Boya
Business spend, made smarter
Boya is a spend management platform that brings corporate cards, expense management, bill payments and business accounts into a single system, giving finance teams visibility and control over company spending. It is a financial technology company rather than a bank, with banking services provided by regulated licensed bank partners.
The platform includes virtual and physical corporate cards with built-in spend policies, corporate mobile money wallets, expense tracking with real-time approvals, receipt capture, bill payment workflows, budgets, subscription management, and a Boya API for connecting to other tools. It supports multi-step approvals, spend limits per employee, purchase, category or merchant, and automated accounting integrations with QuickBooks and Xero, plus custom exports for other systems.
Boya is aimed at finance teams across organizations of varying sizes. It offers an Essential edition for small businesses with a limited user count, a Premium edition supporting more users with approval workflows and accounting integrations, and an Enterprise edition with custom controls, API access and dedicated support. Card transactions are free, while mobile money and bank fees are charged per transaction.
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