Card Management - Overview, Controls, and Departments

Updated 5 months ago by Chandrika Chandwani

PCard+ cards that help you manage your business' spending in real-time. These cards can be generated as needed to distribute to employees to pay for general expenses.

These cards can also be used internationally.

PCard+ gives businesses complete control over the cards in real-time. 

Types of PCard+ Cards
PCard+ cards are available in two formats:
Physical Cards
PCard+ cards that can be used for in-person and online spends where Mastercard® Debit Cards are accepted. These cards can be generated as needed to distribute to employees to pay for general expenses.
Spending limits and category restrictions can be set for each physical card.

Virtual Cards
PCard+ cards that can only be used online and over the phone where Mastercard® Debit Cards are accepted. These cards can be generated as needed to distribute to employees to pay for general expenses.
Spending limits and category restrictions can be set for each virtual card just like Physical PCard+ cards.

There are 2 kinds of PCard+ cards:
Employee Cards
Employee cards can be assigned to specific individuals within your business. PCard+ cards eliminate the need for employees to submit expense reports, thereby trimming down the tedious and time-consuming process of tracking receipts and reimbursements. PCard+ also allows you to configure spend controls/limits for each card to easily track and monitor business expenses.

When a card is assigned to an employee, they can activate their own card and set a PIN. They can also upload receipts for their transactions, check their spend balance and activity, and view the card controls set on their card.

A few fields are required for a card to be issued to an employee, they are:  
Full name
Date of birth
Phone number
Email address* (optional)
*Email address is required if you wish to grant your employees access to the PCard+ mobile app.

Utility Cards
Utility cards can be assigned to specific needs of a business, such as office supplies, gas, and other general expenses. These cards do not require any individual's information to be associated with the card and will not have web app or mobile app access. Thus, utility cardholders cannot upload receipts, view their transactions, or check their spend balance or card controls. 

Setting Up Category Controls
Category Controls allow you to decide where your employees can use their cards.

Categories are groups of existing Merchant Category Codes (MCC) used to classify businesses and stores by specific market segments. MCCs are 4-digit codes assigned to all businesses and stores by credit card companies.

There are a large number of MCCs, hence PCard+ has grouped similar codes together in order to make putting spend restrictions on PCard+ cards easier.

Here's how to set Category Controls:

1. From the Cards tab, click Manage next to the card you'd like to update
2. Click Card Controls > Make your desired categories changes and click Save

Setting Up Spend Controls
The Business Owner and Admins (with Full Access permissions to the Cards section) can set limits on each employee or utility card, in real-time. 

To set up and manage a card’s spend controls:

1. Navigate to the Cards section
2. Click the card's Manage drop-down menu > Card Controls >
3. Set the desired controls > Save

The Card Controls page allows you to manage the following:

Spend Limit: Control how much a card user can spend Daily, Weekly, Monthly, or a custom Available until date.

Active On: Choose particular days of the week for when the card can be used. This is a great feature for employees that only work on certain days of the week.

Categories: Control spending by selecting merchant categories at which the card can be used.

Restrict International Transactions: Enable this feature if you want to limit the use of the card within the United States.

Restrict Card Not Preset Transactions: Enable this feature for transactions that don't require a card to be inserted or swiped into a physical card reader.

Note: Each card has a toggle On/Off button which is only visible after a card has been activated. The On/Off switch allows you to temporarily suspend the use of the card. Any transaction attempted on a suspended card will automatically be declined. As soon as the switch is turned back to On the card is enabled and the spend controls set on the card are active.

Setting Up Departments and Department Leads
A department is a group of PCard+ cards with a Department Lead assigned by a Business Owner and/or Full Access Admin to the Cards section. This makes it easier to categorize all cards and delegate more control to employees who can help with the day-to-day management of expenses.

A Department Lead is a Team Lead who has been assigned a specific department. The Lead can either view, manage and add cards and transactions within his/her department depending on access permissions set by the Business Owner/Admin.

Note: The Business Owner and/or Full Access Admin to the Cards section still retains full control over the department.

Creating Departments
Click on Department Settings from the Profile menu > + Add Department > Enter Department name > Submit.

Assigning Cards to Departments
When you create a new card or edit an existing card in the Cards tab, there will be an option to select which department this card belongs to. Each card can only belong to one department.

Assigning a Department Lead
From the Cards section, click the Manage drop-down menu next to the employee card you wish to edit > Cardholder Info > Assign the card to a department from the Department drop-down menu > Toggle the Department Lead button to ON > Select either Full Access or Read Only.

Note: There can only be one department lead for each department. Only employees with employee cards can become department leads.

Editing/Changing Departments
A Business Owner and/or Full Access Admin to the Cards section can change a card's department at any time. From the Cards section, click the Manage drop-down menu next to the employee card you wish to edit > Cardholder Info > Choose a new department from the Department drop-down menu > Save.

Viewing and Filtering Cards
PCard+ has created a flexible and streamlined way to view your cards:

Filtering by Card Status - Check the On or Off box to view cards by their status.

Filtering by Virtual vs. Physical - Check the Virtual or Physical box to only view either virtual or physical cards.

Filtering by Cardholder Type - Select between different card types to only view either Owner, Employee, Utility, or Admin cards.

Filtering by Allowed Merchant Categories - Expand the Categories section in the Filters menu to select between all available categories.

Filtering by Departments - Expand the Departments section in the Filters menu to view cards within specific departments.

Card Usage and Credit Payments
The PCard+ cards may be used everywhere Mastercard debit cards are accepted - hotels, rental car services, etc., across the continental US, Alaska, and Hawaii.

Many hotels and rental car services will allow you to use a debit card but they may require an additional deposit or a larger pending amount to be held on the card. Make sure that the available spend on the card is enough to cover the cost of the hotel or car rental and the additional deposit or hold the merchant may place on the PCard+ card.

Pending holds for such transactions are often released the day of checkout, but the merchant may take up to 60 days to release the hold. We suggest that you call the hotel or rental car service to inquire how much the pending hold will be, and how long they typically take before releasing holds.

Purchases made on the PCard+ card can be run as a credit or a debit transaction. Typically, most hotels and car rental locations will automatically run the card as a credit transaction. If you run into issues using the card as a debit card, please ask the merchant to run the card as a credit transaction or to place a larger deposit or pending hold on the card.

If you have questions about a hotel or rental car service's payment policies, we recommend you reach out to the merchant for further information. 

Best Practices
Here are a few uses for cards that our most successful customers order:

Gas or Fuel Cards – Track and control fuel-only purchases; assign one card per vehicle
Employee Cards  – Give each employee a card to track expenses, and get email and text alerts*
Project Cards –  Assign a card for each project, supervisor, or project department
Expense Cards – Control how much you spend on office supplies, subscriptions, etc
Petty Cash Cards – Stop expense leaks caused by hard-to-track cash

* Standard text messaging and/or data rates from your wireless service provider may apply.

PCard+ cards are printed and delivered within 7-10 business days. Once received, the card may be activated by the cardholder or the primary account holder either by calling 855-547-2893 or visiting the web app.
Each cardholder will need to provide personal information to verify their identity.


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