Business wallet, cards, and built-in accounting — all in one platform.
Issue virtual cards to any team member or AI agent, with just-in-time authorization on every charge. One prepaid wallet covers every platform expense. Built-in Plantel Accounting replaces QuickBooks, Xero, Ramp, and Brex with a real-time double-entry ledger and live financial reports.
Plantel Pay is currently in test mode — card issuance and wallet funding require Stripe production approval before real money moves. Virtual cards are fully functional for evaluation.
Live product One financial layer for the whole company.
One balance. Every business expense.
A prepaid wallet is the financial centre of Plantel Pay. Fund it once and every platform charge — card spend, AI usage, telephony, campaigns, storage, platform fees — draws from a single balance you can see in real time. The dashboard shows four balance states — available, funded, holds, and posted — so your finance team always knows exactly where the money is, not where it was yesterday.
- Real-time balance: available, funded, holds, posted
- Typed transaction feed — filter by type, team member, or AI agent
- Permissioned views — finance and admin see the full ledger; individual cardholders see only their own spend
Live product Issue cards to any human or AI agent — with just-in-time controls.
Virtual cards are created in seconds and assigned to a named cardholder — a team member or an AI agent. Every card carries its own spend controls: per-transaction limit, monthly cap, and merchant category restrictions. The card program runs on Stripe Issuing with just-in-time authorization, which means every charge is evaluated against the card rules in real time — before the money moves. A declined transaction is a rule enforced, not an exception to review.
- Issue to any human or AI agent with one click
- Per-card limits: per-transaction, monthly, merchant category
- Just-in-time (JIT) authorization — every charge evaluated before it posts
- Freeze or unfreeze instantly — no card replacement needed
- PAN and CVC displayed only through a Stripe Issuing Elements iframe — never in your DOM
Live product Plantel Accounting replaces QuickBooks, Xero, Ramp, and Brex.
Plantel Accounting is built directly into HQ. A real-time double-entry general ledger posts every wallet transaction automatically. A configurable chart of accounts organises your income, expenses, assets, and liabilities. P&L, balance sheet, and cash flow reports generate from live data — not from an export you uploaded yesterday. Accounts receivable and payable track outstanding invoices and bills so the full picture of what you owe and are owed is always visible. Receipt matching links attachments to card transactions so the books are always audit-ready.
- Double-entry general ledger — every entry posted in real time
- Chart of accounts — pre-populated, fully configurable
- P&L, balance sheet, cash flow — from live data, exportable to CSV
- Accounts receivable and payable — outstanding invoices and bills in one view
- Receipt matching — attach receipts to transactions; gaps flagged automatically
Live product A graphite metal card for the whole company.
The Plantel Reserve physical card is designed — a graphite metal card with the Plantel wordmark in Sora and the card number set in JetBrains Mono. It shares the same wallet balance, transaction ledger, and spend controls as your virtual cards, so the books stay reconciled whether the purchase is online or in person. Physical card issuance opens when your account is approved for production card issuance through Stripe.
- Graphite metal construction — contactless, chip, and magnetic stripe
- Same wallet, same ledger, same spend controls as virtual cards
- Join the waitlist from the Wallet tab in Plantel HQ
Live product Replace the patchwork. Run finance from one screen.
Most companies stitch together an expense tool, a card provider, and an accounting package — then spend a day a month importing and reconciling. Plantel Pay collapses all three into the same workspace your team already uses.
- Ramp · Brex expense tools→Plantel Wallet + virtual cards
- Third-party card issuers→Plantel Pay cards (Stripe Issuing)
- QuickBooks · Xero→Built-in Plantel Accounting
- Manual receipt collection→Automatic receipt matching
- Separate AR/AP tools→Receivables and payables, built in
- End-of-month reconciliation→Real-time double-entry general ledger
Finance belongs inside your company OS.
Plantel Pay is built into Plantel HQ — no separate login, no separate subscription, no reconciliation between tools.