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Clara
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    Corporate cardBlack, White and Virtual cards for your whole team.Spend managementEliminate manual reports and unexpected costs.TravelPayTravel expenses under control, with global acceptance.Accounts payableVendor payments and boletos in minutes, not days.Digital accountBusiness account (Conta PJ) with free Pix.Clara VeículosFuel across an open network of gas stations.

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The AI engine powering your financial growthThe AI engine powering your financial growth

From recovering notas fiscais to real-time forecasting, give your team a suite of intelligent agents that work 24/7 to protect your bottom line.From recovering notas fiscais to real-time forecasting, give your team a suite of intelligent agents that work 24/7 to protect your bottom line.

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Native AI powering your financial structure

Clara IntelligenceMonthly read

Company spend totaled USD 132.2K across 21 expenses, concentrated in the last two months. This month's USD 39K is down 58% from last month.

Sep 16, 2026↻ Regenerate
i

Marketing drives total spend

USD 52K, or 39% of all spend.

Next month forecastUSD 22,035
Avg approval time1 day
High confidence

Auto-approve Travel up to USD 500.00

Decisions
14
Approved
100%
Up to
USD 500.00
Typical wait
6 h

Backtest, last 90 days: would have auto-approved 14 · 14 approved by a human · 0 rejected

DismissActivate

More than 45,000 companies trust Clara

FilaNew BalanceBVInfracommerceCNAMottuOak BerryDengoSallve

AI that understands context, not just code.

+ Corporate credit card

  • The financial analyst agent

    Ask complex questions about spend trends or quarterly forecasts directly through our intuitive chat interface. Get instant answers grounded in data, to optimize your cash flow and make sure every card transaction aligns with your growth strategy.

  • Smart data extraction

    Instantly extract enriched data from any receipt. Our AI detects errors, categorizes expenses, and validates vendor details with 99% precision.

  • Automated nota fiscal recovery

    Stop chasing vendors. Clara automatically turns simple receipts into valid notas fiscais, ensuring 100% tax compliance without manual intervention.

Clara Intelligence agents

The Policy Agent applies your company’s rules to every card transaction and explains what needs attention.

Meet the Policy Agent

The smartest platform for your Clara cards

Take full control of your company’s spending with the Clara Platform. Available wherever you are, for admins and cardholders alike, and fully powered by Clara Intelligence.

Explore Our Platform (opens in a new tab)

Stop paying for bureaucracy

Hours saved per year
>240
Days reclaimed annually
12+
Days of productivity
43K+

Talk to your data with Clara Intelligence

Get automatic, real-time insights and spot trends, risks, and opportunities clearly. More speed and precision for the decisions that matter.

See the demo (opens in a new tab)

Clara Intelligence

What did the team spend the most on this quarter?

Software and travel account for most of this quarter’s spend. Here’s the breakdown by category.

Spend by category · this quarter: Software 38%, Travel 27%, Marketing 19%, Other expenses 16%

  • Software grew 12% over last quarter, mostly from new licenses.
  • Travel is running 6% under this quarter’s budget.

What's the spend forecast for next quarter?

If the current pace holds, next quarter’s spend will be similar to this one. Here’s the projection by month.

Monthly spend: Jul, Aug, Sep, Oct, Nov, Dec

  • December rises with year-end close and end-of-quarter travel.
  • You can adjust software limits before the quarter starts.
Ask about your spend…
Back to table
December 17, 2025
December 16, 2025
Transaction detail✕
In review
Escritórios do Centro
R$12,480.00
Dec 17, 2025 · Authorized · Mateus ArrudaMore details
This transaction is out of policy
DetailReviewActivity
TagsCategorize your expenses with tags. Add as many as you need.Select tags
DescriptionWrite a reason for the expense.0/200 characters
nota_01.pdf Nota fiscalVerified by Clara Intelligence
Issuer CNPJ:12.345.678/0001-90
Issuer name:Escritórios do Centro Ltda.
Number:183
Recipient CNPJ:98.765.432/0001-10
Recipient name:Company name Ltda.
Tax regime:Lucro presumido
Nature of operation:Sale of goods
Access key:3526 1025 1234 5678 0001 9055
Series:PE
Issue date:2025-12-17 11:42:08
Operation type:Outbound
Purpose:Normal
Environment:Production

