NachoPay is the NachoNacho spend management platform. You pay every vendor with its own virtual card (a NachoCard), set a dollar limit and an expiry date on each card, and cancel a subscription by cancelling its card instead of chasing the vendor.

How much does NachoPay cost?

NachoPay is free to add to any NachoNacho plan. A five minute identity check unlocks up to five virtual cards on the free Basic plan, or unlimited virtual and physical cards on Premium, which is $199 per year plus $10 per user per month.

How do virtual cards stop unwanted subscription charges?

Each vendor is paid with a card of its own, so one vendor can never be charged on another vendor’s card. You can set a spend limit and an expiry date per card, and suspend or cancel a card in one click, which stops any further charge on that subscription.

Do I get a discount for paying with a NachoCard?

Yes. NachoNacho marketplace discounts are applied automatically when you pay a vendor with a NachoCard — no promo codes, no affiliate links and nothing to claim by hand. Some savings are returned as cashback to your account rather than taken off the vendor’s invoice.

Can my team and my AI agents use NachoPay?

Yes. Premium gives every employee virtual and physical cards with budgets per vendor and per person, and NachoPay has a public API and an MCP server so an AI agent can analyze spend, pull transactions, manage subscriptions and create or control cards.

What is the difference between NachoPay and a corporate card?

A corporate card gives one number to every vendor, so spend is only visible after it happens. NachoPay issues one card per vendor with its own limit and expiry, which caps each subscription before it bills and makes every charge attributable to a single vendor and owner.

Meet NachoPay

Your digital 'Controller'

NachoPay is a complete spend management platform. Control software & business spend with dedicated virtual spend cards, and get instant discounts from our B2B marketplace.

What is a NachoCard?

A virtual VISA spend card built for your business

Create a separate NachoCard for each vendor, with tight limits. It automatically tracks your spending and renewals - all from one company-wide account. Paying a vendor with a NachoCard also unlocks the highest possible discounts from the NachoNacho marketplace.

A separate virtual card for every vendor

Total spend control

Pay every vendor with a separate virtual card. Put tight $ and date limits. Cancel any subscription anytime.

Unlock bigger + automatic discounts

Unlock exclusive NachoNacho marketplace discounts just by paying with a NachoCard. No promo codes, no cookies - the discount is automatically applied to your purchase.

People, code and AI agents on one side; cards, spend reporting and renewals on the other, with NachoNacho in the middle

AI-powered spend management

Let your AI agent analyze spend, pull transactions, manage subscriptions, and create or control NachoCards—all through deep API & MCP integrations with the AI tools your team already uses.

Is NachoPay for humans or AI agents? Yes.

Hooked on AI agents? So are we! But let’s keep you, the human, in the loop and in charge. Connect to NachoNacho using our API or MCP, and run as much automation as you desire.

Frictionless purchasing

Let your AI agent create spend cards, control exactly how much each card can spend, and pay vendors automatically.

Tight control on spend

Let your AI agent be the bad cop. Make it alert you anytime it sees unwanted spend.

Real-time spend visibility

Always know where your money is going. Let your AI agents run unlimited reports.

Optimize your software stack

NachoPay knows what you are paying for today. Ask what you SHOULD be paying for instead.

Built for teams drowning in software subscriptions

Founders & small teams

No finance team or procurement dept.? DIY your expense management & bag software discounts.

Finance & ops leads

Your software stack keeps expanding. Your spreadsheet can’t keep up. And the spend leakage keeps piling up. We’ve got you.

Agencies

No need to mix software spend across clients. Separate account for each customer. Single login for all clients. Easy peasy.

Save money & time

No cancel button? No problem

No need to chase vendors who make it hard to cancel and keep charging you. Use our cancel button. Just cancel the card allocated to that vendor, keeping all your other payments intact.

No more worries about 'free trials'

Gave your credit card upfront for a ‘free trial'… & now you can’t sleep? Just create a new card and make it expire before the free trial is over. And sleep tight.

Identify waste easily

Having visibility for all your SaaS in one place helps you identify waste easily. Our search and filter functionality helps identify duplication and hidden subscriptions.

No surprise charges

Tight spending limits make sure you are never charged more than you expect. Declined transactions = saved money.

Keep your money safe

One spend card per vendor, with tight limits, helps isolate potential misuse and contain the damage from hacks. Paying a not-so-well-known vendor? Suspend the card right after the payment.

Offboard employees in seconds

Never let leaving employees walk away with your SaaS or credit cards, no matter how much you love them. Cancel all their cards with two clicks.

NachoPay questions

What is NachoPay?: NachoPay is the NachoNacho spend management platform. You pay every vendor with its own virtual card (a NachoCard), set a dollar limit and an expiry date on each card, and cancel a subscription by cancelling its card instead of chasing the vendor.
How much does NachoPay cost?: NachoPay is free to add to any NachoNacho plan. A five minute identity check unlocks up to five virtual cards on the free Basic plan, or unlimited virtual and physical cards on Premium, which is $199 per year plus $10 per user per month.
How do virtual cards stop unwanted subscription charges?: Each vendor is paid with a card of its own, so one vendor can never be charged on another vendor’s card. You can set a spend limit and an expiry date per card, and suspend or cancel a card in one click, which stops any further charge on that subscription.
Do I get a discount for paying with a NachoCard?: Yes. NachoNacho marketplace discounts are applied automatically when you pay a vendor with a NachoCard — no promo codes, no affiliate links and nothing to claim by hand. Some savings are returned as cashback to your account rather than taken off the vendor’s invoice.
Can my team and my AI agents use NachoPay?: Yes. Premium gives every employee virtual and physical cards with budgets per vendor and per person, and NachoPay has a public API and an MCP server so an AI agent can analyze spend, pull transactions, manage subscriptions and create or control cards.
What is the difference between NachoPay and a corporate card?: A corporate card gives one number to every vendor, so spend is only visible after it happens. NachoPay issues one card per vendor with its own limit and expiry, which caps each subscription before it bills and makes every charge attributable to a single vendor and owner.

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