We actually use the interchange revenue that would be going towards rewards points to pay for the costs of building/running the product. There may be enough left over to do a rewards program in the future, but for now the product is the points. :)
E.g for an employee to spend up to $5,000 on a trip, would the company have to preload $5K onto the card? Or alternatively would employees have to get approval for each expense in advance of spending it?