Connected stack
Northwind Pay
Issue virtual cards, set limits, freeze cards, and track spend from your phone.
Northwind Pay
Vertex Forge
Orion Ledger
UK CARD CONTROL
Create virtual debit cards, set spend limits, freeze cards, and get alerts as payments happen. Made for UK consumers and small businesses, with Apple Pay, Google Pay, and no credit card required.

Connected stack
Issue virtual cards, set limits, freeze cards, and track spend from your phone.
Northwind Pay
Vertex Forge
Orion Ledger






CARD CONTROLS
Create cards for online spend, subscriptions, and staff buys without sharing your main card.

Create cards for online spend, subscriptions, and staff buys without sharing your main card.

Set daily, weekly, or merchant caps in a few taps.

Lock a card in seconds, then turn it back on when needed.

Get a ping for every card payment so odd spend stands out fast.

Pay with Apple Pay or Google Pay on your phone.

Tag spend, add notes, and export records for tax time.
WHO IT HELPS
Keep family cards in one place, freeze lost cards, and see every payment at a glance.
Create cards for online spend, subscriptions, and staff buys without sharing your main card.
Set daily, weekly, or merchant caps in a few taps.
Lock a card in seconds, then turn it back on when needed.
Get a ping for every card payment so odd spend stands out fast.

Use case 01
Keep family cards in one place, freeze lost cards, and see every payment at a glance.

Use case 02
Give staff virtual cards, set spend caps, and track company buys without paper receipts.

Use case 03
Handle alerts, card locks, and exports from one screen when the day gets busy.
customer score

customer score
setup time
alert cover
spend rules
PRICING
1 virtual debit card One-tap card lock Live payment alerts Apple Pay and Google Pay Basic expense notes
£0
1 virtual debit card
One-tap card lock
Live payment alerts
Apple Pay and Google Pay
£12
5 virtual debit cards
Custom spend caps
Merchant and category blocks
Receipt tagging
Custom
Unlimited virtual cards
Team approval workflows
Bulk card freeze tools
Multi-user account access
Proof
“We gave staff cards in minutes and cut receipt chasing to almost nothing”

Mina Patel
Operations Lead @ Oak & Arrow
“Freezing a lost card takes one tap, so I do not worry when staff are on site”

Dan Rees
Founder @ Northbank Studio
“The alerts are clear, and our spend logs are ready for month end every week”

Clara Shaw
Finance Manager @ Brimwell Labs
Integrations
Issue virtual cards, set limits, freeze cards, and track spend from your phone.

Issue virtual cards, set limits, freeze cards, and track spend from your phone.

Issue virtual cards, set limits, freeze cards, and track spend from your phone.

Issue virtual cards, set limits, freeze cards, and track spend from your phone.

Issue virtual cards, set limits, freeze cards, and track spend from your phone.
The Map
Journal

Questions
Quick answers before visitors choose a product, service, or next step.
Create cards in the app for online spend, subscriptions, and staff buys without sharing your main card.
Yes. Tap once to freeze or unfreeze a card, then turn it back on when the payment is done or the card turns up.
Yes. You get instant alerts for each card payment, so odd spend stands out fast on your phone and in your inbox.
Yes. Add your card to Apple Pay or Google Pay and pay in shops, apps, and online with your phone in seconds.
Yes. UK sole traders and small teams can use cards, spend caps, and expense tracking in one place, with simple admin.
Free users get email help. Pro and Business plans get faster UK account support and setup help when a card issue comes up.
Get short notes on new card controls, payment support, and UK card tips. One email a month, no spam.