Virtual Cards vs Jibat

VIRTUAL CARDS & BUSINESS EXPENSE MANAGEMENT MADE SIMPLE Transform your business spending with instant virtual cards and complete expense control. Issue cards to employees, contractors, and vendors with preset limits and real-time monitoring - physical cards also available. INSTANT VIRTUAL CARD CREATION • Launch cards in seconds with custom spending limits • Virtual cards for online purchases and subscriptions • Physical cards available - printed and shipped within days • Mobile payment platform integration for contactless payments • Unique 16-digit numbers for enhanced security BUILT FOR BUSINESS EXPENSE MANAGEMENT • Employee expense cards with automatic spending controls • Contractor and vendor-specific payment cards • Subscription management with auto-expiring cards • Eliminate manual expense reimbursements • Perfect for startups, SMBs, and enterprise teams GRANULAR SPENDING CONTROLS • Set budgets before cards are used, not after • Time-based restrictions (business hours only) • Location controls (specific cities, states, countries) • Merchant category restrictions (block gambling, limit restaurants) • Per-transaction and daily spending limits • Vendor-specific cards with preset amounts AI-POWERED EXPENSE AUTOMATION • Automated receipt capture via SMS and app notifications • Intelligent transaction categorization and itemization • Automated expense report generation • Real-time spending analytics and budget insights • Export data for QuickBooks, Xero, and other accounting software ENTERPRISE-GRADE SECURITY • Bank-level encryption and fraud protection • Instant freeze/unfreeze capabilities • Biometric authentication through digital wallets • Tokenization for enhanced payment security • Secure card deletion with immediate deactivation COMPLETE FINANCIAL OVERSIGHT • Real-time spending notifications and alerts • Comprehensive analytics dashboard • Multi-user roles with approval workflows • Spending trends and budget variance analysis • Custom reporting for finance teams PERFECT FOR EVERY BUSINESS •Startups: Control team spending as you scale •Small Business: Eliminate expense reimbursement hassles •Remote Teams: Issue cards with location-based controls •Enterprises: Manage complex approval workflows •Agencies: Client-specific project spending cards WHY CHOOSE VIRTUAL CARDS? • Instant issuance vs. weeks with traditional banks • Granular controls vs. basic spending limits • AI automation vs. manual expense tracking • Flexible card types vs. one-size-fits-all solutions • Real-time oversight vs. monthly statements • No annual fees or hidden charges USE CASES: • Online advertising and marketing spend • Software subscriptions and SaaS tools • Travel and entertainment expenses • Office supplies and equipment purchases • Contractor and freelancer payments • Emergency business expenses GETTING STARTED: 1.Download the app and create your business account 2.Fund your wallet via bank transfer or existing cards 3.Issue virtual cards with custom limits and restrictions 4.Monitor spending in real-time with detailed analytics 5.Automate expense reports with AI-powered receipt capture

Time has value. Know where yours goes. Clock in, and Jibat works out your pay the way your job actually pays it: overtime, Sunday and night rates, holiday pay, tips and bonuses. Then it tells you what should land on payday, so you can check your paycheck in seconds. No account, no sign-up, no bank connection. Your earnings stay on your iPhone and never touch our servers. EVERY SHIFT, PRICED - Overtime by the week or the day, 1.5x, 2x or your own number, and double time after long days - Sunday, night and holiday rates that stack on overtime the way payroll does - Tips, bonuses, commission, call-out pay, and "paid for 10 hours, worked 7" - Tap any amount to see exactly how it was worked out TIMERS THAT DON'T LOSE TIME - Clock in from the app, your Lock Screen or a Home Screen widget - Pause for breaks, run two jobs at once, and get a nudge if you forget to clock out - Or log a shift afterwards. Midnight, time zones and daylight saving are handled KNOW YOUR PAYCHECK BEFORE PAYDAY - Add your usual shifts and see what this week and month should pay - Jibat knows your pay period. On payday, enter what you got and see at once if it matches what you worked - Reminders before shifts and on payday. Notifications never show amounts COSTS, TAX AND INVOICES - Gas, fees and miles at the IRS rate or your own, so you see what you kept, not just what you earned - Optional tax set-aside: a percent you pick or US tax brackets. An estimate from your own setup, never advice - Invoices in a minute: Jibat fills in the work not billed yet. Share the PDF or email it, then mark it paid - Export a CSV whenever you need one MORE THAN PAID WORK - Track studying, volunteering or workouts with the same timer, a goal, notes and an hours report, kept apart from your pay - Focus mode: a countdown with breaks on the timer that's running (Pro) MADE FOR PAY THAT ISN'T SIMPLE Retail and warehouse, restaurants and bars, nurses and care staff, rideshare and delivery, freelancers, students, and anyone with two or three jobs. Each job gets its own rate, rules, payday and color. PRIVATE BY DESIGN - Works offline: track, price, invoice and back up without internet - Hide amounts with one tap, and lock Jibat with Face ID or your passcode - Anonymous feature usage is shared only if you say yes, and never includes your earnings - Back up to your own iCloud Drive, or move to a new phone with a transfer file you control FREE AND PRO Jibat is free for one hourly job, one gig source and one salary, with overtime, tips, schedules, reminders, costs, tax set-aside, one invoice a month and the last 90 days of history. Jibat Pro adds every job you have, automatic Sunday, night and holiday rules, your full history, weekly, monthly and yearly goals, six-month trends and paycheck history, unlimited projects and invoices, Focus mode, a daily backup to iCloud Drive, and the large widget. Try Pro free for 14 days with no card and nothing to cancel, or subscribe from the start. SUBSCRIPTION DETAILS Jibat Pro is $4.99 a month or $29.99 a year in the US; prices vary by country and are shown before you buy. Launch offer for new subscribers until January 31, 2027: $24.99 for the first year of the yearly plan, then $29.99 a year. Payment is charged to your Apple Account when you confirm. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in Settings > your name > Subscriptions. Deleting the app does not cancel a subscription. Terms of Use: https://jibat.app/terms.html Privacy Policy: https://jibat.app/privacy.html Jibat gives estimates from what you enter. It is not payroll, tax or legal advice.