Welcome to Swipey 👋
Swipey is a financial operations platform built for Malaysian businesses. It replaces petty cash, shared OTPs, and messy reimbursements with one clean system, giving you full visibility and control over how your company spends.
Trusted by 2,500+ businesses across Malaysia, and regulated by Bank Negara Malaysia.
What Swipey Does
💳 Smart VISA Cards
Issue prepaid VISA cards to your team (virtual or physical). Each card has its own spending limit. Employees spend independently without needing to share OTPs or personal cards.
📊 Expense Dashboard
One central dashboard showing every transaction across your team in real time. Filter by card, employee, date, or category. No more end-of-month surprises.
🧾 Payouts & Bill Payment
Pay supplier invoices and business bills directly through Swipey — locally and internationally. Upload your invoice and Swipey handles the rest.
🔗 Accounting Integration
Sync all transactions automatically to QuickBooks or Xero. Close your books up to 5x faster with no manual data entry.
🤖 Alfie AI & CFO AI
Ask Alfie anything about your transactions. CFO AI surfaces spending insights and recommendations to help you make smarter financial decisions.
How It Works
 Fund your master accountTransfer money into your Swipey master account. This is your company's central wallet. |  Invite your teamAdd employees and assign them roles. Control exactly what each person can access and do. |  Issue cardsGive each team member a card (virtual / physical) with the right spending limit. |  Spend and trackYour team spends using their Swipey card. Every transaction appears on your dashboard the moment it happens. |
Tip: Employees attach receipts directly from the mobile app right after spending — no more chasing paper receipts at month end.
Who Uses Swipey
Swipey works for any business that needs better control over team spending:
- SMEs and startups replacing petty cash or personal cards
- Agencies managing spend across multiple clients and campaigns
- Retail and e-commerce businesses with supplier and vendor payments
- Professional services firms eliminating manual finance admin
Your Funds Are Safe
Swipey is regulated by Bank Negara Malaysia and partners with VISA and Fasspay for payments. Your company funds are held in a dedicated account with HSBC Bank.
What's Next?
Now that you know what Swipey is, let's get your account ready.
Need Help?
If you’re unsure or want someone to guide you through it, we’re here.
💬 Chat with us on WhatsApp
📞 Book a 30 min session and we’ll guide you through using Swipey
Common Questions
Is Swipey a bank account or a credit card?
Neither. Swipey issues prepaid VISA cards so your team can only spend what has been loaded onto their card. There is no credit facility and no overdraft.
Is Swipey regulated?
Yes. Swipey is regulated by Bank Negara Malaysia, ensuring your funds are protected under Malaysian financial standards.
Is it free to get started?
Yes. You can sign up and start on the Freemium plan at no cost. Paid plans unlock additional features like physical cards and spend customisation. See plan comparison →
Can individuals use Swipey, or only registered companies?
Swipey is only available for registered businesses and SMEs.
Who built Swipey?
Swipey was founded in 2021 by Kalyana Mohan and Rouvin Thiruchelvam, with the goal of helping Malaysian business owners save time and money managing expenses.
