πŸ’³ Overview of SiFi Cards

πŸ’³ Overview of SiFi Cards

Learn how SiFi cards work.

Unlike traditional systems that rely on one corporate card for all company spending, SiFi offers greater visibility, control, and efficiency in budgeting, compliance, and accounting.

SiFi cards are typically created for a specific purpose, employees often have more than one card (e.g., one for travel, another for subscriptions).

πŸ”„ The Workflow of SiFi Cards

πŸ“ Getting the Cards

  • Create a request β†’ Employees submit card requests tailored to their needs (e.g., monthly allowance, one-time purchases, vendor-specific payments). Admins can also create cards for everyone.

    Learn how to request a card β†’

  • Approving a request β†’ Submitted requests are routed directly to authorized approvers (typically managers) to ensure spending compliance and budget adherence.

    Learn how to configure your approval rules β†’

πŸ’³ Using the Cards

  • Access Card β†’ Once approved, employees can access their virtual card details for online transactions, or integrate their card with Apple Pay or Mada Pay for in-store purchases.

    Learn how to reveal card details β†’

  • Receipt Submission β†’ Employees must submit receipts via multiple convenient channels supported by SiFi. Admins can also send reminders for missing receipts.

    Learn how to submit receipts β†’

  • Automated Receipt Processing β†’ SiFi’s integrated OCR technology automatically captures and extracts essential transaction details from submitted receipts.

    Learn more about OCR β†’

  • Accounting & Export Integration β†’ Accounting fields can be entered manually or automatically populated using SiFi Automation. Verified transactions can then be seamlessly exported to your existing accounting system.

    Learn more about accounting with SiFi β†’

πŸŽ›οΈ Card Controls

SiFi cards come with advanced controls to keep spending compliant and secure:

  • Spending Limits β†’ Daily, monthly, annual, approval-based, or fixed one-time.

  • Merchant Category Controls (MCCs) β†’ Restrict or allow transactions by merchant type (e.g., Fuel, Hotels, Ads, Software).

  • Country Restrictions β†’ Allow or block transactions by country.

  • Security Restrictions β†’

    • POS transactions

    • E-commerce transactions

    • International transactions

  • Auto-lock Policies β†’ Cards can be automatically locked if receipts are missing or suspicious activity is detected.

  • Temporary Locks β†’ Cardholders and Admins can instantly lock/unlock a card.

  • Permanent Cancel β†’ Admins can cancel cards if an employee leaves or the card is compromised.

Learn more about card controls β†’

🏦 Physical Cards

SiFi also provides physical cards when needed:

  • Works like a standard bank card.

  • With Apple Pay and Mada Pay, physical cards are not required for in-store payments.

  • Change your PIN anytime in the app.

  • Contactless payments supported.

  • Lock online spending if needed.

  • Card activation required before first use.

  • Learn how to activate a card β†’

🎁 Benefits of SiFi Cards

Using SiFi cards doesn’t just give you better control β€” it also unlocks Mastercard benefits:

  • ✈️ Airport Lounges β†’ Complimentary access to 1,000+ lounges worldwide via Mastercard Travel Pass.

  • πŸ’³ Everyday Discounts β†’ Mastercard Easy Savings & Specials on 100+ services.

  • πŸš— Ride Discounts β†’ Save with Careem (20% off on up to 3 rides/month).

  • πŸ“¦ Shipping Benefits β†’ Discounts on DHL and free MyUS premium shipping.

  • 🏨 Hotels β†’ Up to 15% cashback at Booking.com, 15% off at IHG Hotels.

Explore SiFi Card Benefits β†’

πŸ”’ Card Statuses in SiFi

Cards can have different statuses, indicating their current phase or usage state.

  • Admins and cardholders can deactivate or temporarily lock cards at any time.

    Learn more about card statuses β†’

πŸ“Œ Additional Considerations

  • AI-enabled card transaction categorization with Smart Automation.

  • Automatic locks with the Missing Receipts Policy.

  • Required accounting attributes enforced with Field Settings.

  • Enhanced security with 2FA and 3DS on all SiFi transactions


πŸ’¬ Still have questions? Contact support@sifi.sa for help.


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