Audit and resolve every non-T&E corporate card transaction

Autonomous Cards reviews every non-T&E corporate card transaction as it posts, then works each flagged charge to a close. Our AI Agents check the charge against your policy and take the action you define, requesting what is missing from the cardholder or routing approval to a manager. Auditors only step in when human input is required.

Autonomous Cards covers purchasing cards (P-Cards), virtual cards, ghost cards, fleet and gas cards, and lodge cards, which together hold the card spend that never reaches an expense report. 

Yes. Keep your bank, your issuer, and the card programs you run today. Autonomous Cards connects to your existing card feeds through secure file transfer protocol (SFTP) or file upload, then applies your policies across every program. Nothing about your current card setup has to change.

Level 3 (L3) card data is line-item detail passed by the merchant with a transaction, including item descriptions, quantities, and unit prices. It lets an auditor see what was bought rather than only the merchant and the total.

You define when a charge needs documentation. Our AI Agents request the receipt from the cardholder, retrieve it from the merchant where configured, and read the itemized detail on every one. When no receipt is available, the Agents evaluate the charge using Level 2 and Level 3 card data.

Bank and platform controls set limits by merchant category, amount, and location, which stops obvious risk but cannot explain what was bought or why.

Our AI adds a layer to the cards you already issue by auditing every eligible transaction, reading line items and receipts, applying your written policy, and resolving routine exceptions with the cardholder or manager. Autonomous Cards allows you to consolidate your existing purchasing, virtual, fleet, ghost, and lodge cards into AppZen while keeping all your reward benefits intact. This automated policy enforcement gives finance teams complete confidence to expand card usage across the organization.

No. Autonomous Cards reviews transactions after they post, so a purchase is never declined or blocked at the point of sale and no card is delayed. We sit outside the payment flow. Uncertain decisions defer to an auditor.