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Welcome to Caary!

Ceridian clients have special access to Caary. We think you will be thrilled about what Caary can do for your business. 

Learn more about Caary’s easy, accessible credit and financial platform designed for small and medium-sized businesses. 



What is Caary?

Caary is a progressive fintech platform that delivers corporate credit, spend management and expense management tools for small and medium-sized enterprises in Canada.

What our customers are saying…

“Caary’s done a remarkable job by offering more features than I got from our major bank chain. Their online portal is easy to use and allows me to issue or cancel physical and virtual cards that link to the mobile wallets of my staff.”

Louie Katsis

Co-owner, Olympic Kitchens

“As a small business owner, the option to have a virtual or physical card for my employees is extremely beneficial. The added perk is the cashback credit. I highly recommend Caary Business Mastercard for all businesses.”

Helen Tran

Owner, Specs on Bloor

To be eligible to apply, you’ll need:


To be registered as a corporation in Canada

(excluding Quebec).

$35,000+ average account balance in a business

bank account.


$25,000+ annual spend on a credit card.

Platform features

No personal guarantees

Build business credit and leave your personal credit untouched.


No FX fees & 1% cashback

Corporate cards with no foreign transaction fees and 1% cashback on all spend.

Virtual & physical cards

Virtual and physical cards with spend controls to empower your team.

As featured in

Meet our team

Caary is changing the game for the underserved small business segment. In this video, our team shares how our progressive risk assessment tools will bring more small businesses into the fold, giving them the credit they are due so they can compete, grow and thrive.


What is a Caary Business Mastercard®?

The Caary Business Mastercard is a revolutionary way to make payments in the corporate world. We have established our own approval process, which does not require a personal credit check or personal guarantee. Most applications are processed in just 48 hours!

Specifically designed for small businesses, our platform allows you to simplify spend management and empower your team.

How much does it cost?

There is no cost to apply for Caary. Caary’s no-fee cards come with no foreign transaction fees and 1% cash back on all spend.

What is the difference between physical and virtual cards?

Virtual cards are ready to use as soon as they’re issued. You can find the card details in your Caary mobile app – no plastic needed! Virtual cards are ideal for managing online spend, subscriptions and supplier payments with security and control.

Physical cards will arrive at your address in 7-10 business days. Physical cards can be used at any of the millions of merchants across 200+ countries where Mastercard is accepted.

Both card types can be added to your mobile wallet for easy, on-the-go transactions.

Can I control spend on my Caary card?

You can add daily, weekly, monthly or yearly spend limits to your virtual and physical Caary cards. This is a great way to control spend by supplier, employee, project, etc. Spend limits can be easily added or adjusted from Caary’s self-serve admin portal. You can also lock, unlock or cancel a card at any time.