Want transparency and control of non-payroll spend?
We’ve got you.
Tedious accounting work?
Days to close your books?
We give you all the power.
Complex dashboards from 1997?
Not at tmam.
Four steps to smarter spending
Your business is smart, where your money gets spent should also
Register and get corporate cards for staff, separate from
your business bank account
Set your department budgets, spending policies and card
limits that work for you
Invite your team(s) to start spending using the cards and
track their usage in real-time against set budgets
Easily classify payments, upload receipts seamlessly through
the app and sync expenses to your accounting system
Issue virtual and physical debit cards with set limits in multiple
Enable faster purchasing and expense submission by giving every
employee access to the funds they need in a safe and secure
Get control and visibility over every payment your employees make
Set granular spend rules on where, how and on what people can
purchase. Approve spend for specific items, such as training or
even work-from-home expenses.
AUTOMATED EXPENSE REPORTS
Never file an expense report ever again
Allow employees to snap/attach their receipts and submit digital
expense reports as soon as they make a spend. They can even split
their receipts into multiple expense categories.
Close your books faster with accounting integrations
Stop employees wasting time each month submitting and reconciling
expenses manually – with a few taps each expense can be
categorized and automatically synced to your accounting system
Create, manage and optimize department budgets
Empower finance teams to review real-time reports, build strategic
budgets and make informed decisions based on what’s actually being
Frequently Asked Questions
tmam is a company spend and expense management platform
that helps you simplify and control business spending and
makes it easy and quick to manage and reconcile all
company expenses. Together with a smart corporate card
tmam provides instant visibility and control of
tmam is not a bank account - we complement your business
account to offer more advanced and innovative financial
services that help you save time and money.
tmam is completely FREE with no hidden fees! All our
customers will have the ability to manage budgets,
expenses, issue physical and virtual cards, and so much
tmam works with licensed companies of all sizes and across
all industries. So as long as you have a valid trade
license and business bank account, you are all good.
Getting tmam for your company is easy and seamless.
Sign up here.
All you will need are copies of your:
Valid trade license
EmiratesID/Passport (for the signatory on the Trade
tmam takes care of matching receipts to the correct
transactions through our mobile application, which means
your employees can spend more time on work that matters
instead of filling out internal forms and Finance teams no
longer need to waste time chasing down receipts and
reconciling endless expenses.
Closing the books is also quicker with tmam. Finance teams
can customize tmam to fit their company’s accounting
structure, making financial reconciliation easy.
Your designated admins on the tmam platform have real-time
visibility into where their company spend is going over
time through Analytics and Insights which will help
eliminate unnecessary redundant spending.
We are constantly finding ways to help businesses save and
will provide exclusive reward based programs for all our
tmam offers both physical and virtual spending cards.
Virtual cards work the same as physical cards and can be
used at any merchant website where Mastercard is accepted.
Advantages of virtual cards include their instant
availability. They also cannot be lost and are offered
with a range of flexible usability options. Since they are
offered at no extra cost, separate virtual cards can be
issued for specific merchants or purchases with individual
settings tailored to the specific use case. That way, if
something is wrong with one card, there is no need to
update card data across multiple merchants.
Employees who need to spend online can access single-use
virtual cards for one-off purchases, or virtual recurring
cards for subscription management and digital ads.
Each virtual card comes with its own unique card details.
This is more secure than sharing the company credit card
on hundreds of websites. And cards can be frozen or
deleted at any time from within the platform.
All tmam cards are enabled for 3DS to ensure additional
protection for online purchases.
Yes, tmam complements your business account to offer more
advanced and innovative financial services that help you
save time and money.
Yes, completely! tmam uses AES 256-bit encryption to
protect your data, as well as Secure Sockets Layer (SSL)
endpoints. Your information is stored in highly secure
Microsoft Azure data centers that use state-of-the-art
electronic surveillance, multi-factor access control
systems and have multiple security and data protection
certificates, including SOC1, SOC2, SOC3, and ISO-27001.
Access to the tmam platform is secured by strong passwords
and two-factor authentication. Critical card data is
stored and processed in line with the payment card
industry’s very high data security standards (PCI DSS). In
addition, all tmam cards are enabled for 3DS to ensure
additional protection for online purchases.
tmam can be connected to most accounting systems. We have
integrations with Xero, QuickBooks, Zoho and more in the
tmam is the only all in one card in the region that has
built-in expense and spend tools that automatically does
your accounting for you. Your staff can use it for all
your company expenses without the need for them to ever
submit an expense claim again.