Your company spends anyway. Make that money count.
Swype puts every purchase on the card that earns the most, then turns the points into flights and hotels. That's about 5–8% back on what you already spend.
On the cards you already hold. The 5–8% is spend earning 3–4 points a dollar, at the 2.1¢ a point that transferred points typically fetch with airline and hotel partners; base-rate spend earns less.
A demo trip on the company's cards: Flight $420.00 on Venture X, 840 miles; Hotel $390.00 on Venture X, 780 miles; Getting around $101.42 on Venture X, 203 miles; Client dinner $140.00 on Amex Gold, 560 points. $1,051.42 in all earns the company 2,383 points. Its next flight to Chicago costs 25,000 miles and $39.60 instead of $420. Sample prices.
Today, the company pays and the employee earns.
The same client dinner, two ways. Only one of them earns anything for the business that paid for it.
If an employee still pays personally, they're reimbursed and those rewards stay theirs.
Today
- Paid with
- Employee's own card
- Paperwork
- Expense report later
- Policy
- Checked after
- Then
- Reimbursed
Points go toThe employee
With Swype
- Asked
- Alfi, in chat
- Policy
- Checked first
- Paid with
- Company card
- Receipt
- Matched
Points go toThe company
One trip, from the ask to the next flight.
1 Request
Maria asks Alfi for the Chicago trip.
flight, hotel, getting around and client dinner, priced in full before anyone spends a dollar.
I need to be in Chicago for the Northwind renewal, Nov 17 to 19.
- FlightUnited, nonstop$420.00
- HotelRiver North Suites$390.00
- Getting aroundRideshare$101.42
- Client dinnerRestaurant near the office$140.00
Total$1,051.42
2 Approve
Policy reads every line. Chris only sees the dinner.
3 purchases pass on their own. The client dinner is $20.00 over its limit, so it waits for a yes.
- FlightUnited, nonstop In policy
- HotelRiver North Suites In policy
- Getting aroundRideshare In policy
Needs a yes ApprovedChris WongSales director
$140.00
Client dinner: $20.00 over the $120.00 limit
3 Pay
Each purchase goes on the card that earns the most.
Venture X (2X) for the flight, hotel and getting around; Amex Gold (4X) for the client dinner. Finance books with the supplier and Swype records it.
- Venture X Business840 miles
- Ink Business Cash420 points
- Amex Business Gold420 points
What each company card would earn on the $420.00 flight
Dana Reyes, finance lead
- Flight $420.00 Booked
- Hotel $390.00 Booked
4 Earn
2,383 points, in the company's name.
Every receipt is matched to its purchase and the points it should earn. They post when each card's statement closes.
+2,383
1,823 Capital One miles + 560 Amex points, expected. Posted: 0 until each statement closes.
- FlightUnited, nonstop+840 miles Receipt matched
- HotelRiver North Suites+780 miles Receipt matched
- Getting aroundRideshare+203 miles Receipt matched
- Client dinnerRestaurant near the office+560 points Receipt matched
$1,051.42 all on company cards, so all of it earns for the company
5 Redeem
The next flight: 25,000 miles and $39.60.
Not $420 cash. Swype prices every trip both ways and only spends points when they win.
Next flight to Chicago, Dec 8–10118,750 Capital One Miles
- Cash
- $420.00
- Points
- 25,000 + $39.60
$122
potential savings, beyond the miles' usual 1¢ value.
Cash preserved: $380.40, not counted as savings. Sample award price.
A demo company with sample prices. Live award search isn't connected yet, and Swype never charges a card. What's real today
Points fly. Cash stays when it should.
The next Chicago trip, priced both ways. The flight is cheaper on points; the hotel isn't, so Swype says pay cash and keep the points for a better trip.
See it in Travel| Trip | Date | Cash | Points | Call |
|---|---|---|---|---|
| LGA-ORD | DEC 08 | $420 | 25,000+$40 | POINTS |
| CHI HTL | DEC 08 | $390 | 80,000 PTS | CASH |
Sample award prices, Dec 8–10. The flight uses 25,000 Capital One miles moved to Air Canada Aeroplan, plus $39.60 of taxes and fees.
A 50-person sample company could earn
$12,852
a year in flights and hotels, if the $198,000 its employees expense today went on the company's own cards: 612,000 points at about 2.1¢ each, what transferred points typically fetch.
Cashed out instead, it's $5,184. In business class, where points often reach 3–5¢, it's $18,360 or more. Valuations: The Points Guy, Upgraded Points and CardRatings, averaged.
- Spend smarter
- The decision comes before the money moves.
- Earn rewards
- On your cards, in your company's name.
- Travel for less
- Points go where they beat cash, and nowhere else.
An estimate before any Swype fee, from each card's published earn rates.
Demo trip · Acme Demo Co. · 3 seats
Run the trip yourself.
- Maria LopezAsks
- Chris WongApproves
- Dana ReyesBooks and reconciles
About a minute. Policy, card and rewards logic is real; suppliers, prices and payments are simulated.
Try the demoYour cards. Your rules.
- Rules decide, not the AI
- Checked again before anyone buys
- Over the limit is never bought
- No card numbers stored
What works today, and what's simulated?
Works in a pilot workspace
- Meal requests through Alfi, checked against versioned policy rules
- Approvals for anything over the limit
- Manual fulfillment: an admin buys each approved request on a company card; Swype records it with the receipt
- Statement matching that confirms each purchase's rewards
- Card choice and reward estimates from published terms for 33 US cards (15 business)
- Finance dashboard, CSV export and the savings estimate
- Travel: live cash fares and hotel rates, and trip requests with the points-or-cash math
Simulated in the demo
- The demo company, its people and point balances
- Restaurants, menus and checkout (a labelled sandbox)
- The business trip's suppliers, prices and bookings
- Award prices in Travel when signed out (labelled samples)
Built, waiting on credentials
- Live flight award search: needs a licensed data provider's key and written agreement
Planned
- Automatic ordering and payment through virtual cards on your own cards
- Ordering partners for real restaurants
- Team orders (a prototype today) and rides
- Trips with several purchases, and spend travelers pay on employee cards, matched to receipts
- Point balances read from issuer accounts (entered by finance today)
- Booking inside Swype (today you book with the airline or hotel)
Each piece is detailed on security and integrations.
How is this different from Ramp, Brex or Expensify?
Ramp and Brex give you their own cards. Expensify is built around expense reports. Swype works with the cards you already hold and checks policy before the purchase.
| Reimbursement | Spend platform with its own card | Swype | |
|---|---|---|---|
| Who pays up front | The employee | The company | The company |
| When policy is checked | After the money is spent | At the card terminal | Before the order, on the full total |
| Which card | The employee's own | A new card from the platform | The company's existing cards |
| Who earns the rewards | The employee | The company, on the platform's program | The company, on its own card's program |
General comparison of approaches; individual platforms differ.
How does Swype decide between points and cash?
Why keep our existing cards?
How does Swype make money?
What happens after we request a pilot?
Turn everyday spending into the next business trip.
Pilots start with work meals and the cards you already hold.