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Payments · Staff expense cards
The school's money, with guardrails.
Issue physical and virtual cards to staff for classroom supplies, kitchen orders and event spending — each with its own budget, category limits, and automatic receipt capture.
Physical & virtual cardsPer-card budgetsCategory locksReceipts captured at purchaseFreeze in seconds
613OS is a financial technology company, not a bank. Banking services, deposit accounts, and cards are provided through licensed partner banks, Members FDIC. Card programs subject to approval.
0reimbursement forms filed by teachers ever again
1 budgetper card — enforced by the card, not by email
Secondsto freeze a lost card from a phone
Real timeevery swipe visible to the business office as it happens
Sound familiar?
The problems we built for
01 · The shared credit card problemOne institution card and its number floating through the building — or teachers fronting personal money and waiting a month for reimbursement.
02 · Spending discovered after the factThe statement arrives and the questions begin: who bought this, for what, and where's the receipt?
03 · Reimbursement paperwork purgatoryTeachers submitting envelopes of crumpled receipts; bookkeepers typing them in; everyone resenting the process.
What you get
Built for your money
Cards for every needPhysical cards for the kitchen and facilities; instant virtual cards for online orders, subscriptions and one-time vendor payments.
Per-card budgets & limitsEach rebbi's classroom budget, each department's monthly cap — enforced by the card itself, not by after-the-fact emails.
Category controlsLock cards to relevant merchant categories — the supply card works at the office store, not the electronics store.
Instant receipt captureCardholders snap a photo at purchase; transactions match receipts automatically. Reimbursement paperwork: extinct.
Real-time visibilityEvery swipe visible to the business office the moment it happens, coded to budget lines as it occurs.
Freeze & reissue instantlyLost card frozen from a phone in seconds, reissued in clicks — no calling a bank, no waiting on hold.
The business office view
Every card, every budget, on one screen
Who has a card, what it may be used for, what's left this month, and which receipts are still missing — live, not at month end.
| Cardholder | Card | Budget | Spent | Receipts |
|---|---|---|---|---|
| Rebbi · Grade 5 | Virtual · supplies | $600 / mo | $412.80 | All matched |
| Kitchen | Physical · groceries | $4,000 / mo | $3,118.40 | 1 missing |
| Facilities | Physical · hardware | $1,500 / mo | $287.00 | All matched |
| Dinner committee | Virtual · one-time | $2,500 cap | $2,500.00 | All matched |
| Camp director | Physical · frozen | $0 | — | Frozen Oct 9 |
Sample data. A purchase outside a card's category or budget simply declines.
Missing receipt? One nudgeThe cardholder gets a reminder with the transaction attached; the photo they snap closes it.
Coded as it happensEach swipe lands on its budget line the moment it clears — the books are current on the 31st without a reconciliation weekend.
Reset monthly, automaticallyBudgets refill on the 1st; one-time cards close themselves when the event is over.
How it works
Issued in minutes, controlled by design
1IssuePick the staff member, choose physical or virtual. Virtual cards are ready to use immediately.
2Set the guardrailsBudget, monthly cap, merchant categories, single-use or recurring. Change them any time from a phone.
3SpendThe card declines anything outside its rules. No approvals chasing, no personal money fronted.
4Snap the receiptTransaction and receipt match automatically, coded to the budget line, exported to the books.
We specialize in lowering card rates for 501(c)(3) organizations: schools and shuls typically save 30–40% on card fees after we take over the account.
No-cost option: compliant surcharging or a pass-through line on your own tuition contract or dues statement — the institution pays nothing to accept cards, and ACH is never surcharged.
Every other platform earns more when you spend more. 613OS earns more when you collect more.
We earn on what flows through the platform — that's the whole model. Collect it, spend it, and earn on it — the complete money layer, from one company.
Explore more
Related
Banking & yieldSame-day deposit availability and interest on balances, in named buckets.Learn more →ACH — in & outVendors, payroll and reimbursements paid out with approvals and a trail.Learn more →Treasury reportingKnow where every dollar is, every day — deposits itemized to the payment.Learn more →
Frequently asked questions
Who can get a card?
Anyone the business office decides: a rebbi with a classroom budget, the kitchen, facilities, the camp director, the event committee. Physical cards for in-person spending; instant virtual cards for online orders, subscriptions and one-time vendor payments.
How are budgets enforced?
By the card itself. Each card carries its own budget and monthly cap, and can be locked to relevant merchant categories — the supply card works at the office store, not the electronics store. A purchase outside the limit simply declines; no after-the-fact emails.
What happens to the receipt?
The cardholder snaps a photo at purchase and the transaction matches the receipt automatically, coded to its budget line. Envelopes of crumpled receipts and reimbursement forms are extinct.
What if a card is lost?
Freeze it from a phone in seconds and reissue in clicks — no calling a bank, no waiting on hold.
Is 613OS a bank?
No. 613OS is a financial technology company. Banking services, deposit accounts and cards are provided through licensed partner banks, Members FDIC. Card programs are subject to approval.
Let's talk about your numbers
Bring a recent processing statement and bank statement to your demo — we'll show you the savings and the yield, line by line.
613os.com/demo · 305-954-7362 · yoni@613os.com