Every card payment in your platform within a minute.

Kapto captures the transaction information the card issuer already sends the cardholder, the moment a card is used, and delivers it to your platform clean, categorised and deduplicated through one REST API.

Book the 30-minute test See how it works

For expense, accounting and finance platforms. Use the Kapto app with no code changes, or embed our SDK in your own app.

£7.40 0:00 since payment

Merchant: Harbour Street Café
Category: Food and drink
Location: London, GB

Delivered to your platform

Illustrative transaction. The time shown is an example.

Works across card networks, whoever issues the card: banks, fintechs or card programmes.

Visa
Mastercard
American Express
UnionPay
Discover
and other networks

Card spend is late, patchy and unchecked

Where's the receipt?

Card spend reaches your platform days after the payment. By then the employee has forgotten what it was for, and the receipt is long gone.

Card coverage is patchy

What you can see depends on the issuer, the card type and the country, so every customer ends up with a different story and a different workaround.

A receipt says £45, the card says £78

Without a real payment behind each expense, mismatches and recycled receipts surface months later in an audit, if they surface at all.

Kapto doesn't replace your expense, accounting or banking connections. It sits underneath them and adds the real-time card layer.

How a payment reaches your platform

The cardholder paysAny card on any network, credit or debit, corporate or consumer, from a bank or any other issuer.
The issuer sends the payment detailsTo the cardholder's phone, exactly as it does today.
Kapto captures them, with permissionIt never connects to the account behind the card and never asks for login credentials.
Your platform receives the transactionMerchant, category and location are resolved first, then it arrives clean and deduplicated through one REST API.

{
  "amount": 7.40,
  "currency": "GBP",
  "merchant": "Harbour Street Café",
  "category": "food_and_drink",
  "location": "London, GB",
  "seconds_to_capture": 48
}

A transaction as your platform receives it. Illustrative; field names will follow the final API.

Two ways in, the same transactions

The Kapto app

No changes to your code

Your users install the Kapto app and link it to their account on your platform. You receive every transaction through our API or a webhook. It's the quickest way to run a pilot.

Best for pilots, and for platforms that are web-only or don't want to ship a mobile release.

The Kapto SDK

Inside your own app

Capture runs inside your mobile app, under your brand. Your users grant permission where they already work, with nothing extra to install. It's the least friction for your users.

Best for platforms with their own mobile app. Live in six weeks.

Start with the app to prove it on your data, then embed the SDK when you're ready.

Who it's for

Expense management platforms

Spend appears while the receipt is still in the employee's hand, so policy checks happen at the moment of payment, not at month-end. Think sales and field teams on the road.

Accounting and bookkeeping software

Card spend arrives ready to reconcile without relying on bank feeds, including credit cards and cards issued abroad. Think small businesses with several cards from several issuers.

ERPs and finance suites

One route for card spend across every entity and country, with no new technical project for each market. Think groups with subsidiaries outside the UK.

Banks and business fintechs

Show spend from cards issued by others inside your own app, not just from your own cards. Built for the SDK route, under your brand.

Open banking and data aggregators

Extend your coverage to card transactions, alongside the account data you already provide. Kapto runs behind your API, so your customers still see one source.

The difference, plainly

Bank feeds compared with Kapto
Question	Bank feeds	Kapto
When does the expense appear?	Next day or later	Within a minute
Is there a bank connection to maintain?	Yes, one per bank	No. Kapto never connects to the bank or issuer
Which cards are covered?	Depends on the issuer, card type and country	Any network, any issuer: credit or debit, corporate or consumer
Is the receipt tied to a real payment?	Reconciled after the fact	From the first second
Does it replace your existing tools?	Not applicable	No. It adds to what you use

Every expense needs a real payment behind it

One receipt, one real payment. No expense enters without a card transaction behind it, so invented or recycled receipts stop slipping through.

Amounts reconcile themselves. When a receipt and the card disagree, the gap shows up straight away, not months later in an audit.

The real merchant, identified. Name, business type and location come with every transaction, so a dinner can't be filed as office supplies.

Receipt submitted£45.00

Card payment captured£78.00

Merchant on the cardHarbour Street Café

Mismatch flagged£33.00 difference

Kapto never touches the account behind the card and never asks for login credentials.

Permission first

With the cardholder's permission, Kapto captures the transaction information the issuer already sends to their phone. Nothing else.

Nothing to connect

There is no link to the account, so there are no logins to collect, store or protect, and no consent to renew with the issuer.

Encrypted end to end

Capture happens at source. The transaction reaches your platform encrypted, through a single REST API.

Simple to buy, quick to prove

Fixed fee

One monthly fee. Platform, support and service monitoring are included.

Per transaction

A price per transaction. You pay only for the expenses that arrive, and it scales with your volume.

Grows with you

Add countries whenever you need to, on the same contract, with no new technical project.

Run a pilot with real users before you commit.

Frequently asked questions

What is Kapto?

Kapto is a real-time card transaction API for expense, accounting and finance platforms. It captures the payment details the card issuer already sends to the cardholder's phone and delivers each transaction to your platform, clean and categorised, within a minute.

How is Kapto different from bank feeds and open banking?

Bank feeds and open banking connect to each bank and usually deliver card transactions the next day or later, with coverage that varies by issuer and country. Kapto never connects to the bank account, needs no login credentials and works with any card network and issuer.

Which cards does Kapto support?

Credit and debit, corporate and consumer cards on Visa, Mastercard, American Express, UnionPay, Discover and other networks, issued by banks, fintechs or card programmes.

How do platforms integrate Kapto?

Two ways. Your users install the Kapto app and you receive their transactions through a REST API or a webhook, with no code changes. Or you embed the Kapto SDK in your own mobile app, live in about six weeks.

How is Kapto priced?

A fixed monthly fee that includes platform, support and monitoring, plus a price per transaction delivered. You can run a pilot with real users before you commit.

Who is behind Kapto?

Kapto is a product of Wenalyze, a fintech founded in 2018 and backed by Bankinter, with an office in London.

Test it on your own data in 30 minutes

Bring a sample of your transaction descriptors and we'll show you how accurately Kapto resolves them. Decide with evidence, not slides.