Likely less than the sum of costs and losses associated with verifying photos of receipts.

My employer contracts with a vendor that manages them. It's not expensive or difficult anymore. Even individual consumers can mint "virtual cards" with different time-based or merchant-based spending policies and limits for free, since like five years ago now. (https://www.capitalone.com/learn-grow/money-management/what-...)

Not very much when there are products like this: https://floatfinancial.com/blog/virtual-credit-cards-canada/

I basically got out before this was a requirement but, yeah, to the degree that routine employee fraud becomes a material issue, locking things down becomes a grumble, grumble thing but it's just what companies will do.

You have this flipped. Expense management systems with embedded company cards are an order of magnitude easier to managed and reconcile than dealing with thousands of employees' personal expenses and payouts

If it's daily, why not just do a per diem and forget about tracking it?