Every naira your company spends, under control
Corporate cards, expenses, reimbursements and treasury on one platform — with the controls finance teams actually need.
Self-serve setup in minutes. No sales call required.
Instant
Card issuance
2 currencies
NGN and USD spend
Real time
Authorisation controls
99.9%
Platform uptime target
One place for everything your money touches
Stop stitching together card providers, expense tools and payment portals. Tiva runs the whole spend stack on a single ledger.
Corporate cards
Issue unlimited virtual and physical cards in Naira and Dollars. Every card carries its own limit, merchant rules and expiry.
Expense management
Receipts are matched to transactions automatically. Employees get nudged, finance stops chasing.
Reimbursements
Staff submit out-of-pocket spend from their phone and get paid on the next run — no spreadsheets.
Direct bank transfers
Pay vendors and salaries straight from your treasury to any Nigerian bank account — verified by name enquiry before a naira leaves.
Treasury
Hold multi-currency balances, fund programs from your treasury wallet and sweep idle cash where you need it.
Real-time reporting
Spend by team, vendor, project or card the moment it happens. Close the month in hours, not weeks.
Policy enforced before the money leaves
Rules live on the card, not in a document nobody reads. Out-of-policy spend is declined at authorisation, so there is nothing to claw back later.
- Per-card, per-team and per-category limits
- Merchant and MCC allow/block lists
- Multi-step approval chains by amount
- Freeze, unfreeze or terminate a card instantly
- Budget owners with delegated authority
- Full audit trail on every change
Live in days, not quarters
Verify your business
Submit your CAC documents and directors once. We handle KYB end to end.
Fund your treasury
Top up your Naira and Dollar wallets from your existing bank accounts.
Issue cards & rules
Invite your team, set limits and approval chains, and issue cards instantly.
Stay in control
Watch every naira and dollar in real time and export clean data whenever you need it.
Built to the standards your auditors ask about
PCI DSS
Card data handled inside a PCI-compliant environment.
NDPR
Customer data processed under Nigerian data protection rules.
Licensed rails
Payments move over licensed partners and settlement banks.
Reconciled daily
Every wallet and card position reconciled against the ledger.