Features

Virtual cards, real efficiency.

Issue or connect virtual cards in seconds with custom limits, custom approval rules, and auto-receipt capture. Stop sharing cards and start controlling spend.

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Trusted by 230+ property managers and 25,000+ properties.

Topkey is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Topkey Visa debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. The Topkey Visa charge card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

Smarter Cards. Stronger Controls.

Create or connect secure, customizable cards for staff, vendors, or properties. Control spend before it happens, eliminate shared card chaos, and even connect existing virtual cards to see 100% of your transactions in one place.

Create or connect cards instantly.

Create or connect unlimited cards for staff, vendors, or properties in seconds—no waiting, no reimbursements.

Custom limits & controls.

Set spend caps, expiration dates, and vendor restrictions to prevent overspending and enforce policy automatically.

Connect external cards.

Connect your existing American Express, Visa, or Mastercard to automate your entire financial operation.

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Cards in seconds, not days.

Issue unlimited virtual cards instantly for new hires, field staff, or properties. No more shared cards or delayed reimbursements.

Built-in spend controls.

Set customizable card limits and monitor purchases in real time with receipts and property tags.

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Maximize card rewards.

Earn unlimited 1.5% cash back² on virtual Topkey Visa cards* or bring your own Visa, Mastercard, or American Express business or corporate cards and earn higher rewards.

*Topkey is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Topkey Visa debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. The Topkey Visa charge card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

2 | Terms and conditions apply to the charge card rewards program. To redeem your Points Rewards, you must email us at support@topkey.io and provide the name of the Account holder with your request to redeem your Points Rewards. You may redeem your Points Rewards only if you are not delinquent in any amounts then owed to Topkey. The purchase of money orders or cash equivalents, and account funding made with your charge card are not eligible for charge card rewards. Please refer to the Topkey Charge Card Rewards Terms and Conditions (https://www.topkey.io/legal/business-charge-card-rewards-program).