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Simon Dingle

Curve for Business - One place to easily spend, send, see and save your money.

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Lettuce
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Built for small businesses and freelancers, Curve simplifies your financial life by connecting your accounts to one smart card and an even smarter app, connected straight to Xero. Submit expenses automatically as you pay, get instant alerts as you spend, and store receipts safely in the cloud.

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Simon Dingle
Lettuce
Maker
Hey Hunters! I'm the product guy at Curve and super-excited to finally talk about what we've been making. Curve combines all your payment cards into one single card, accompanied by an app. Curve brings together the best of mobile payment systems such as Apple Pay and that of the traditional bank card to a single solution, accepted everywhere. Curve is built on the MasterCard rails. We’ve set out to unite everyday payments - all those different cards and transactions - into one single place. This brings a host of benefits, from only needing to carry a single card, saving money on currency fees when traveling and eliminating ATM fees, to being able to label and search all transactions with one tap of your app in real time, and making American Express work in places it isn’t usually accepted. All you need is the Curve app and card. Upload an unlimited number of other cards by scanning them in your app, and select the card you want to use. This will be your default payment card until another is selected. No batteries required ;) We’re launching first in the UK to freelancers, entrepreneurs and self-employed consultants and will have a wider consumer launch later in the year. Looking forward to hearing what you think ;) UPDATE: We've had requests for a promo code for Product Hunters, so - use MvcuZ and get £10 to spend on your Curve card when it arrives!
Tom Webb
@simondingle why self employed first?
Simon Dingle
Lettuce
Maker
@techtom10 Great question! The self-employed market is rapidly growing, and underserved by the current banking system. They have more acute pain-points around their finances; managing business and personal cash-flows through single accounts, balancing spend across different cards, traveling more often - and we think Curve can help. So we're focusing here prior to a broad consumer launch later this year.
Tom Webb
@simondingle can I just say I'm self employed? I mean I'm a photographer 😄
Simon Dingle
Lettuce
Maker
@techtom10 if you make any money from your photos than I don't see why not ¯\_(ツ)_/¯
Tom Webb
@simondingle being payed at a summer camp. So when are you launching this? eg: I'm just about to buy one!!!
Shaun Trennery
Congrats. Very impressive solution to a painful problem. Are there any plans for smart card selection? i.e. the most optimal source of value is determined by Curve at the point of purchase. @simondingle great to learn that you the product guy on this. Congrats and best wishes on the launch.
Simon Dingle
Lettuce
Maker
@shauntrennery Thanks Shaun 🙂. We definitely have some rule-based card selection on our roadmap. So much possibility.
Noah Kim
Gulp
@shauntrennery @simondingle This is a great idea. For people who are using several cards on different reward programs, being able to know which one to use at that time to maximize rewards would be incredible, especially since a lot of these programs have revolving categories.
Olivier Plante
Amazing love it, can you not make it so I select the card I want to use after I entered my PIN in the device?
Simon Dingle
Lettuce
Maker
@oplante That would mean you were adding cards before you had security set up properly in the app, if I understand the suggestion correctly - but definitely something to consider ;)
Vasanth Subramanian
Splittable
Been using mine for a couple of weeks now and think it's great! Would love to see the categorisation of transactions get more fully featured - e.g. for a supermarket shop my only choices are 'Services', 'Supplies', 'Travel' or 'Entertainment'.
Simon Dingle
Lettuce
Maker
@vsubramanian Thanks! Yeah, categorisation can be a tricky business, but we've got big plans. Tagging transactions is a must for busy, self-employed people.
Stewart Rogers
VentureBeat Insight
Paul Sawers wrote a nice article on Curve today over at VentureBeat. (http://venturebeat.com/2016/02/1...) Personally, I like your approach versus Coin etc. Firstly, it supports Chip and PIN, and secondly, it is just a regular card. No batteries. No OTA and potentially harmful connections with the smartphone. Makes a lot more sense to me,
Simon Dingle
Lettuce
Maker
@therealsjr that way it also allows you to, for example, take Amex to places it couldn't go before. Makes a lot of sense to us too. Great article. Thanks for sharing ;)
Tzachi Davidovich
FlyCode Stripe app for Failed payments
Go go Curve !
Rayhan Rafiq Omar
One card to rule them all. Will make travelling less stressful. Looking forward to seeing what improvements come to the linked app to help us manage our financial lives better.
Simon Dingle
Lettuce
Maker
@rayhanrafiq those improvements are underway. Would love to hear the kinds of things you have in mind ;)
Tom
Great experience. iOS UX could be better. All in all pretty amazing.
Lianne Haug
Pana
Your FAQs about rewards say that you will not receive rewards from cards linked to specific merchants (e.g. Virgin American Express to purchase a Virgin Flight), but what about category based rewards? For example, the Chase Sapphire would normally receive 2X points on travel and dining. Would I receive 2X chase points for any travel or dining related purchases I made through Curve with my Sapphire card or just the base 1X per dollar spent?
Simon Dingle
Lettuce
Maker
@liannehaug you would not receive the extra points, but you'd still get standard rewards and the added benefit of not paying currency conversion fees. Curve aims to be one of the most affordable travel cards around, keeping you on your home currency. So in most cases the savings with Curve would be more significant than any bonus points.
Dan Simon
gotta say- coin turned me off to this... hopefully your card design is awesome!
Simon Dingle
Lettuce
Maker
@usersready Curve is not cloning your other cards though, so we're a bit different. Curve also doesn't require batteries, and works anywhere you can use MasterCard - even if you're paying with American Express, for example. We've spent a lot of time on the design of our card and hope you approve.
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