Search company, investor...
CleverCards company logo



Angel | Alive

Total Raised


Last Raised

$12.18M | 2 yrs ago

About CleverCards

CleverCards is a global payments platform that enables businesses and governments to send digital Mastercards instantly to employees, customers, or suppliers by SMS, WhatsApp, or email.

Headquarters Location

Block G, Mount Pleasant Business Center Upper Mount Pleasant Avenue, Ranelagh

Dublin, 6,


CleverCards's Product Videos

ESPs containing CleverCards

The ESP matrix leverages data and analyst insight to identify and rank leading companies in a given technology landscape.

Emerging Tech / ERP

Companies in this space integrate with platforms like WhatsApp to digitize functions such as accounting, order & vendor management, and financial reporting.

CleverCards named as Leader among 5 other companies, including Kippa, Jem, and Qentaz.

Compete with CleverCards?

Ensure that your company and products are accurately represented on our platform.

CleverCards's Products & Differentiators

    Gift, Incentive & Reward

    Solution for attracting & retaining staff & customers

Expert Collections containing CleverCards

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

CleverCards is included in 3 Expert Collections, including Payments.



2,669 items

Companies and startups in this collection enable consumers, businesses, and governments to pay each other - online and at the physical point-of-sale.



5,113 items

Track and capture company information and workflow.



74 items

Latest CleverCards News

A CleverCards take on the digital future of money

Dec 19, 2022

John Kennedy Share Share Podcast Ep 146: Kealan Lennon, founder of CleverCards , brought Christmas early for thousands of workers and businesses through digital prepaid Mastercards. The future of money, he says, is digital. Our world is in an ongoing transition of many things to digital. In recent decades it was books, music, movies and retail. If CleverCards CEO Kealan Lennon has its way it won’t be just physical money and cheques that will go eventually go all-digital, he wants to see the end of plastic cards. CleverCards has already been integral this year in enabling numerous businesses and organisations to gift employees with prepaid Mastercards that can be stored in smartphone wallets and used in physical stores or online. In 2020 the Dublin business entered into a strategic partnership with Mastercard and uses the power, security and scale of Mastercard processing inside the CleverCards infrastructure to In recent months the latest phase of the partnership saw digital Mastercards be capable of being downloaded from the CleverCards platform in such a way that busineses and public organisations could custom-brand their own Mastercards and personally configure each card for various purposes. CleverCards began life as a mobile greeting card business but in recent years pivoted towards digital payments. That pivot gained momentum last year when the business joined the Mastercard Fintech Express programme. Since then the business has created more than 30 new jobs, closed a €10m funding round and acquired spend management software player ExpendiaSmart. Your phone is your flexible friend   Speaking on the ThinkBusiness Podcast, Lennon explained that the pivot away from digital greeting cards to virtual cards was inspired by during a visit to China where he observed how no one in China used cash or plastic cards to buy goods, instead using their social network apps like WeChat or Sina Weibo to do everything. “Everyone was paying with their mobile phone and that was four or five years ago. I came back and realised you didn’t need to be a Steve Jobs or Jeff Bezos to have the vision for where this was going. It was crystal clear that the future was digital payments. Europe is significantly behind China and in turn – surprisingly, when it comes to payments – the United States is probably several years behind Europe.” As Lennon sees it, those rectangular pieces of plastic we carry in wallets or stuffed inside phone cases will soon go the way of video cassettes and DVDs, and if he has his way CleverCards will be in the vanguard of this transition. “That’s really where we are, we’re the Netflix of payments. Once you go digital it opens up a world of opportunities in the same way as you can stream songs without having to buy an album with 14 songs.” The biggest beneficiaries of this transition could be businesses if they use their imaginations. “There’s lots of things that we can do to configure and customise payments for small businesses. And that’s really where the evolution is.” CleverCards functions as a B2B operator that provides businesses with the means to figure out clever ways of sharing value with customers or colleagues. The cards pretty much do everything monetary, except be used for withdrawing cash. More than 5,000 businesses are already using the CleverCards platform and through its acquisition of ExpendiaSmart, the business is a Licenced Electronic Money Institution, which opens a plethora of possibilities. “In the same way you can configure music into playlists on your phone, as a licensed payment processor, we’ve given that power of configurability to small and large businesses. “For example, they can configure the expiring date on a digital card or where cards can be used. A business sending staff to a conference overseas can load value onto cards and indicate what hotels and restaurants can be used to purchase goods and services within a certain credit period. We have one customer who has configured the card to work in 24,500 outlets only. So we’ve delegated that ability. “So businesses can configure these cards for employees and cut down on the chances of fraud by setting rules. For example you can restrict a CleverCards’ usage to a certain location, like a city or country, for example.” Other uses for CleverCards include giving small businesses, like taxi drivers or florists, early access to earnings based on transactions at point of sale. Looking to the future Lennon believes that beyond Europe and North America there are significant opportunities for CleverCards in the Middle East. He also intends to leverage further the power of the Mastercard processing engine. “It’s a bit like the early days of personal computers where some machines had ‘Intel Inside’, only in our case as a fintech we are using the power of Mastercard processing which is driving the CleverCards platform. So we’ve got infinite scale in terms of Mastercard behind us and that’s bringing us lots of customers.” In conclusion, Lennon believes CleverCards could be in the vanguard of eliminating the use of plastic cards and moving to digital cards. “The market is full of disparate payment solutions that are costly, are inefficient, slow, geographically restrictive and inflexible. And increasingly they are lacking in fraud and regulatory compliance. “We are singularly focused on enabling businesses to be able to get digital cards to their employees or customers. The Irish market is a great example – we’re the only Irish company providing tax-free digital Mastercards that can be used as gifts up to €1,000.” Our podcast series is available on ThinkBusiness every week but also on our channels and via mobile apps on  Spotify ,  SoundCloud ,  Stitcher  and  Apple.

