PAVOCARD has set itself the goal to optimize , all together with employers and employees, the administration and the use of tax-optimazition. A special focus is on the simplification and full-scale digitalization of administrative processes and everyday use. In order to offer you innovative and safe products, we develop them in close cooperation with Crosscard S.A..


Our product portfolio can be combined freely:

  • PAVOCARD Lunch, because digital payment is simply smarter.

  • PAVOCARD Reward, because appreciation should be really recognized.

  • PAVOCARD Expense, because business travel should be more comfortable.