Business account and spend cards for startups
Give everyone on your team a card with its own limit, merchants and approvals. Every payment shows up the moment it happens, any card can be frozen in a second, and the month closes without a receipt hunt.
Free to open · No personal guarantee · About 10 minutes to apply
An example Tuesday at a 14-person company
How cards work
Maya Okafor's card · $2,000 a month · active
01 · Who
Start from a role. Each one comes with merchant rules you can change later: design pays for software, sales for travel and client meals, operations for supplies and shipping.
This card pays for SOFTWARE
02 · How much
Drag to set a monthly limit. Small payments go straight through. Raise the limit and the card starts asking: a manager approves anything over $500, and above $5,000 a founder also signs off on payments over $2,500.
03 · Stop
Lost card, odd charge, someone leaving: press and hold to freeze. New payments are declined until you hold again. Nothing else on the account changes.
Press and hold. On a keyboard, hold Space or Enter.
Every payment
A payment lands here the moment the card is used: who, where, how much. The cardholder gets a text asking for the receipt. They reply with a photo, and Purser attaches it to the payment.
An example board of recent card payments, updating every few seconds.
Categories and receipts are filled in before you look.
Exports to your accounting software, or to a CSV.
Fees Illustrative
No monthly fee and no minimum balance. This is every charge on the account.
Free to open · No personal guarantee
Incoming wires, freezing cards, extra users and closing the account cost nothing.
Safety Illustrative
Purser is not a bank. Your money is held at a partner bank in your company's name, and we never lend it out.
Deposits are held at Ellery Bank, N.A. (fictional), Member FDIC, and insured up to $250,000 per depositor, per ownership category.
Each card has its own number, so a leaked one stops at that card. Freeze it from your phone.
Two-step sign-in for everyone. Every limit change, freeze and login is recorded with who did it.
An outside auditor reviews our controls every year (SOC 2 Type II, illustrative).
Month end
By the last day, each payment already has its receipt, its category and its cardholder. Export it and you're done.
Companies registered in the US (LLC or C-corp) with a US address, and an owner who can verify their identity. You don't need to have raised money.
The application takes about 10 minutes. Most companies get a decision within one business day, and virtual cards work as soon as the account opens.
No. Purser cards spend money already in your account, so there's no personal credit check and no personal guarantee.
Yes. Allow or block categories or single merchants on each card, and change them whenever you like.
New payments are declined. Payments that already went through stay settled, and you can unfreeze it at any time.
Yes, from settings, at any time. There's no closing fee, and we send the remaining balance to the account you choose.
Open an account in about 10 minutes. When it's approved, hand out the first card.
First card: Maya Okafor · Design · $2,000 a month
For 50 or more cards, or a move from another provider.