CleverCards Frequently Asked Questions (FAQ)

  • Where is CleverCards's headquarters?

    CleverCards's headquarters is located at Block G, Mount Pleasant Business Center, Dublin.

  • What is CleverCards's latest funding round?

    CleverCards's latest funding round is Angel.

  • How much did CleverCards raise?

    CleverCards raised a total of $20.68M.

  • Who are the investors of CleverCards?

    Investors of CleverCards include Gareth Lambe and Delta Partners.

  • Who are CleverCards's competitors?

    Competitors of CleverCards include Railsr and 4 more.

  • What products does CleverCards offer?

    CleverCards's products include Gift, Incentive & Reward and 4 more.

  • Who are CleverCards's customers?

    Customers of CleverCards include Appreciate Group.

Compare CleverCards to Competitors


Zevoy is a Helsinki-based platform that aims to create a simple, smart, seamless and efficient expense management solution for companies. It links smart payment cards to efficient expense management software, saving companies time and money. The company was founded in 2020 and is based in Finland.

Cape Card

Cape Card is a corporate card that helps you save money, simplify expense reports, manage virtual cards and access a line of credit.


Payhawk issues company cards and helps companies to manage their expenses by combining credit cards, payments, expenses, and cash into one integrated experiencе. It issues virtual and physical cards and allows users to pay bills with free bank transfers. It also reimburses employees without cards and automates data entry and reconciliation. Its corporate cards feature built-in spend policies for greater control.


Moss provides employee credit cards to track employee spending. It is primarily focused on providing a corporate credit card to startups and digital companies in Europe.

Yokoy Logo

Yokoy is a FinTech company that automates spend management for medium and large enterprises with artificial intelligence, combining expense management, supplier invoice management, and smart corporate cards into one single intuitive platform. Powered by machine learning and developed in its own AI research lab, the platform also monitors individual workflows and processes to make them more efficient and impactful over time. Yokoy was founded in 2019 and is based in Zurich, Switzerland.

Pliant Logo

Pliant provides virtual corporate credit card services through its mobile app. Employees can use these to pay for advertising or business trips. It allows users to put their card payment accounting on autopilot. The company offers fully digital card management and accounting software integrations combined with high limits, and card perks. Pliant was founded in 2020 and is based in Berlin, Germany.

Discover the right solution for your team

The CB Insights tech market intelligence platform analyzes millions of data points on vendors, products, partnerships, and patents to help your team find their next technology solution.

Request a demo

CBI websites generally use certain cookies to enable better interactions with our sites and services. Use of these cookies, which may be stored on your device, permits us to improve and customize your experience. You can read more about your cookie choices at our privacy policy here. By continuing to use this site you are consenting to these choices.