Boya

Boya is an all-in-one spend management platform for finance teams that combines corporate cards, expense management, bill payments, and business accounts to track and control company spending.

Key capabilities include:

• Corporate cards (virtual and physical): Issue unlimited cards with spend limits, real-time tracking, merchant category blocks, and SMS transaction confirmations; cards are accepted globally with zero fees.
• Corporate mobile money wallets: Create company wallets with dynamic controls so teams can make mobile money payments without sending funds to employees’ personal phone numbers.
• Expense management and approvals: Automate receipt collection (including tax-law compliant receipt capture), categorize transactions with cost labels, and monitor spend in real time from a central dashboard.
• Bill payments and accounts payable: Collect and approve vendor invoices with custom approval workflows, then pay via bank transfers, mobile money, and multiple currencies.

Available on Web, Android, iOS, and API via the Boya API.

Designed for businesses of all sizes, including mid-to-large organizations that need centralized oversight across teams, branches, and budgets.

Notable in African market contexts where mobile money is widely used, it supports corporate mobile money wallets and tax-compliant receipt capture, while also offering accounting and ERP integrations (including QuickBooks, Xero, SAP, Microsoft Dynamics, and NetSuite) to help finance teams reconcile and close books faster.