PhotonPay Launches Physical Mastercard Commercial Credit Card

Who is PhotonPay?

PhotonPay is a Hong Kong–based fintech company founded in 2015, providing secure and modern financial solutions to businesses worldwide.

With over 200,000 business clients,it offers services like :

• Multi-currency digital accounts
• Virtual + Physical credit cards
• International payments and payouts
• FX (foreign exchange) management
• API-based financial tools

The company is PCI-DSS Level 1 certified and GDPR-compliant, ensuring high security standards. Its partnerships with Mastercard and Discover® Global Network strengthen its global reach.

PhotonPay’s mission is to simplify and modernize how businesses handle global payments and financial operations.

💳 What’s Special About the New Physical Card?

PhotonPay’s new Physical Mastercard Credit Card is designed for business spending across borders. It combines multi-currency features, real-time controls, and secure infrastructure.

Key Features of the Card:

• Mastercard Network – Accepted in 200+ countries
•  Multi-currency Support – Spend in multiple currencies with one card
•  Physical + Virtual Options – Issue cards digitally or physically
•  Real-time Expense Tracking – Monitor spending instantly
•  Smart Controls – Set limits, freeze/unfreeze, control by category (MCC, time, amount)
•  AI-based Fraud Protection
•  Admin Dashboard – Control every card from a central platform
•  Shared & Individual Cards – For team or employee-based usage

This card offers businesses the ability to manage local and global expenses easily from one system.

⚖️ Comparison: How Does It Stack Up Against Other Providers?

PhotonPay’s offering competes with companies like Airwallex, Brex, and Ramp. Here’s how they compare in key areas:

Comparison Table:

Feature	PhotonPay	Airwallex	Brex (US)
Physical + Virtual Cards	✅ Yes	✅ Yes	✅ Yes
Multi-currency Support	✅ (60+ FX)	✅ Limited	❌ Mostly USD
Spend Control Tools	✅ Advanced	✅ Custom limits	✅ Budgeting & rules
FX Savings	✅ Yes	✅ Yes	❌ No
API Integration	✅ Available	✅ Available	✅ Available

PhotonPay stands out especially in multi-currency handling, real-time control, and the ability to combine physical + virtual cards for global business use. It’s especially useful for companies with international teams, clients, or operations.

📈 Market Impact – What Difference Will It Make?

This launch has the potential to change how small and medium businesses handle global finances. It brings more flexibility, better cost control, and speed to international transactions.

Expected Impact:

• Faster and cheaper global payments
•  Greater control over employee and operational spending
•  Increased competition in fintech and business banking
•  Improved user experience and transparency
•  Stronger position for Mastercard in Asian fintech markets

PhotonPay empowers businesses of all sizes—especially startups and mid-sized firms—to handle global payments like large enterprises.

Official Statement from the Company

PhotonPay’s CEO, Lewison Chen, shared:

“The launch of the physical Mastercard Commercial Credit Card marks a significant step in PhotonPay’s global payment strategy. We’re proud to offer businesses a secure, flexible, and efficient tool to manage their spending across the world.”

This statement was released via PR Newswire and published by several business news portals.

Outcome :

PhotonPay’s new physical Mastercard commercial credit card is a smart step forward for global businesses. With real-time tracking, multi-currency spending, and secure controls, it simplifies cross-border business operations. It also brings better financial clarity and efficiency for business owners and finance teams.

Sources: PR Newswire, PhotonPay Official Website, Mastercard Newsroom, Yahoo Finance, Airwallex Website, FintechLabs.