CARD91 Launches SpendFlow, a Commercial Card Platform Built for Enterprise Requirements

Payments infrastructure company CARD91 has launched SpendFlow, a platform designed to manage commercial card programs for enterprises. The tool aims to replace retail-oriented systems with features tailored for corporate hierarchies and complex financial workflows.
Why it matters
This reflects the growing demand for specialized fintech infrastructure that addresses the specific operational needs of large businesses versus individual consumers.
SpendFlow brings purpose-built infrastructure to commercial card programs, replacing the compromises of adapting retail credit card systems to the distinct operating, credit and servicing needs of businesses and enterprises.
BENGALURU, India , Aug. 27, 2026 /PRNewswire/ -- CARD91, a payments infrastructure company, today announced the launch of SpendFlo w , a commercial card and enterprise spend management platform designed for issuer banks serving businesses, SMEs, large corporates and institutional clients.
Issuer banks have traditionally adapted card management systems designed primarily for retail or consumer credit cards to support commercial card programs. As banks serve more complex business customers, this approach can create functional gaps because commercial programs need to accommodate organisational hierarchies, differentiated credit arrangements, approval structures, spend policies, supplier payments, consolidated billing and enterprise financial workflows.
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