Card Integrity

What Card Integrity does

Card Integrity is a privately held expense-monitoring services firm headquartered in Oakbrook Terrace, Illinois, operating as a division of D. Warner Group, LLC. The company helps procurement, finance, and audit teams at universities, corporations, government agencies, healthcare providers, and manufacturers detect fraud, enforce policy, and recover savings across purchasing-card (P-Card), travel-card, and accounts-payable programs. Its service centers on a proprietary, in-house-built monitoring platform that processes 100% of client spend data using Level III transaction data and customized merchant category code analysis, flagging more than 350 behavioral red flags for review by dedicated forensic specialists.

The product portfolio is organized into five integrated offerings: DataWISE (flagship full-spend monitoring), InvoiceWISE (duplicate-payment detection across AP invoices and card transactions), ReceiptWISE (receipt validation), TrainingWISE (customized online cardholder training courses), and Minerva, a generative AI chatbot launched in April 2026 that delivers policy-grounded answers to purchasing and finance questions. Each client is paired with a dedicated forensic principal who delivers customized reporting, blending automated analytics with human review.

Revenue is generated through a mix of recurring subscription monitoring services, recurring invoice review, and project-based training and receipt validation work. Pricing is quote-based with no public disclosure. The go-to-market is event-driven and direct, with active participation in procurement industry conferences (NAEP EPIC, NASPO Exchange, IOCP, NIGP Forum, UNC System Finance Conference), supplemented by content marketing, webinars, and eGuides. The company serves clients across more than 50 countries with transaction volumes ranging from 500 to 5 million monthly company-card transactions per client.

Name

Card Integrity

Legal name

Card Integrity, D. Warner Group LLC

Website

https://cardintegrity.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Card Integrity provides 100% spend-monitoring, fraud detection, receipt validation, invoice review, and cardholder training services for purchasing-card programs, primarily serving higher education with additional reach into government, healthcare, manufacturing, and corporate clients across 50+ countries.

Ownership category

akta.pro rank

Product category

Procurement Compliance and Expense Monitoring Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Miscellaneous Business Credit Institution (6159), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Fraud Prevention, Controls & Compliance (MCC controls, AML/KYC, SCA) (THACAJAG)

akta.pro secondary industries

Business / Corporate Credit Cards (FSAKABAF), Cards Operations (Issuing/Acquiring Support, Disputes & Chargebacks) (FSABALAC)

Keywords

• Expense monitoring services
• Procurement compliance software
• Cardholder training solutions
• Spend analytics platform
• Invoice review services

Headquarters

HQ city

Oak Brook

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Expense Monitoring Services (DataWISE): Recurring subscription-based expense monitoring service where Card Integrity acts as an extension of the client's procurement team. Includes monthly reporting, dedicated forensic specialist consultation, and comprehensive transaction review.
2. Cardholder Training Services (TrainingWISE): Professional services for creating and implementing customized online commercial card training courses. Includes ongoing reporting and course updates.
3. Receipt Validation Services (ReceiptWISE): Analyzes receipts submitted through organization's spend portal, notifying when information is missing or incorrect.
4. Invoice Review Services (InvoiceWISE): Monitors and flags duplicate payments in accounts payable invoices and commercial card transactions.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels10 records

Core offering

Card Integrity provides subscription-based expense data monitoring and procurement compliance services for organizations, using a proprietary analytics platform combined with dedicated forensic experts. The portfolio covers 100% of client card transaction data to identify fraud, non-compliance, duplicate payments, and savings opportunities, supplemented by receipt validation, invoice review, customized cardholder training, and the Minerva generative AI procurement assistant.

