Case Study
Verto Business Cards:
Enabling Controlled Spend for Distributed B2B Teams
Business Accounts
ALL
:
Equivalent amount in USD 11,23,567.00
GBP
:
£87,998.02
USD
:
$1,456,798.98
AED
:
455,112.00د.إ
NGN
:
₦25,980,700.34
KES
:
Ksh3,549,665.45
EUR
:
€13,990.90
ZAR
:
R45,112.00
Current holdings
Add wallet
All Values are expressed in USD at market rates
Wallet balance
Total balance of all wallets in USD
$ 1,123,567.00
Select wallet
NGN
Available balance
NGN 44,241.49
Total balance
NGN 44,241.49
Add funds
Make payment
Resent transactions
View all
20/02/2024
Convert
USD 5,000
16/02/2024
Pay in
GBP 1,000
31/01/2024
Transfer out
USD 5,000
31/01/2024
Verto Pay
GBP 1,000
31/01/2024
Convert
USD 5,000
15/02/2024
Pay in
AED 100,000
31/01/2024
Convert
USD 5,000
Background
The Context
As B2B businesses scale, expense management becomes increasingly complex. Teams need fast access to company funds for day-to-day operations, while finance leaders need strict control over spend, currency usage, and risk.
Verto already offered multi-currency wallets for businesses, but clients faced a growing gap: funds existed digitally, yet teams couldn’t use them easily or responsibly in the real world.
This project focused on solving that gap by introducing physical and virtual business cards, backed by strong admin controls and team-level flexibility.
Project Duration
12 months
Role
Senior Product Designer
(end-to-end UX)
Tools Used
Figma, FigJam, Jira, Monday.com
STEP 01
The Problem
From a business perspective, two critical issues surfaced:
For Teams
Team members couldn’t easily access company funds when needed
Expense payments required manual reimbursements
No simple way to spend directly from company wallets
For Admins & Finance Teams
No granular control over who could spend how much
Managing limits across users and currencies was time-consuming
High risk if cards or credentials were misused
No instant way to block or freeze access
In short, access and control were working against each other.
The Challenge
The challenge was to design a system that allowed: Easy fund usage for teams, Strong governance for admins and Zero confusion around limits, wallets, or currencies.
STEP 02
Research & Insights
To design a scalable card system for B2B teams, we conducted secondary research across global card and payment leaders, focusing on how they balance access, control, and risk at scale.
Reference Products
Wise Business
Mastercard Commercial Cards
Visa Business & Corporate Card Programs
Research Area
Wise Business
Mastercard / Visa
Insight Applied to Verto
Card Issuance Speed
Instant virtual cards
Physical cards with delayed issuance
Support instant virtual cards + optional physical cards
Spend Control Granularity
Card-level limits
Policy-based spend rules
Designed card-specific limits, not just user-level
Multi-Currency Handling
Wallet-based currencies
Currency decided at network level
Cards linked to specific wallets + currencies
Admin Risk Controls
Freeze / unfreeze anytime
Advanced but complex tools
Enabled one-click freeze/block for admins
User Roles
Admin vs team separation
Enterprise role hierarchies
Clear role-based UX (admin vs cardholder)
Transparency for Users
Clear balance & FX
Often hidden from end-users
Visible wallet, balance, and currency per card
Scalability
Optimized for SMBs
Optimized for enterprises
Hybrid model suitable for scaling B2B teams
Behavioral Insights
Finance prioritizes control
Operational teams prioritize speed. Trust increases when controls are visible, not hidden.
Proactive is better than reactive
Card misuse drops significantly when limits are predefined rather than enforced post-transaction.
Critical UX Decisions
Shared company cards
Why it fails: No accountability
Issued individual cards per user
Global spend limits
Why it fails: No context or flexibility
Custom limits per card
Currency-agnostic cards
Why it fails: FX confusion & errors
Currency-bound card logic
Manual reimbursements
Why it fails: Operational overhead
Direct spend from company wallets
Support-driven risk actions
Why it fails: Slow response
Self-serve admin controls
Competitive Analysis
The research focused on card issuance, spend control, currency handling, and admin governance.
Key Takeaways
Control must feel immediate: Delayed actions erode trust in financial systems.
Access should be contextual: Not everyone needs the same spending power.
Cards are extensions of wallets, not standalone tools: Wallet-card linkage simplifies mental models.
Transparency reduces misuse: Clear limits and balances prevent accidental overspend.
These insights became the foundation for designing Verto’s card ecosystem, one that empowers teams while keeping finance teams firmly in control.
STEP 03
Design process
Building the Ecosystem
We followed an end-to-end design process, starting with deep stakeholder mapping to understand the unique needs of every user in the financial chain.
Stakeholder Mapping
Parent Company Admins
Need high-level oversight and governance across multiple entities.
Finance Managers
Need granular control, reporting, and risk management.
Cardholders
Need easy access, clarity on limits, and simple reporting.
User Flow Ideation
We designed parallel flows to keep team usage simple while admin control remained powerful.
Admin Flow
Issue • Assign • Control
System Logic
Validation • Checks
Team Flow
View • Spend • Track
Card System Definition
Virtual Card
Instant
•••• •••• •••• 4291
• Ideal for online subscriptions (SaaS)
• Disposable for security
• Instant issuance
Physical Card
Shipped
•••• •••• •••• 8824
• Used for travel & offline vendors
• Linked to business wallets
• High durability
Control Settings Architecture
Each card could be configured with modular settings, ensuring flexibility without overwhelming the UI.
Spending Limit (Daily/Monthly)
Assigned Currency
Connected Wallet
Merchant Usage Rules
Freeze / Block Access
STEP 04
Design Strategy
Better Ecosystem, Increased Trust
We focused on creating a system where control doesn't come at the cost of usability.
Role-Based Experiences
Admin and team flows were intentionally separated. Admins manage limits and controls, while team members focus only on balance and transactions, reducing cognitive load.
Card-Level Controls
Controls were designed per card, not just per user. This enabled multiple cards per user, custom limits per use case, and clearer expense tracking.
Wallet & Currency Clarity
Each card clearly shows its linked wallet, active currency, and available balance—eliminating confusion around FX or fund availability.
Instant Risk Actions
Admins can freeze, block, or reassign cards instantly without support involvement, building trust and ensuring real-time control.
STEP 05
Outcome: Faster, Cleaner Experience
Controlled Spend Without Slowing Teams
Launching business cards for teams resulted in immediate positive feedback and measurable improvements in operational efficiency.
Increase in Transaction Volume
as teams could spend directly from company wallets
Faster Expense Payments
reducing dependency on reimbursements
Lower Support Requests
related to spend limits and access issues
Improved Wallet Utilization
across business accounts
F
Finance Manager
"Issuing cards to teammates made expense handling effortless."
A
Admin User
"Being able to freeze or limit cards instantly feels very secure."
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