Smart Cards. Smarter Expense Control.
Issue virtual & physical prepaid cards, track every expense, and control staff spending in real time.
Why Choose VONO Cards & Expenses?
Empower your business to spend smarter and safer. VONO helps you create cards for every need, manage cash, and automate expense tracking—all in one secure dashboard.
Cards & Expenses Features
Virtual & Physical Prepaid Cards
Create multi-currency cards for team members, instantly freeze/unfreeze, and set spending rules.
Expense Tracking
Capture, categorize, and report every expense—automatically, whether it’s card, cash, or mobile money.
Receipt Upload & Approval Flows
Simple receipt submission. Customizable multi-level approval workflows for fast, secure reimbursements.
Auto Reconciliation
Instantly match card and cash expenses with bank transactions to streamline reporting and spot discrepancies.
Spend Policies
Set and enforce company-wide expense rules. Create budgets for projects, departments, and teams.
Other Features
VONO Expense/Spend Management AI
Intelligently categorizes every business expense and flags unusual spending, helping you optimize budgets, enforce company policies, and save time on approvals.
VONO Receipt AI
Scan and upload receipts from mobile or desktop—AI instantly extracts relevant details, matches them to transactions, and reduces manual data entry and errors.
Analytics
Unlock actionable insights on spending trends, team expenses, and budget versus actuals with real-time charts and reports for smarter financial decisions.
Reports
Generate detailed, audit-ready reports on expenses by team, project, or category—automatically, and download them for tax, compliance, or management reviews.
How does it work?
Assign cards
Issue cards to team members instantly.
Set limits and rules
Define who can spend what, and how.
Review and approve
Managers review expenses, approve in one click, track spending.
Made for Africa’s Entrepreneurs.
Designed for any SME—retailers, traders, startups, service businesses—VONO’s cards and expense management suite make admin easy and help leaders focus on scaling.
Retail Shops & Chains
Manage daily team spending on supplies, inventory, and utilities, with instant tracking and custom card limits for every store or staff member.
Project-Based Agencies
Assign cards and budgets to different projects, automate receipt collection, and track expenses for marketing, construction, creative, or consulting firms.
Field & Distribution Teams
Empower remote staff and field agents to pay vendors or travel confidently, while centralizing all expenses for easy reporting and reconciliation.
Service Businesses
Spend on customer jobs, parts, and materials with digital cards—keeping receipts and approvals organized for quick client billing.
Hospitality & Restaurant Groups
Control staff spending on food costs, repairs, and supplies, set up branch-level limits, and streamline expense audits for every outlet.
Tech Startups & Fast-Growing SMEs
Monitor fast-moving team expenses, set agile budgets, and analyze costs across departments—helping founders focus on scaling, not paperwork.
Cash Flow Management
Track, control, and optimize all business spending—so you always know your true cash position and never get caught out by surprise expenses.
Operational Efficiency
Automate expense approvals, card issuance, and reconciliation. Free up valuable time and minimize manual work for your team.
Cost Control
Set smart spending limits, enforce budgets, and reduce wasteful expenses to keep overheads low and profits high.
Reimbursements
Digital receipt capture and approval flows mean employees get reimbursed quickly and data entry mistakes are minimized.
