You want corporate cards and expense management in one platform, not a card with paid add-ons
You use Netvisor, Procountor, Talenom, Fortnox, or another Nordic accounting system and want expenses to flow there via direct API
Your employees travel and you need automatic traktamente or Finnish per diem calculation
You want ReceiptHero — automatic digital receipts from the point of sale
You need Swedish representationsmoms handled automatically
You need virtual cards and subscription management for SaaS spend control
You prefer transparent fixed pricing over annual card fees plus per-card add-on fees
You want to be onboarded in 30 minutes, not weeks of bank paperwork
You're in Finland and want a provider actively investing in the market
Feature | Zevoy | Eurocard / AirPlus |
|---|---|---|
Corporate cards | ✅ Own Visa cards | ✅ Visa (SEB Group) |
Virtual cards | ✅ Instant | ⚠️ Separate products (Purchasing Account, Single Use Account) |
Subscription cards | ✅ Dedicated card per service | ❌ |
Receipt scanning (OCR) | ✅ In-app | ✅ Smart Receipts add-on (375 SEK/year per card) |
Automatic receipt matching | ✅ ReceiptHero (auto digital receipts) | ✅ Smart Receipts auto-matching |
Expense categorisation | ✅ AI-suggested | ⚠️ Limited |
VAT code mapping | ✅ Per category | ⚠️ Limited |
Accounting integrations | ✅ 27 systems (API + template) | ⚠️ Claims 50+ via Cardlay/Kleers connectors |
Nordic accounting depth | ✅ Direct API to Netvisor, Procountor, Fortnox, Talenom + 12 more Finnish systems | ❓ 50+ claimed — unclear if Nordic-specific systems have direct API |
Traktamente (Sweden) | ✅ Automatic per Skatteverket | ❌ |
Per diem (Finland) | ✅ Automatic calculation | ❌ |
Mileage claims | ✅ Built-in | ❌ |
Approval workflows | ✅ Multi-tier | ⚠️ Limited |
Expense claims | ✅ | ⚠️ Limited |
Real-time expense visibility | ✅ | ⚠️ Via Smart Receipts |
Representation VAT (Sweden) | ✅ Built-in | ❌ |
ReceiptHero | ✅ Auto digital receipts | ❌ |
Onboarding time | ✅ ~30 minutes | ⚠️ Bank-level KYC process |
Pricing | Fixed monthly | Annual card fees (from 525 SEK/year) + Smart Receipts add-on (375 SEK/year per card) |
Eurocard's core product is a corporate card. Receipt management exists as a paid add-on — Smart Receipts at 375 SEK/year per card, delivered through integration partner Cardlay. Zevoy is a unified expense management platform where cards, receipt automation, travel claims, approval workflows, and accounting integrations are all part of one product. No add-on fees, no separate modules.
AirPlus (Eurocard's parent brand) claims 50+ accounting system integrations via Cardlay and Kleers connectors. These are likely generic ERP connectors — it's unclear how many offer direct API connections to Nordic systems like Netvisor, Procountor, Fortnox, or Talenom. Zevoy has verified direct API integrations with all major Nordic accounting systems, including 12+ Finnish-specific platforms.
Zevoy calculates Swedish traktamente according to Skatteverket rules and Finnish per diem (päivärahat) automatically. Mileage claims for both countries are built in. AirPlus/Eurocard offers none of this — travel expenses require a separate system or spreadsheet.
Is Eurocard cheaper than Zevoy?
Eurocard charges annual card fees from 525 SEK/year per card. Smart Receipts — their receipt management add-on — costs an additional 375 SEK/year per card. Zevoy uses fixed monthly pricing that includes cards, expense management, and accounting integrations. For companies that need more than just a payment card, Zevoy's all-inclusive pricing is often more cost-effective.
Can I switch from Eurocard to Zevoy?
Yes. Zevoy's onboarding takes about 30 minutes with our Customer Success team. Virtual cards are available instantly, and physical cards arrive in 5–7 business days. You can run both systems in parallel during the transition.
Does Zevoy work with Fortnox?
Yes. Zevoy has a direct API integration with Fortnox. Expenses, receipts, VAT codes, and cost centres sync automatically.
Does Eurocard have expense management?
Eurocard offers Smart Receipts — a receipt capture and OCR add-on built through integration partner Cardlay, priced at 375 SEK/year per card. It handles receipt scanning and auto-matching to transactions. However, it's an add-on to a card product, not a full expense management platform. Travel claims, per diem, mileage, representationsmoms, and deep Nordic accounting integrations are not part of the offering.
What is AirPlus? Is it the same as Eurocard?
AirPlus is the corporate brand that Eurocard is transitioning to. SEB Group is rebranding its corporate card products under the AirPlus name. In Finland, Eurocard has stopped accepting new corporate card customers. In Sweden, the Eurocard brand may still be recognised, but the corporate product direction is AirPlus.
Eurocard (now rebranding to AirPlus) gives you a Visa corporate card with optional receipt add-ons. Zevoy gives you corporate cards, expense management, travel claims, and direct Nordic accounting integrations — all in one platform. Here's how they compare.
Zevoy Aktiebolag
Eteläesplanadi 24 A
00130 Helsinki
Finland
Business ID: 3147751-4
Zevoy is a fintech company founded in 2020. Zevoy Aktiebolag is a Finnish electronic money institution regulated and authorized by the Finnish Financial Supervisory Authority. The company cards are issued by Zevoy Aktiebolag under a license from Visa Europe Limited. Our HQ is in Helsinki, Finland and in addition to our home market we also serve Sweden, Norway, Denmark, Germany, France, Belgium, The Netherlands, Spain, Portugal, Estonia, Lithuania and Latvia.