The Zact Payments Product Suite

Zact's payment products suite empowers businesses with real-time expense management and reporting, AP automation, and credit card issuance. Our platform integrates directly into payment networks and accounting systems, streamlining your spend management process.

Zact empowers you to take complete control over day-to-day decision-making. Say goodbye to the frustration of inefficient spend (money out) management and hello to streamlined, efficient, and effective business operations.

Zact Payments Product Suite: Cardz, Expenz, and Billz. Integrates directly into payment networks and accounting systems.

Zact Product Suite

Card Management

  • Corporate card management

  • Integrated approval workflows

  • Base & Premium offerings

Users

Corp Admin, Manager, Cardholder

Expense Management

  • Instant transaction visibility

  • Automatic coding to GL

  • Reconciled  accounting exported to ERP

Users

Accounting Admin , Manager, Cardholder

Integrated Payables

  • Invoice to Pay Automation

  • PIF Integration

  • Approval Workflows

Users

Corporate AP/Finance, Cost Center Owners

Business Travel Account

  • Matching tool for corporate & BTA users

  • Reconciliation tool

  • Integration with statements

Users

Corporate BTA users, TMC Users

Fleet

  • App controls for open-loop systems

  • OCR & Level 2/3 data

  • Data for tax reporting

Users

Corporate Admin, Corporate Accounting, Fleet Drivers

Portfolio Management Tool (PMT)

Onboarding

Reporting

Spending Strategies

Rebate
Management

Zact Payments Platform

ZACT Capabilities

Bank-Grade Card
Issuance

  • Direct integration with issuing processor

  • App-based card creation & control

  • Lifecycle management & compliance

  • Fraud protection via Processor integration

Real-Time
Expense Automation

  • Instant syncing of transactions

  • Auto-generated expense reports

  • Real-time, transaction-level tracking

  • Reconciled journal entries to ERP

Invoice-to-
Pay Automation

  • Invoice ingestion & approvals

  • Enforces separation of duties

  • Executes payments via PIF files

  • Bank-grade fraud & dispute tools

Advanced Spend
Controls

  • Budget, MCC, and daily limits

  • Duration & role-based restrictions

  • Multi-level approval workflows

  • Aligns with org hierarchy structure

Interoperable Platform
Capabilities

  • Integration with the organization’s approval workflow

  • Common admin and configuration capabilities

  • Common reporting

  • Reconciled journal entries

✅ Zact unifies issuing, expense, and payments — giving finance teams total control with zero friction

Zact's Payment Products

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