For UK SMBs · 5–200 employees
Company spend,
finally under control.
Recavo issues Visa commercial cards to your team, captures every receipt, and reconciles spend straight into Xero, QuickBooks and FreeAgent.
UK only at launch · KYB required · Funds safeguarded
Exports clean to your accounting stack
What it does
Three things, done properly.
Issue cards in seconds
Virtual and physical Visa commercial cards for any employee. Per-card limits, MCC blocks, freeze in one tap.
Capture every receipt
Cardholders snap receipts on mobile the moment they pay. Recavo matches them to the transaction automatically.
Export clean books
VAT-coded, GL-mapped data syncs to Xero, QuickBooks and FreeAgent. Month-end in hours, not days.
How it works
From bank transfer to clean books.
Open an account
We KYB your company and verify directors. Most accounts approved within one business day.
Fund your balance
Top up via Faster Payments from your existing UK business bank. Funds are safeguarded, not lent.
Issue Visa cards
Virtual cards instantly, physical cards by post. Set limits, categories and merchant rules per card.
Reconcile and export
Receipts auto-match. Code spend with VAT and GL accounts. Export or sync to your accounting tool.
Customer funds move from a UK business bank account into a safeguarded balance held with a regulated credit institution. Recavo authorises card transactions against that balance via the Visa network, with 3DS and Strong Customer Authentication on web payments. We never commingle customer funds with our own.
Controls
Real-time spend controls.
Set per-card daily and monthly limits. Block categories like gambling or cash withdrawal at the network level. Freeze any card instantly from web or mobile.
- Per-card and per-team budgets
- MCC category blocks
- Single-use virtual cards
- Daily limit
- £500.00
- Monthly limit
- £5,000.00
- Blocked
- Cash, Gambling, Crypto
- Status
- Active
Mobile
Receipts captured at the till.
Cardholders get a push notification the moment a card is used. They snap the receipt, add a note, and Recavo OCRs the VAT, merchant and total.
- Push at point of sale
- OCR for VAT and totals
- Email-in for invoices
- Amount
- £23.45
- VAT (20%)
- £3.91
- Matched to
- Card ••1234
- Status
- Reconciled
Multi-entity
Group structures, properly modelled.
Run multiple legal entities under one login. Separate balances, separate ledgers, consolidated reporting for the finance team.
- Per-entity safeguarded balances
- Role-based access
- Cross-entity reporting
- Acme London Ltd
- £42,180.50
- Acme Manchester Ltd
- £12,940.10
- Acme Holdings Ltd
- £3,002.00
- Total safeguarded
- £58,122.60
Accounting
Two-way sync with your books.
Tax codes, tracking categories and chart of accounts pulled from Xero, QuickBooks or FreeAgent. Coded transactions push back automatically.
- Xero · QuickBooks · FreeAgent
- VAT-coded line items
- CSV export with GL mapping
- Transactions
- 248
- VAT-coded
- 100%
- Tracking categories
- Department
- Last sync
- 2 min ago
Built for the UK
Made for British SMBs, not retrofitted from elsewhere.
Recavo Ltd is incorporated in England & Wales. We work with UK regulated partners for safeguarding and card issuing.
FCA-aligned
Built to the standards expected of UK financial services.
GBP-first
Native sterling. No FX markup on UK spend.
UK rails
Faster Payments in and out, with same-day settlement.
HMRC-ready
VAT-coded exports your accountant can file from.
Security & compliance
Compliance-first, by design.
We make money from a flat software subscription — not from FX spreads or interest on customer balances. Funds are safeguarded with a regulated UK credit institution.
Read our security overviewTokenised card data
PCI-DSS scope minimised. Card numbers never touch our infrastructure.
3DS & SCA
Strong Customer Authentication on every web transaction by default.
Encryption everywhere
TLS in transit. AES-256 at rest. Per-tenant key isolation.
Audit trail
Every action logged with role-based access and immutable history.
SOC 2 Type II on roadmap · ISO 27001 controls in place · UK GDPR compliant
Pricing
Software pricing. No FX markup on GBP.
Starter
Up to 3 cards. Pay-as-you-go on physical issuance.
- Up to 3 cards
- Receipt capture
- CSV export
Growth
Most popularFor growing teams that need accounting integrations.
- Up to 5 cards
- Xero · QuickBooks · FreeAgent
- Per-card spend controls
Scale
Multi-entity groups with dedicated support.
- Multi-entity
- SSO & advanced roles
- Dedicated CSM
“Month-end used to take our finance team three days of chasing receipts. With Recavo it’s a Tuesday afternoon — and the books actually reconcile.”
FAQ
Sensible questions, plain answers.
- Who can open a Recavo account?
- Any UK-incorporated limited company with verified directors. We KYB the business and verify all material beneficial owners before activation.
- How are customer funds held?
- Funds are safeguarded with a regulated UK credit institution and held separately from Recavo's own funds. We do not lend, invest, or earn interest on customer balances.
- What card network do you use?
- Visa commercial. Cards are issued by our regulated issuing partner under license from Visa.
- Can my team spend internationally?
- Yes. International spend settles in GBP using the network's reference FX rate. We do not add an FX markup at launch.
- Can I cancel?
- Yes. Subscriptions are monthly. Close your account at any time and we will return the safeguarded balance to your nominated UK bank account.
- Can I export my data?
- Always. Full transaction, receipt and reconciliation data is available as CSV or via direct sync to Xero, QuickBooks and FreeAgent.