Audit cards
at the speed
of spend

Corporate card expense management covers the processes and systems used to monitor and control spending on company-issued cards. It confirms that business purchases, such as travel and client entertainment, are documented and aligned with company policy.

AppZen Card Audit audits every corporate card transaction as it posts, then works each flagged charge to a close. Our AI Agents check the charge against your spend policy, then take the actions you have defined for it, requesting what's missing from the cardholder or routing the approval to their manager. Your auditor gets involved only when human input is required. Card Audit covers corporate credit cards, purchasing cards, and ghost cards.

You define when a charge needs documentation. Our AI Agents request receipts from cardholders, then read the itemized details on every one. When a receipt is not available, the Agents work from Level 2 and Level 3 card data to evaluate the charge. Itemized detail is how our Agents catch a restricted item inside an otherwise compliant total.

Yes. Card Audit connects to your existing card feeds through SFTP or file upload from supported banks, including Bank of America, Citibank, JPMorgan Chase, PNC, and US Bank. You keep your current card programs and banking relationships, so you’re onboarding programs by entity and issuing bank, the way your organization normally operates.

Card Audit finds duplicate charges, unauthorized merchants, restricted items, out-of-policy amounts, and missing documentation. Our AI Agents also evaluate a cardholder's prior activity, so a pattern of small violations surfaces, even when no single charge crosses a threshold.

Our AI Agents move the flagged charge through a full resolution loop, the same way you would define when a charge needs documentation. They evaluate the Level 2 and Level 3 line-item detail, and the cardholder's prior activity. You define when and how our AI Agents can request a receipt from a cardholder, ask for a list of attendees, request a business purpose from a cardholder, or route an approval to a manager. Any charges an Agent cannot settle are handed off to an auditor, with the full context attached.

No. Card Audit performs audits after the transaction has occurred, so a purchase is never declined or blocked at the point of sale. Uncertain decisions defer to an auditor.

Select from our pre-built AI Agent standard operating procedures (SOPs) and customize them based on your written policies. Tune any policies the Agents apply using the versioned editor. Edits take effect only when you deploy them.

Yes. Depending on your configuration, pairing Card Audit with AppZen Expense Audit links card charges and reimbursed expenses into a single view, for auditing.