RYVA | Property Spend, Perfected

The problem

Property spend is broken. Everyone accepts it.

Multi-property operators face the same chaos every month. It's not a discipline problem. It's a timing problem.

Zero visibility in the field

Contractors and techs swipe cards with no real-time oversight. By the time a charge hits your budget, it could be days later, if it shows up at all.

Receipts arrive late, or not at all

Paper receipts get lost, misplaced, or saved in the incorrect property file. Accounting then spends weeks chasing documentation before month-end close can even begin.

Hundreds of transactions sorted manually

Property assignment and GL coding still happen with every transaction, but RYVA captures them before the swipe instead of at month-end when no one remembers the details.

Overruns discovered after the damage is done

By the time you know a property is over budget, the money is already gone. Fraud and misuse don't happen in accounting. They happen in the field.

500-unit portfolio · monthly cost

What this problem actually costs you

Manual reconciliation at $50/hr $2,000

Transaction follow-up & staff time $2,500

Delayed visibility & budget decisions $1,000

Missed fraud, errors & overcharges $1,333

Late payments & missed discounts $1,500

Estimated monthly loss

~$8,333

Corporate cards, property software, and banking tools all miss the same thing: no control at the moment money is spent.

The RYVA insight

Control spend before the swipe.

RYVA changes when control happens. Before any card swipe, context is captured and validated automatically.

Select the property

Funds route from the correct property account. No mis-attribution. No manual reassignment later.

Select the expense category

GL codes assigned at point of intent. Transactions auto-categorize and appear in accounting instantly.

Verify identity

Biometric or PIN confirmation enforces that only authorized users can initiate spend on each property.

Swipe and the ledger is already done

Receipt captured at purchase. Dashboard updates in real time. Virtually no reconciliation. No reimbursements. No guesswork.

9:41 5G 100%

Sunset Ridge Apartments

Property selected from portfolio

Funds routed

Maintenance — Plumbing

GL code auto-assigned

Categorized

Face ID verified

Biometric confirmation

Authorized

Card active — ready to swipe

Receipt auto-captured at purchase

Ledger updated

Swipe enabled

Platform

Everything your team needs. Nothing they don't.

One platform for field staff, property managers, and accounting, each with the right view, the right controls, the right data.

One card, every property account

One physical card linked to every property account. Before each swipe, select the property and expense category. Funds route to the right account automatically. No personal cards, no reimbursements.

Patented

Purchase lists and work order notes

Build a shopping list tied to a work order before heading to the store. Check off items as you go. At purchase, the full list attaches to the transaction, no receipts lost, no mystery charges.

Receipt capture at point of purchase

Snap a receipt the moment you pay. It's attached to the transaction immediately, no scanning later, no chasing paper. The record is complete before you leave the store.

Face ID and PIN authorization

Every swipe requires biometric or PIN confirmation. Only authorized users can charge a property, misuse is blocked before it happens, not caught weeks later in an audit.

Real-time spend dashboard

Every transaction updates your dashboard the moment it happens. See spend by property, category, or team member in real time, not at month-end. No waiting, no surprises.

Property-level budget controls

Set spend limits per property, per category, or per user. Automated alerts fire the moment a threshold is approached. Budget overruns are prevented, not discovered after the fact.

Fraud and anomaly alerts

AI flags unusual spend patterns the moment they occur. Category-level controls block unapproved purchases at authorization. You're preventing fraud, not auditing it after the fact.

Smart approval workflows

Route approvals based on amount, category, and property automatically. Large purchases require sign-off before the card works. No retroactive enforcement needed.

Near-zero reconciliation overhead

Context is captured before every swipe, so transactions arrive pre-categorized. There is virtually nothing to reconcile at month-end. Your team gets those 40+ hours back, every month.

82% time reduction

Automatic GL coding

Expense categories map directly to your chart of accounts at the moment of purchase. Transactions hit the ledger already coded, no manual entry, no correction passes.

Accounting system sync

On clearing, transactions are pushed to your accounting platform as fully categorized journal entries with attached receipts. QuickBooks, Yardi, and more, no import process required.

Audit-ready records by default

Every transaction carries an immutable record: who spent, which property, what category, what was purchased, and the receipt, from the moment of intent through settlement. No reconstruction needed at audit time.

See where every dollar is going, right now

Not next month. Not when accounting finishes reconciling. Right now. One dashboard shows live spend across every property, every team member, every category. You stop guessing and start deciding with real numbers.

No one can overspend without you knowing

Set budgets per property and per category. If a maintenance tech tries to buy something outside their approved scope or over the limit, the card declines at the register. You find out before the money leaves, not after.

Hand out cards without handing over control

Every card is dead until the user picks a property, selects a category, and confirms their identity. One card per person, every property account. No personal card reimbursements. No surprise charges. No trust required.

