Prepaid business expense cards to manage team spending. Set budgets, automate expense tracking, and gain real-time visibility into company expenses to enhance expense management and reduce administrative workload.
Platforms that help businesses manage their cash flow, liquidity, and working capital needs efficiently.
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Multi-account Display Ability to view and manage multiple accounts in a single interface. |
Caxton Business Cards dashboard consolidates multiple employee and card accounts for business expense management. | |
Real-time Balance Updates Balances update instantly as transactions occur. |
Platform provides real-time balance and transaction feeds for cards, according to product site. | |
Account Grouping Ability to group or organize accounts for easier monitoring. |
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Automated Account Reconciliation Automatically reconcile bank accounts with internal ledgers. |
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Sweep Account Functionality Automatic transfer of funds between accounts to maintain specified balances. |
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Account Statements Export Export detailed statements and reports in various formats (PDF, Excel, CSV). |
Expense reports/statements can be exported as CSV or Excel for reconciliation and reporting. | |
Consolidated Cash Position Show consolidated cash position across multiple accounts and currencies. |
Dashboard gives consolidated cash/expense overview across multiple cards and company balances. | |
Sub-account Management Support for managing virtual or sub-accounts under a main account. |
Supports creation of virtual cards and management of spending at the sub-account (employee) level. | |
Customizable Account Views Allow users to personalize dashboard/settings for account information. |
Allows personalized views and dashboard widgets for spend categories, team members and budgets. | |
Historical Account Data Access Lookup and analyze past transactions and balances. |
Users can search, export, and analyze historic transactions for expense management. | |
Account Data Retention Period The length of time account information is available in the platform. |
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Bulk Payment Processing Enable processing of multiple payments in one operation. |
Bulk action options include multiple card loads, spend allocations, and card activation, simplifying payment operations. | |
Payment Scheduling Ability to set up future-dated or recurring payments. |
Admins can set up scheduled and recurring top-ups/payments for expense cards. | |
Real-time Transaction Tracking Monitor payment status as they move through processing. |
Tracks all spend activity in real time and provides notification of payment status. | |
Payment File Upload Support for uploading payment instructions in various formats, e.g., MT101, XML, CSV. |
Supports upload of bulk expense/payment files for card loads or expense data. | |
Payment Authorization Workflow Configure maker-checker and multi-level approval workflows. |
Admins can use approval workflows for high-value or exception spend authorizations. | |
Global Payment Capabilities Enable both domestic and international payments across multiple currencies. |
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Recurring Payment Templates Store and reuse templates for frequently used payment instructions. |
Recurring card funding rules/templates can be saved for employee expenses. | |
Payment Limit Controls Set transaction or daily limits per user/role. |
Limits per card/user can be set for spends and loads. | |
Instant Payment Processing Time Time required for instant/faster payments to be processed. |
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SEPA/ACH/SWIFT/RTGS Integration Systems support for major payment rails and protocols. |
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Payment Status Notification Send alerts/notifications about payment status to users. |
Push and email notifications available for spend, load, or declined transaction. |
Liquidity Forecasting Project short- and long-term cash positions using algorithms and data trends. |
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Cash Pooling Centralized management of cash across multiple accounts/entities. |
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Notional Pooling Aggregate balances for interest optimization without physical fund movement. |
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Target Balancing Automatically transfer funds to maintain target balances in specified accounts. |
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Intercompany Loan Management Facilitate and track internal lending between subsidiaries. |
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Daily Liquidity Reports Automated daily reporting on cash positions and liquidity metrics. |
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Liquidity Stress Testing Scenario analysis and stress testing to simulate potential cash shortfalls. |
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Investment Sweeps Automate short-term investments of surplus funds. |
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Intraday Liquidity Monitoring Observe and analyze cash flows within the business day. |
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Liquidity Dashboard Update Frequency How often the liquidity dashboard data refreshes. |
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Multi-factor Authentication (MFA) Require multiple forms of authentication for user login and approvals. |
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Role-based Access Control Configure user roles with granular permissions for features and data. |
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Audit Trail Automated, immutable logging of user activities and changes. |
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IP Whitelisting/Geofencing Restrict access based on IP addresses or physical locations. |
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Password Policy Enforcement Enforce complexity, history, and expiration policies for passwords. |
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Session Timeout Automatic user logout after period of inactivity. |
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Customizable Approval Limits Set approval authority thresholds per user or transaction type. |
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User Provisioning API Automated user creation/integration via API. |
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Annual Penetration Testing Independent security testing performed per year. |
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Encryption Level Strength of data encryption at rest and in transit. |
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ERP Integration Direct/standard integration with major ERPs (SAP, Oracle, etc.). |
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Open API Access Availability of RESTful APIs for external system integration. |
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SWIFT Connectivity Integrated connection to SWIFT network for messaging and payments. |
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File Format Flexibility Support for a wide range of import/export file formats (MT940, BAI2, XML, CSV, etc.). |
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Automated Data Import/Export Schedule or trigger automatic data flows. |
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Bank Integration Coverage Number of supported banking connections via host-to-host, API, SWIFT, or other means. |
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Webhooks/Callback Support Real-time event notifications via webhooks. |
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Single Sign-On (SSO) Integration Compatibility with SSO solutions (SAML, OAuth, etc.). |
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Data Mapping Tools Customizable mapping between platform and external data fields. |
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Integration Onboarding Time Average time to onboard new integrations. |
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Custom Report Builder Users create tailored reports with selected fields and filters. |
