Seamless Cards
Planned pilot · By invitationCompany spend, straight from the balance you already hold.
Seamless Cards are Visa commercial cards for your team, funded from a wallet your business controls. No credit line, no overdraft and no second banking relationship to open. You set the limits; every purchase lands in one record.
Offered to approved business customers of Seamless payments. The Seamless Cards program is provided by Kartos Systems LLC d/b/a Seamless Finance. Cards are issued by Lead Bank. Important disclosures
How it works
From approved business to first purchase in four steps.
Cards sit on top of the Seamless account your finance team already uses. Nothing is switched on by default: your business asks for cards, and compliance approves before any card exists.
Request cards
Your verified business requests card access from inside its Seamless account. Our compliance team reviews and approves the request.
Fund your card wallet
Add stablecoin funds to a dedicated wallet that your business owns and controls. Incoming funds are screened before they can be spent.
Issue cards to your team
An administrator invites each cardholder by email, sets the limits and issues a virtual or physical card. Cardholders accept the card terms before activation.
Spend and reconcile
Each purchase draws from your wallet at the moment it is made and converts at the point of sale. Every transaction appears in your Seamless dashboard.
What you get
A card program your finance director can sign off.
Virtual and physical cards
Virtual cards for subscriptions, advertising and online suppliers. Physical cards for travel and in-person spend.
Controls on every card
Set per-card and per-transaction limits and the merchant categories each card may be used for. Controls apply at authorization.
Freeze or cancel at once
Freeze a lost card from your dashboard, and cancel a card the day someone leaves the team.
Funds stay under your control
Your card wallet belongs to your business. Seamless does not hold your funds, and cards can only spend what the wallet holds.
One record of spend
Transaction summaries, transaction detail and statements for every card, alongside your Seamless payments.
Support from people you know
Questions, disputes and complaints go to the same Seamless team that handles your payments.
Built for business spend
The costs that never fit a wire transfer.
Seamless moves your large payments. Cards cover the recurring and card-only costs around them, from the same balance.
Suppliers and logistics
Freight, customs, inspection and warehousing charges that are billed to a card.
Advertising
A dedicated card per platform or campaign, each with its own limit.
Software and subscriptions
Recurring enterprise software on cards you can cancel without touching the rest.
Travel
Flights, hotels and on-the-ground costs for the people who visit your suppliers and buyers.
Fees
Two fees. Both stated up front.
No monthly fee, no per-purchase fee and no charge to get a card. You pay when you add funds and when you spend internationally.
No overdraft/credit feature. Your funds are not FDIC insured.
Full fee disclosures| Fee | Amount | Detail |
|---|---|---|
| Card purchase | $0 | There are no fees to purchase a Card. |
| Monthly fee | $0 | There are no monthly fees. |
| Per purchase | $0 | There is no per purchase fee. |
| Funding from wallet | 1% | A fee of 1% applies for adding funds to your wallet linked to your card. |
| International transaction | 2% | A fee of 2% applies to the U.S. dollar amount of each transaction conducted with merchants outside of your country of residence. |
| ATM withdrawal | n/a | ATM withdrawals are not available. |
| Customer service | $0 | There are no fees for customer service. |
| Inactivity | n/a | There are no inactivity fees. |
Who provides the program
Four parties, each with a named role.
You deal with Seamless. Behind the card sits a regulated issuing bank, a program manager and the Visa network. Here is who does what.
Kartos Systems LLC d/b/a Seamless Finance
Provides the Seamless Cards program: your application, access to cards and day-to-day card management. Not a bank.
Lead Bank
Issues the Card pursuant to licensing by Visa U.S.A. Inc.
Bridge Ventures LLC
Manages and operates the Card on behalf of Lead Bank. Not a bank.
Visa
The Card may be used everywhere Visa is accepted.
Kartos Systems LLC is a Delaware limited liability company that does business as Seamless Finance. It is a separate legal entity from the companies that provide Seamless payment services, and it is the party you contract with for cards.
Questions
What finance teams ask first.
Let's set up cards for your business.
Tell us how your team spends. A Seamless specialist will confirm whether the pilot fits and walk you through approval.
Important disclosures
The Prepaid Debit Visa Card (the “Card”) is issued by Lead Bank pursuant to licensing by Visa U.S.A. Inc. and may be used everywhere Visa is accepted. Must be 18 or older to apply. Fees may apply. See Cardholder Agreement and Seamless Finance website for more details.
Bridge Ventures LLC (“Bridge”) is not a bank. Bridge is a financial technology company and is the Program Manager responsible for managing and operating the Card on behalf of Lead Bank. Kartos Systems LLC d/b/a Seamless Finance (“Seamless Finance”) is not a bank. Seamless Finance is a financial technology company and is the Platform Provider responsible for the application, access, and management of/for the card.
No overdraft/credit feature. Your funds are not FDIC insured. For general information about prepaid accounts, visit cfpb.gov/prepaid. Find details and conditions for all fees and services by visiting www.bridge.xyz/legal or www.seamless.finance/cards/disclosures.
Seamless Cards is in a planned pilot and is available by invitation only. Availability, features and eligibility are subject to approval and to the terms of the program.
The Seamless Cards program is provided by Kartos Systems LLC d/b/a Seamless Finance, a Delaware limited liability company. Kartos Systems LLC is not a bank.