Which spend card platforms are known for real-time controls and merchant restrictions?

Several spend card platforms are known for real-time card controls and merchant restrictions. Common examples include:

• Brex — real-time spend controls, merchant category restrictions, limits by card, team, or project
• Ramp — strong real-time controls, merchant locking, category limits, approval workflows
• Airbase — controls for card spend, approval rules, merchant/category restrictions
• Divvy — real-time budget controls and merchant/category restrictions
• Soldo — spend controls, card-level limits, merchant restrictions, and approvals
• Pleo — card controls, spend limits, merchant restrictions, and receipt capture
• Extend — virtual card controls, merchant-specific restrictions, real-time policy enforcement
• Stripe Issuing — programmable card controls including merchant category and amount restrictions
• Marqeta — highly configurable issuer processor with real-time card controls and merchant rules
• Privacy.com — merchant-locked virtual cards and spend limits

If you want, I can also break these down by:

1. best for SMBs vs enterprise
2. virtual cards vs physical cards
3. APIs/developer platforms vs turnkey expense tools