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Scheduled Reporting Automate report delivery on a regular cadence via email or platform. |
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Dashboards with Drill-down Interactive dashboards with the ability to explore underlying data. |
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Graphical Visualization Tools Generate charts and graphics for better data interpretation. |
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Export to Multiple Formats Reports and dashboards can be exported in PDF, Excel, CSV, etc. |
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Audit and Compliance Reports Prebuilt templates for regulatory and audit needs. |
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Real-time Data Analytics Analytics update instantly as new transactions process. |
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Historical Data Analysis Window Amount of historical data available for reporting and analytics. |
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Predictive Analytics Forecasting cash flows and trends using machine learning. |
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Regulatory Data Extraction Speed Time taken to extract a standard regulatory report. |
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Responsive Web Design Platform adapts to different devices and screen sizes. |
Interface is responsive for desktop and mobile use; design adapts to all devices. | |
Multilingual Support Availability of the interface in multiple languages. |
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Accessibility Features Compliant with accessibility standards (e.g., WCAG, screen readers). |
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Customizable Dashboards Users personalize their workspace for maximum efficiency. |
Customizable dashboards for managers to view spend, teams, budgets, and alerts. | |
Search and Filter Quickly find specific transactions, reports, or entities. |
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Mobile App Availability Native iOS and Android apps for on-the-go usage. |
Caxton Card App available on iOS and Android for business and cardholder users. | |
User Onboarding Experience Rating Average rating of the onboarding process from user feedback. |
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User Guide/Help Center Comprehensive documentation and help tools built in. |
Comprehensive help center, FAQs and user guides available. | |
Contextual Assistance Tooltips, walkthroughs or real-time suggestions embedded in the platform. |
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Interface Load Time Time taken to fully load the main interface/dashboard. |
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Audit Log Retention Retention of a full, immutable log of actions for audit trail. |
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Regulatory Reporting Automation Automatic generation and submission of required regulatory filings. |
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KYC/AML Integration Integration with or tools for Know Your Customer and Anti-Money Laundering processes. |
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SOX Compliance Support Built-in controls and workflows to support Sarbanes-Oxley compliance. |
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GDPR/Data Privacy Controls Features to support global data privacy regulations and user rights. |
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OFAC/Sanctions Screening Checks payments and counterparties against sanctions lists. |
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Tax Reporting Tools Automated preparation of necessary tax documentation and forms. |
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Custom Compliance Rule Engine Ability to define business- or geography-specific compliance rules. |
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Compliance Certificates Current certificates for all major relevant standards (ISO, PCI DSS, SOC2, etc.). |
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Sanctions Screening Speed Typical time to screen a transaction for sanctions. |
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Multi-horizon Forecasting Short-, medium-, and long-term cash projections. |
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Forecast Accuracy Indicator Display and analysis of forecast versus actual variance. |
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Scenario Planning Ability to model and compare different predictive scenarios. |
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Integration with Budgeting Tools Sync forecasts with internal budgeting and planning systems. |
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Automated Data Feeds Ingest internal and external data sources for forecasting. |
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Forecast Update Frequency How frequently forecasts can be recalculated or updated. |
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Currency Conversion Support Accurately forecast cash positions across currencies. |
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Sensitivity Analysis Model the impact of variable changes on forecast outcomes. |
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Forecasting Algorithm Options Choice of statistical or AI models for prediction. |
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Forecasting Accuracy Rate Reported accuracy rate based on user benchmarks. |
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24/7 Technical Support Live customer service via multiple channels (phone, chat, email). |
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Dedicated Account Manager Assigned single point of contact for the client. |
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Implementation Support Assistance during onboarding and deployment. |
Information on product page and in onboarding guides indicate onboarding/implementation support. | |
Online Knowledge Base Comprehensive online library of FAQs, guides, and troubleshooting. |
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Training Materials & Workshops Access to training sessions and e-learning resources. |
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Service Level Agreement (SLA) Uptime Guaranteed uptime per SLA agreement. |
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Incident Resolution Time Average time to resolve critical technical issues. |
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User Community/Forum Peer-to-peer online support and best practice sharing. |
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In-app Support Chat Built-in real-time messaging with support team. |
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Multilingual Support Staff Support staff available in multiple languages. |
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Concurrent User Capacity Maximum number of users supported at the same time. |
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Transaction Throughput Number of transactions processed per unit time. |
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Failover/Redundancy Systems Redundant systems to ensure continuity in case of hardware/software failure. |
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Disaster Recovery RTO Recovery Time Objective after a disaster event. |
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Disaster Recovery RPO Recovery Point Objective (maximum data loss tolerable). |
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Peak Load Support Platform supports agreed performance at peak transaction volumes. |
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Automatic Scalability System automatically scales up/down with resource demand. |
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API Rate Limiting Limits concurrent calls to prevent overload. |
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System Monitoring Tools Built-in tools for tracking system health and performance. |
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Platform Upgrade Frequency Frequency with which new versions/releases are made available. |
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