Funding for supplier payments, one transaction at a time.
Capital that moves with commerce.
Funding for supplier payments, one transaction at a time.
Ciao connects eligible virtual-card payments with committed capital—helping businesses preserve working cash and issuers support more payment volume.
Eligible. Booking: BKG 0417, eligible; Commitment: no reference, not yet; Cash: no reference, not sent; Collection: no reference, not due.
Follow one hotel payment from eligibility to collection.
The booking meets the program’s eligibility rules. No capital has been committed.
Creating a card doesn't fund the payment.
Virtual cards make supplier payments easier to manage. Funding them can still tie up a business's cash or draw on an issuer's capacity.
Ciao's approach is transaction-level funding: assess the payment and its supporting evidence, allocate capital, and provide funds within the agreed payment window.
Put less cash into payments.
Keep more working in your business.
When your card program requires funding upfront, paying suppliers can limit what you do next.
Ciao is designed to bring outside capital to eligible payments through card issuers, reducing reliance on your own cash.
More funding behind
your card program.
Support customers whose payment volume is constrained by available funding.
Ciao assesses transactions and coordinates funding commitments. You retain the issuing role and customer relationship.
More bookings shouldn't mean more cash tied up.
For a travel business, confirming a booking can mean funding a supplier payment before the money to cover it is available.
We're starting in travel, using booking and payment evidence to identify where transaction-level funding can help.
Once software begins transacting, working capital becomes a software dependency.
Software can compare suppliers, book a room and place an order. Funding needs to fit into that same workflow.
Projected growth in B2B virtual-card transaction value, 2025–2030.Source: Juniper Research, September 23, 2025
We believe businesses should be able to request capital alongside the payments their software creates, with decisions grounded in the underlying transaction.
We're starting with travel virtual cards, and building for commerce that runs on software.
Where could better funding take your business?
Whether you make supplier payments or issue the cards behind them, we'd like to understand where funding limits what you can do.
We're developing our first programs, starting in travel.
