The Archa Platform
Control every dollar before it leaves the building
Stop chasing receipts and start controlling cost. Set custom limits, issue single-use cards, and enforce policy at the point of sale, all without calling the bank.
Surgical control without the paperwork
From early-stage startups to established enterprises, Archa powers smarter spending on a single platform built to simplify business spend at every stage of growth.
Instant limit changes
Adjust individual card limits in two clicks - no forms or phone calls required.
Rich controls
Control ATM withdrawal access, location blocking, and set daily, weekly, or individual limits.
Smart blocking
Automatically decline transactions that don't match your merchant category (MCC) rules.
Flexible buffers
Assign dynamic limits based on actual employee needs, not just your total credit facility cap.
Temporary access
Create disposable cards that automatically expire after a set date or project completion.
Real-time oversight
Monitor team spending in real time from the Archa platform.
Control cards in a click
Traditional banks make you fill out forms and wait on hold just to increase an employee's spending limit. With Archa, you have total administrative control. Log in, adjust a limit in seconds, and your employee can swipe immediately. It’s agility that matches the speed of your business.
Flexible budgets that match reality
Archa allows you to set user limits that don't need to sum up perfectly to your company credit limit. Give managers higher theoretical "safety nets" for emergencies without tying up your actual available credit or cash flow.
Granular control for precision spending
Go beyond simple dollar limits. Configure cards to work only where you want them to. Restrict spending by Merchant Category Code (MCC), set transaction-level caps, or limit usage to specific days of the week. If a transaction falls outside your policy, Archa stops it at the terminal.
Guardrails that empower your team
Great spend controls aren't about saying no; they're about giving your team clear boundaries so they can move fast without breaking the budget.
Finance Teams
Eliminate end-of-month surprises. By setting proactive controls and merchant restrictions, you prevent out-of-policy spend before it happens, rather than having awkward conversations weeks later.
Employees
Spend with confidence. When employees know exactly what their limits are and where they are allowed to spend, they stop second-guessing purchases and focus on doing their job.
Managers
Own your department's P&L. Managers can adjust their team's limits instantly, removing the bottleneck of routing every $50 decision to the CFO.
Business Owners
Sleep easier knowing you’re protected. With features like single-use cards for risky online vendors and instant card freezing, you drastically reduce the risk of fraud and rogue spending.
Customers who've made the switch
See how modern finance teams are cutting overhead and closing books faster.
Frequently asked questions
No. You can set individual limits ("soft limits") for employees that exceed your total credit line. The transaction only impacts your facility when money is actually spent, giving you greater flexibility in how you distribute budgets.
Yes. You can set restrictions based on Merchant Category Codes (MCC). for example, you can enable a card to work for "Travel and Transport" but automatically block "Entertainment" or "Retail."
Instantly. As soon as you save the new limit in the Archa dashboard, the card is updated. There is no processing time or lag, allowing you to solve employee payment issues in real-time.
These are virtual cards designed for a specific purpose or vendor. Once the intended transaction is complete, or the specific subscription is paid, the card details cannot be used elsewhere, protecting you from data breaches and card theft.
Explore other features of the Archa platform
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