The Expense Management Problem

Whether you’re a small business or large financial institution, expense management can be a drain on efficiency. Businesses often struggle to deliver spending power to their employees effectively, facing challenges with spending controls, security, and reconciling expenses across departments, divisions and geographies.

Our research has shown that managing a company’s expenses can be an extremely costly and time-consuming process.

We set out to tackle this problem with a solution that blends traditional corporate cards and modern applications to aid in the expense reconciliation process. Now teams and employees across the country are enjoying the simplicity of expense management with Karmic-powered solutions.


Average cost to process a single expense report


Average cost of processing paper checks


Average annual cost of lost time and productivity per employee.

Read the Mercator whitepaper: "Prepaid Expense Cards: Helping Small Businesses Solve Cash Flow Dilemmas."

Out of the box expense management with dash™

The dash expense management solution is targeted at small to medium sized businesses, and blends simplicity and flexibility into a solution that represents what we believe a card program can be. We offer dash as a low cost solution to help businesses solve their expense management headaches. Coupled with custom printed dash™ Prepaid Mastercard cards, this is a complete turnkey solution for businesses.

Learn More About dash

Co-Brand dash for Your Customers

Want to offer your customers and clients something uniquely your brand, without building a completely new card program? Our co-branded offering lets you customize the card, carrier package, and application themes to match your brand while retaining the dash™ support and marketing infrastructure. Get all the benefits of dash™ alongside your brand.

Learn More About Co-branding dash

Fully Customized Card Program

If you or your customers require a higher degree of control, we offer fully customized card programs to ensure the best fit with your brand and customer experience. Backed with our expense management solution, we tune the experience with fully custom cards, carrier package, and application, allowing a seamless experience from sign-up to support.

Learn More About Our Fully Customized Card Programs

Which solution is right for your company?

Here’s an overview of what each Karmic solution offers. For further details on pricing and program customization, please contact our sales team.

Out of the box (dash) Co-Branded Fully Customized
Network-branded cards (Mastercard, Visa, Discover, Amex)
dash-branded marketing toolkit
dash-branded iOS, Android, and desktop app
dash-branding on cards and packaging, and within app
Client branding on cards ✓*
Client branding on packaging and collateral, and within app
Custom-branded iOS, Android and desktop app
Custom-branded marketing materials
Distance toll-free customer support number
Custom cardholder agreement
Card Issuer Sunrise Banks Sunrise Banks Sunrise Banks or Client FI
Custom fee structure
Business model**: for offering a product to your customers
You Receive:
A commission for each new account set up
A rebate based on dollar value of purchases on cards
You pay:
An up-front implementation fee
A per-card-issued fee

* dash customers can order custom cards for their company, at an additional cost.
** Illustrative. Subject to change based on program specifications.

This card is issued by Sunrise Banks, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement. Karmic Labs, Inc. is an authorized representative of Sunrise Banks.