The merchant category is a clue, not the whole purchase
Category-based controls can support a spending policy, but the business still needs to understand the actual goods or services bought from a merchant.
2 min read · 18 Oct 2026
ALFA Debit
From digital value to everyday use.
Inside the ALFA Debit programme and the systems behind digital spending.
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A refund can reopen a closed expense report
When a merchant returns money after an expense was approved and exported, the business needs an adjustment linked to the original allocation and evidence.
2 min read · 18 Oct 2026
The holiday calendar sits behind the funding promise
A customer-facing availability message should reflect the actual dependencies of the funding route, including institutions and processes that do not operate on the same timetable.
2 min read · 18 Oct 2026
The bank statement and card account should tell one funding story
Business users need a traceable connection between money leaving a source account and value appearing in the card programme, including any intermediate conversion or adjustment.
2 min read · 18 Oct 2026
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