The platform pays for itself in days

82% less reconciliation labor. Fraud exposure cut by 85%. Most operators recover the annual subscription cost in the first billing cycle.

For field staff

In, out, done.

Field staff spend an average of 8 minutes per purchase on paperwork. With RYVA, that's 58 seconds, and accounting already has everything they need.

58 secs

Per transaction vs. 8 minutes

Expense reports filed

Personal cards used

100%

Transactions traceable

For property managers

Control before it happens.

Stop discovering overruns after the damage is done. See every dollar moving across your portfolio in real time, and block what shouldn't happen before it does.

Live spend feed across all properties and categories

Alerts when any property approaches budget threshold

Category-level blocks prevent unauthorized purchases at swipe

Role-based access, field staff only see their assigned properties

Full transaction history with receipts, notes, and work order links

For accounting teams

Month-end in minutes.

Internal beta operators report an 82% reduction in reconciliation time in their first month. The work doesn't get faster, most of it simply goes away.

82%

Less reconciliation time

40h

Recovered per month

Near 0

Manual GL entries

100%

Audit-ready on day one

For owners & executives

Your money. Your rules.

You built the portfolio. You sign the checks. RYVA gives you the controls so every dollar is accounted for before it leaves the account, not chased down weeks later by your accounting team.

100%

Spend visible in real time

Unauthorized transactions

Every card is inert until property, category, and identity are confirmed

Budgets enforced at the register, not reviewed at month-end

Full audit trail from intent to settlement on every transaction

Platform pays for itself within the first billing cycle

Why RYVA is different

A new category in property payments.

Ramp and Brex control spend after it happens. AppFolio tracks it. RYVA is purpose-built to enforce context before authorization.⁴

Full support

Partial / limited

Not available

Feature	Ramp / Brex	AppFolio / Yardi	Property Banking	RYVA Purpose-built
Spend Control
Pre-transaction authorization?Context (property, category, identity) is captured before each swipe. The card won't work until authorization is complete. No other platform does this.
Auto property assignment at swipe?Funds route from the correct property operating account at authorization. Ramp/Brex assign to departments, not property-level entities.
Category-level spend blocks?Ramp/Brex offer merchant category restrictions. RYVA blocks unapproved categories at the pre-authorization layer, before the transaction is even attempted.
One card for all property accounts?RYVA issues a single physical card that dynamically routes to any property account at the moment of purchase. With Ramp/Brex, each card is tied to a single account, so operators managing multiple properties need multiple cards or manual reconciliation. Property software issues no cards at all.
Accounting & Reconciliation
Near-zero reconciliation overhead?Because context is captured before the swipe, transactions are pre-categorized. Ramp/Brex auto-categorize after the fact but still require review. AppFolio requires manual transaction entry.
Eliminates reimbursements?All spend flows through a single company-issued RYVA card that routes to any property account, eliminating reimbursements entirely. With Ramp/Brex, each card is tied to one account, so employees working across multiple properties often resort to personal spend and reimbursement requests. AppFolio has no card program.
Automatic GL coding at purchase?RYVA assigns GL codes at the moment of intent, before the swipe. Ramp/Brex auto-categorize after the transaction clears. AppFolio supports GL but requires manual or AI-assisted entry.
Accounting system sync?Ramp/Brex sync to QuickBooks, Xero, NetSuite. RYVA syncs to those plus property-specific platforms like AppFolio and Yardi. AppFolio has native accounting but no card spend sync.
Intelligence & Fraud
AI receipt validation?RYVA's AI reads every receipt line item and matches against GL codes. Ramp auto-generates receipts for some merchants but doesn't validate line items against budget categories.
Real-time anomaly detection?Ramp/Brex flag unusual spend patterns and duplicate subscriptions. RYVA adds property-level anomaly detection, flagging spend that deviates from per-property budgets in real time.
Identity verification per swipe?RYVA requires biometric or PIN confirmation before every card use. Ramp/Brex verify identity at card issuance, not at each transaction. Anyone holding the physical card can swipe it.
Real Estate Specific
Built for multi-property / multi-entity?RYVA is designed from the ground up for operators running spend across dozens or hundreds of property-level entities. Ramp/Brex support departments but not property-level entity separation. AppFolio manages properties but has no card controls.
Purchase lists tied to work orders?Field staff build shopping lists linked to work orders before heading to the store. Items are checked off and attach to the transaction automatically. No other platform offers this.
Property-level budget controls?RYVA enforces budgets per property, per category, blocking overspend at authorization. Ramp/Brex set budgets by department. AppFolio tracks budgets for reporting but can't enforce at point of purchase.

The platform

Five pillars. One card.

Everything property operators need to control spend, virtually eliminate reconciliation, and gain real-time clarity across their entire portfolio.

Card Issuance

One physical card per team member, linked to every property account in your portfolio. The card activates dynamically based on the property and category selected before each swipe. No separate cards per property or per entity.

