How to Get Started with KARTA io: Step-by-Step Guide for New Teams

Switching to a smarter spend management system can feel overwhelming — but with KARTA io, it’s simple. Whether you’re a solo founder or managing a growing team, KARTA io helps you create virtual cards, control budgets, and track expenses in real time — all within minutes.

This article is a step-by-step guide for new users on how to set up KARTA io, invite your team, and start saving time (and money) immediately.

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✅ Step 1: Sign Up for KARTA io

Go to the official website: https://www.karta.io

Click “Get Started” or “Sign Up Free” and enter basic information:

• Business name
• Email address
• Your role (e.g., finance, operations, founder)

💡 No credit check or card required to explore the platform.

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✅ Step 2: Verify Your Business

To start issuing virtual cards, you’ll need to verify your business identity:

• Provide basic company details (legal name, EIN)
• Upload proof of business registration or banking documents
• Link a business bank account (for payouts or expense funding)

✅ Verification typically takes a few minutes to a few hours.

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✅ Step 3: Create Your First Virtual Card

Once verified, head to your KARTA io dashboard and:

1. Click “Create New Card”
2. Name your card (e.g., “Google Ads – July”)
3. Set:
   • Spending limits (daily, monthly, or total)
   • Merchant category (e.g., SaaS, travel, marketing)
   • Expiration date or one-time use

🎯 You can create unlimited cards for campaigns, vendors, team members, or clients.

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✅ Step 4: Invite Your Team Members

Next, go to the Team section and invite users by email.

You can assign different roles:

• Admin – full control over cards and users
• Manager – control over budgets and approvals
• Employee – cardholder only, with limited access

Each member can receive their own virtual cards, set by role and department.

✅ Team onboarding is simple and takes under 2 minutes per person.

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✅ Step 5: Set Up Budgets and Rules

KARTA io allows you to create budgets per team, campaign, or category:

• Limit marketing team spend to $10,000/month
• Cap SaaS subscriptions at $500/team
• Assign $1,000/month to each sales rep for travel

You can create automated workflows:

• Auto-freeze cards that exceed limits
• Get notified of spend spikes
• Route large purchases for approval

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✅ Step 6: Connect Your Accounting Tools (Optional)

Want automated bookkeeping? Integrate KARTA io with tools like:

• QuickBooks
• Xero
• Sage
• Google Sheets (via Zapier)

Every transaction will be categorized and tagged based on your setup, saving your finance team hours during reconciliation.

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✅ Step 7: Start Spending Smart

That’s it — you’re ready to go!

Your team can now:

• Spend with confidence using KARTA virtual cards
• Upload receipts directly into the platform
• Monitor spend live from the dashboard or app
• Make real-time decisions based on accurate data

💡 You’ll immediately see patterns, wasteful spend, and new savings opportunities.

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Final Thoughts

KARTA io is designed to get your team up and running fast — no friction, no long onboarding calls, no legacy systems to untangle.

In just a few steps, you can go from reactive spend chaos to proactive, strategic expense control.

✔️ Instant virtual cards
✔️ Smart budgets
✔️ Full team control
✔️ Real-time visibility

👉 Ready to try it yourself? Get started with KARTA io today.