New card issuance: from up to 30 days to 5 minutes with Clara

Problem

VTEX needed to eliminate the bureaucracy involved in managing corporate cards and expenses. The processes depended on traditional banks, generating delays in card issuance, difficulties in unblocking, manual expense reporting and little visibility into spending. This impacted both the productivity of the finance team and the experience of employees who needed agility to make corporate purchases and trips.

Solution

Clara was initially implemented in VTEX's operations in Mexico and Colombia. After the positive results, the platform was also adopted in Brazil. With the solution, the company began issuing virtual cards instantly, creating cards segmented by employee or project, defining expense limits and categories, automating expense reporting through the app and tracking all transactions with real-time reports. The change significantly reduced the operational burden on the finance team and increased employee autonomy.

Results

Clara's implementation transformed VTEX's financial management. Card issuance time fell from 30 days to just 5 minutes, eliminating operational bottlenecks. Today, the company processes more than R$2.5 million per month on the platform — five times more than at the start of the project. In addition, non-deductible expenses decreased thanks to automated expense reporting, cash flow improved and accounting control increased. The adoption of the solution also drove a cultural change, with employees themselves requesting the migration to Clara due to the platform's ease of use and speed.

With Clara

- Physical and virtual cards issued in just a few minutes.

- Centralized management of limits, categories and rules per project.

- Automated expense reporting through the app, with receipt capture.

- Real-time reports for greater financial control.

- More autonomy for employees and greater operational efficiency.

Without Clara

- Corporate card issuance took up to 30 days.

- Frequent delivery to incorrect addresses.

- Unblocking depended on slow banking processes.

- Manual expense reporting, with lost receipts and uncategorized expenses.

- Delayed accounting close and low autonomy for employees on business trips and corporate purchases.