Torpago is a white-label web and mobile platform for banks offering branded business card programs and spend management tools. It combines spend controls, bill pay, approvals, reimbursements, and physical and virtual cards. Finance teams can track transactions in real time, categorize and search activity, review transaction history, and flag policy issues. Receipt tools cover capture, storage, matching, OCR, verification workflows, and email processing. Expense approvals can follow configurable multi-level or team-based routes, with notifications, reminders, and delegation. Reports include spend analytics, custom reports, exports, dashboard snapshots, and statements. Employees can submit reimbursement requests while finance tracks approvals and payouts. Torpago names NetSuite, QuickBooks, and Gusto integrations, and offers an open API, custom API integrations, and import and export tools. Its policy features include enforcement, compliance monitoring, and violation reporting. Torpago describes security practices as encryption at rest and SOC 2-aligned operations. It is paid, with pricing on request; the spend management page invites visitors to book a demonstration.
Who it is for
Torpago is aimed at banks seeking white-label infrastructure for branded business card programs and spend management. Its workflows also address finance teams managing transactions, receipts, approvals, policies, and reimbursements.
What is good
- Combines spend controls, bill pay, and reimbursements.
- Offers physical and virtual cards.
- Supports configurable approval workflows.
- Includes receipt capture and OCR processing.
- Names NetSuite, QuickBooks, and Gusto integrations.
What to know first
- Pricing is available on request.
- The spend management page directs visitors to book a demo.
Verdict
Torpago brings card programs, spend controls, approvals, receipts, and reimbursements into one white-label platform. Banks considering it should note that pricing is on request.
Compared on corporate card software
- Physical cards
- Yes
- Virtual cards
- Yes
- Spend controls
- Yes
- Approval workflows
- Yes
- Receipt capture
- Yes