Product overview

Card Integrity offers a suite of expense monitoring and cardholder training services organized around its proprietary expense monitoring system. The core portfolio consists of five integrated services: DataWISE (flagship expense data monitoring covering 100% of spend data with dedicated forensic specialists), InvoiceWISE (invoice review and duplicate payment detection), ReceiptWISE (receipt validation and analysis), TrainingWISE (customized online cardholder training courses), and Minerva (AI-powered procurement assistant for policy questions). These services work in tandem to protect, detect, and communicate expense findings, providing comprehensive coverage of the expense review process for clients in higher education, government, healthcare, manufacturing, and corporate sectors.

Differentiator

Problem solved

Functional benefit

Brands

• DataWISE: Expense data monitoring service - flagship advanced monitoring covering 100% of organization spend data to identify fraud, non-compliance, and savings opportunities.
• InvoiceWISE
• ReceiptWISE
• TrainingWISE
• Minerva

Products and services

• DataWISE Flagship subscription-based expense data monitoring service that reviews 100% of an organization's card transaction data to identify fraud, non-compliance, and savings opportunities. Each client is paired with a dedicated forensic specialist who delivers customized monthly reporting, flags anomalies, and provides ongoing consultation.
• InvoiceWISE Invoice review service that monitors and flags duplicate payments across an organization's accounts payable invoices and commercial card transactions, reviewing expense data for duplicates across expense types.
• ReceiptWISE Receipt validation service that analyzes receipts submitted through an organization's spend portal, generating reports and notifying users when receipt information is missing or incorrect.
• TrainingWISE Online cardholder training service that creates and implements customized commercial card training courses tailored specifically to an organization's policy, including reporting and ongoing course updates.
• Minerva AI Assistant Generative AI chatbot that provides employees at client organizations with instant answers to purchasing and finance questions. Customized to each organization's specific policies and documentation, draws exclusively from internal sources, and excludes sensitive information such as card numbers and personal data.

Quantifiable outcome

• Workload reduction through streamlined reporting
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature5 records

Scale indicators6 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Oversight Systems (Oversight.com): Direct competitor focused on AI-driven commercial card and T&E spend monitoring, with overlapping core functionality in fraud, misuse, and policy compliance detection on P-card and travel card programs.
• Emburse: Expense management and AP automation platform that competes for the same procurement/finance buyer, overlapping in receipt validation, policy enforcement, and T&E monitoring workflows.

Broad incumbents

• Corpay (Cross Border / P-Card Division, formerly FLEETCOR): Large commercial card issuer/payments company with embedded spend controls and monitoring capabilities serving the same corporate and government P-card buyer as Card Integrity, but as part of a much broader payments portfolio.
• SAP Concur: Enterprise incumbent in travel and expense management with global scale, serving the same higher-ed, corporate, and government customers; overlaps in T&E receipt validation and policy compliance monitoring.

Emerging players

• Brex: Corporate card and spend management platform with built-in controls, bill pay, and policy enforcement — competes for the same mid-market and enterprise finance/procurement buyer Card Integrity serves.
• Ramp: Fast-growing corporate cards and spend management platform with native policy controls and automated expense review, increasingly overlapping with Card Integrity's monitoring and policy compliance use cases.
• Airbase: Spend management platform combining corporate cards, AP automation, and expense controls; addresses the same procurement/finance workflows including policy enforcement and receipt/invoice validation.
• Procurify: Procurement and AP automation platform used heavily by mid-market and public-sector-adjacent buyers, overlapping with Card Integrity on invoice review and spend visibility workflows.

Regional players

• Pleo: European corporate cards and expense management provider with built-in spending controls and receipt capture; comparable product surface but primarily competing in EMEA rather than Card Integrity's U.S.-centric footprint.

Others

• SpendHQ (Spend Matters): Spend analysis and procurement intelligence vendor serving many of the same higher-ed, government, and corporate procurement teams; adjacent to Card Integrity's monitoring service via shared customer base and overlapping data signals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/cardintegrity
• YouTubeyoutube.com/@cardintegrity
• Facebookfacebook.com/cardintegrity
• LinkedInlinkedin.com/company/card-integrity
• Instagraminstagram.com/cardintegrity

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Card Integrity