Invoice items

CodeDescriptionQty.UnitAmount
44121600Stationery and office supplies1Service10,758.62
Currency:Brazilian real
Payment method:Pix
Payment terms:Paid in full
SubtotalR$10,758.62TaxesR$1,721.38TotalR$12,480.00
NF-e digital signature:Issuer digital signature:
Original string of the NF-e digital certification complement:
Uploadnota_01.pdfnota fiscal
More actions

Try it: pick an expense and approve it

See Clara in action

Take a tour and see how cards, payments and spend management connect in one place.

See the demo (opens in a new tab)

Everything you need to know about Clara

Clear information on limits, global security, and how Clara’s corporate card outperforms traditional business banking.

What is Clara Intelligence?

Clara Intelligence is Clara’s AI layer: it reads your spending, flags what needs attention, answers in plain language, and acts only when you approve. It brings together the platform’s AI agents, such as the Policy Agent and the financial analyst. See how the Policy Agent works on its page.

See also: Clara Policy Agent

What does the Clara Policy Agent do?

The Clara Policy Agent reads every receipt and flags the transactions that may need your team’s review. It doesn’t block cards or decide for you: finance reviews the alert and can override it. See the Policy Agent page for the steps.

See also: Clara Policy Agent

Does Clara Intelligence act without my approval?

No. Clara Intelligence acts only when you approve. The Policy Agent alerts and your team decides; no agent blocks cards or makes payments on its own, and the review stays with your team. See the security page for access controls.

See also: Clara security

Can I connect Clara to Claude or ChatGPT?

Yes. You can connect Clara to Claude, ChatGPT, and other AI tools that support remote MCP connections with OAuth authentication. From there you look up cards and transactions, lock or unlock a card, and attach receipts. See the developers page for the available tools.

See also: Clara for developers

Which AI features are available in my country?

Clara Intelligence is available in Brazil, Mexico, and Colombia, but the AI products aren’t identical in each country. Insights is available in all three markets; other features depend on the plan and the market. Check plans and pricing to confirm what yours includes.

See also: Clara plans and pricing

How do I get started with Clara’s AI?

You get started with Clara’s AI by getting your data in order: upload your expense policy, turn on Requirements, and review the Policy Agent’s alerts. Then you can use the financial analyst to ask about your spend trends. Read the AI financial analyst page.

See also: AI financial analyst

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Clara

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Brasil

Clara Instituição de Pagamento Ltda · CNPJ 41.538.335/0001-45

R. Dr. Renato Paes de Barros, 33, 15º andar, Itaim Bibi, São Paulo - SP, 04530-000 (opens in a new tab)

+55 11 3003-6993 · contato@clara.com

Clara products are offered by Clara's local entities in each market, in accordance with applicable local law.

A CLARA INSTITUIÇÃO DE PAGAMENTO LTDA. é uma instituição de pagamento autorizada pelo Banco Central do Brasil a atuar como emissora de moeda eletrônica e emissora de instrumento de pagamento pós-pago. A Clara não é uma instituição financeira e não realiza operações de crédito diretamente, atuando como correspondente bancário, nos termos do art. 3º da Resolução CMN nº 4.935 de 29 de julho de 2021, de: (i) Money Plus SCMEPP LTDA, inscrita no CNPJ/MF sob o nº 11.581.339/0001-45; e (ii) BMP MONEY PLUS SOCIEDADE DE CRÉDITO DIRETO S.A., inscrita no CNPJ/MF sob n° 34.337.707/0001-00, para a oferta de produtos e serviços que envolvam operações de crédito. A Clara participa do Pix na modalidade de provedor de conta transacional, com participação indireta no Sistema de Pagamentos Instantâneos – SPI, com liquidação de suas transações por meio dos serviços do Banco BTG Pactual SA, inscrito no CNPJ/MF sob o nº 30.306.294/0001-45. Mais informações podem ser obtidas no canal de atendimento da Clara ou das instituições mencionadas, que são instituições financeiras devidamente autorizadas pelo Banco Central do Brasil.

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