1 card

Per person, unlimited properties

Spend Controls

Enforce budgets per property, per category, per user at the moment of intent. Category-level blocks, time-based limits, and biometric verification ensure every dollar is authorized before it leaves the account.

Pre-auth

Enforced at swipe, not after

Vendor Payments

Pay vendors via card or ACH directly from the correct property account. Purchase lists tie to work orders before the trip to the store. Every line item is tracked, documented, and coded to the right GL account automatically.

Card + ACH

Both channels, one workflow

Real-Time Visibility

Every transaction updates your dashboard the moment it happens. See spend by property, category, team member, or time period live. Anomalies are flagged instantly, not discovered weeks later during reconciliation.

Live

Not at month-end. Right now.

Accounting Automation

GL codes assigned at the moment of purchase. AI validates every receipt line item against the transaction. On clearing, fully categorized journal entries push to your accounting system with receipts attached.

Near-zero

Manual entries at month-end

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Pricing

Start free. Scale as you grow.

Zero monthly SaaS fees for core infrastructure. Pay per active user. We monetize through interchange so our incentives align with yours.²

Core

$0_/month

Free · ACH $1/transaction

Everything you need to get started with property-specific card payments and basic controls.

Card & ACH payments
Receipt capture
Transaction packaging
Property & job tracking
1 organization included
Accounting sync
Eliminates reimbursements

Start free trial

Frequently asked questions.

What are the payment terms?

The RYVA Card is a pay in full charge card. Any outstanding statement balance will be automatically debited on each monthly payment due date from your designated bank account or RYVA Balance. If your account cannot be successfully debited on the payment due date, your card may be locked and you won't be able to make new purchases until your balance has been repaid. Late fees may apply.

Does the RYVA Card have an APR or interest rate?

No, the RYVA Card does not have an APR or interest rate so long as your outstanding balance is paid in full each month.

Will the RYVA Card affect my credit score?

The RYVA Card does not perform a credit check on you or your business and will not impact your credit score in any way. Your business performance is used and periodically reviewed to assess qualification for initial credit and future credit increases.

What will my credit limit be?

Your RYVA Card credit limit is based on your business financials. To receive a credit limit that is best suited for your business, it's recommended to connect all business bank accounts.

What does the application process look like?

The application process typically takes less than 3 minutes. All that's needed is some information on you and your business in addition to connecting your business bank accounts. Once you complete your application, a decision is typically made in real time but can occasionally take up to 2 business days if further information is required.

How soon can I get my RYVA Card?

Once approved, your account will be immediately available for use. Your physical card will be mailed to you and will typically arrive within 5 business days from the date it's created. While you wait, you will have access to a virtual RYVA Card that can be used immediately for online purchases and be added to your mobile wallet.

Can I issue multiple cards?

Yes, you can issue unlimited virtual cards at no cost to your business so that each member of your team can have their own dedicated card. Physical cards are available for an additional fee.

Does the RYVA Card offer spend controls?

Yes. RYVA has custom spend controls that allow you to confidently manage your team spend by limiting cards usage to certain categories like fuel pumps or hardware, or by setting a specific card budget to limit the total spend a card can incur. Controls can be set per property, per user, per category, and per time period.

RYVA partners with CapitalOS and First Internet Bank of Indiana, Member FDIC, for the RYVA Card. Cards are issued by First Internet Bank of Indiana, pursuant to a license from Visa Inc. Depending on your location, credit is provided by either CapitalOS, Inc, CapitalOS Financial Services LLC, or First Internet Bank of Indiana, and the credit program is managed by CapitalOS.
The RYVA Card is a pay in full charge card. Any outstanding statement balance will be automatically debited on each monthly payment due date from your designated bank account or RYVA Balance. If your account cannot be successfully debited on the payment due date, your card may be locked and you won't be able to make new purchases until your balance has been repaid. Late fees may apply.
Reserved.
Competitive claims based on publicly available product documentation as of Q1 2026. Feature comparisons reflect general product capabilities and may not account for all configurations or recent updates.

Every dollar. Every property.
Controlled at the swipe.

Property spend is broken. Everyone accepts it.

Control spend before the swipe.

Eight steps become four.

Everything your team needs. Nothing they don't.

A new category in property payments.

Five pillars. One card.

Run the numbers.

The market has spoken.

Start free. Scale as you grow.

Frequently asked questions.

Stop reconciling. Start controlling.

Every dollar. Every property.Controlled at the swipe.

Property spend is broken. Everyone accepts it.

Control spend before the swipe.

Eight steps become four.

Everything your team needs. Nothing they don't.

A new category in property payments.

Five pillars. One card.

Run the numbers.

The market has spoken.

Start free. Scale as you grow.

Frequently asked questions.

Stop reconciling. Start controlling.

Every dollar. Every property.
Controlled at the swipe.