travel. It’s our one-stop-shop for expense management.

When I worked for a multibillion-dollar firm, we had to manually transfer corporate card expenses into a separate expense management system. Zact combines these into a single, simple platform, automatically feeding into our QuickBooks. The best part is it’s at no cost to us! Totally rocks.

Jacob Mathew
Co-Founder & CEO

Zact is the first expense management platform I have used that enforces budget and policy before the spend happens. This is a game changer for me – for the first time I can control my spend up front and not deal with out-of-policy spend after the fact.

Kishore Karkera
Founder & Chief Operating Officer at PrinterPrezz

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