# Corporate Cards

Corporate Cards are reusable virtual cards you can create in the Dashboard to spend funds directly from the _Available_ balance of your sub-accounts of your entity's Checkout Business Account.
This enables you to securely pay suppliers or business expenses without waiting for funds to be paid out as settlements.

The cards are free to create, with no Checkout.com transaction or foreign exchange (FX) fees, although the card scheme may apply FX fees.
Use the cards anywhere that accepts online payments with Mastercard.

---

## Before you start

Eligibility conditions may apply for Corporate Cards. They are available for:

- Entities based in the UK and the European Economic Area (EEA)
- Sub-accounts in the following currencies: `EUR`, `GBP`, and `USD`

---

## How it works

Card managers create cards and assign them to card users in your business. Card users can then view their card details in the Dashboard and start making purchases.

Card managers can also manage cards as follows:

- Edit a card's spending limit per month within the default maximum.
- View a card's details, including the primary account number (PAN) and CVV.
- Temporarily suspend and then reactivate a card.
- Permanently revoke a card.
- View all transactions on a card.
- Rename a card.

### User permissions

Create [custom roles](https://www.checkout.com/docs/business-operations/use-the-dashboard/manage-users/user-permissions.md) for card managers and card users with the following permissions:

| User permission | Description |
| --- | --- |
| **Card managers and card users** |  |
| _Access the entity and sub-account_ | The user can access the relevant entity and sub-account cards are linked to. |
| _View spending credentials and transactions for cards assigned to them_ | The user can:<br><br>- View their assigned cards, the spending credentials, and transactions<br>- Suspend and reactivate their assigned cards |
| **Card managers only** |  |
| _View last four digits, transactions, and card name for all cards_ | The user can view the specified information for all of the entity’s cards. |
| _Access spending credentials for all cards_ | The user can view the credentials for all the entity’s cards, including cards not assigned to them. |
| _Create new, rename, and change limits for all cards_ | The user can:<br><br>- Create cards<br>- Edit card spending limits<br>- Change card users<br>- Revoke cards<br>- Rename cards |

---

## Create a card

To create a Corporate Card, you need the `Create new, rename, and change limits for all cards` permission.

1. Sign in to the [Dashboard](https://dashboard.checkout.com).
2. Go to _Business account_ > _Cards_, and select _Create card_.
3. In the _Create a virtual card_ window:
    - In the _Name_ box, enter a name for the card. <br>
    The maximum name length is 256 characters and it can include special characters.
    - From the _Sub-account_ dropdown, select the relevant sub-account.
    - From the _Assignee_ dropdown, select the user you want to assign the card to. <br>
    If the intended assignee does not have a user profile, select _Create a new user_ to create one. <br>
    If the assignee does not have permission to view cards, select _Review user permissions_ to edit their user profile. Then, refresh the Dashboard and go back to step 2.
4. Select _Create_. <br>
The _Cards_ page opens with a new tile for the card. The user can now view and use the new card in their Dashboard.

---

## Edit card spending limit

Checkout.com applies a default maximum monthly spending limit to all Corporate Cards, which you can edit to any lesser amount.

To edit the limit, you need the `Create new, rename, and change limits for all cards` permission.

1. Sign in to the [Dashboard](https://dashboard.checkout.com).
2. Go to _Business account_ > _Cards_, and select the card you want to edit. <br>
You can search by card name or the last four digits of the card number.
3. In the _Card details_ window, select _Edit limit_.
4. In the _Edit spend limit_ window, enter the new limit in the _Monthly spend limit_ box.
5. Select _Confirm_.

The new spending limit is generally applied immediately.
However, the first time you edit a card's limit, if the user has already spent funds but the remaining balance is less than the new limit, the change is applied at the start of the next calendar month.

---

## View card details

You need the `View spending credentials and transactions for cards assigned to them` permission.

1. Sign in to the [Dashboard](https://dashboard.checkout.com).
2. Go to _Business account_ > _Cards_, and select the card you want to view. <br>
You can search by card name or the last four digits of the card number. <br>
Or, filter cards by the following statuses: `active`, `suspended`, and `revoked`.
3. In the _Card details_ window, you can view the amount spent and the remaining balance.
4. To view the card's spending credentials, select _Show card details_. <br>
In the _Card credentials_ window, you can view and copy the card's:
   - Primary account number (PAN)
   - Expiry date
   - CVC2 code
   - Name
   - Billing address
5. Select _Done_ to close the window.

> **Information**
>
> To view the _Available_ balance of the sub-account the card is linked to, go to _Business account_ > _Balances_.

---

## Suspend and reactivate a card

When you suspend an active Corporate Card, all transactions are automatically declined.
You can reactivate the card at any time.

You need the `View spending credentials and transactions for cards assigned to them` permission.

To suspend a card:

1. Sign in to the [Dashboard](https://dashboard.checkout.com).
2. Go to _Business account_ > _Cards_, and select the card you want to suspend. <br>
You can search by card name or the last four digits of the card number.
3. In the _Card details_ window, select _Suspend_.

To reactivate a card:

1. Sign in to the [Dashboard](https://dashboard.checkout.com).
2. Go to _Business account_ > _Cards_, and select the card you want to suspend. <br>
You can search by card name or the last four digits of the card number. <br>
Or, filter cards by `suspended` status.
3. In the _Card details window_, select _Reactivate card_.
4. In the _Reactivate this card_ window, select _Reactivate_ to confirm.

---

## Revoke a card

When you revoke an active or suspended Corporate Card, all future transactions are declined and you cannot reactivate the card.
You can still view past transactions.

You need the `Create new, rename, and change limits for all cards` permission.

1. Sign in to the [Dashboard](https://dashboard.checkout.com).
2. Go to _Business account_ > _Cards_, and select the card you want to revoke. <br>
You can search by card name or the last four digits of the card number. <br>
Or, filter cards by `active` or `suspended` status.
3. In the _Card details_ window, select _More_ > _Revoke card_.

---

## View card transactions

You need the `View spending credentials and transactions for cards assigned to them` permission.

1. Sign in to the [Dashboard](https://dashboard.checkout.com).
2. Go to _Business account_ > _Cards_, and select the card you want to view. <br>
You can search by card name or the last four digits of the card number. <br>
Or, filter cards by the following statuses: `active`, `suspended`, `revoked`.
3. In the _Card details_ window, the most recent transactions are displayed. To see more, select _View all_. <br>
On the _Transactions_ page, the following information is displayed by month:
    - Transaction date and time
    - Merchant
    - Transaction status
    - Transaction amount
4. Select the transaction row to view more information about a specific transaction.

The transaction status can be one of the following:

| Status | Description |
| --- | --- |
| `authorized` | The merchant is processing the transaction and it may take several days to be finalized. |
| `canceled` | You or the merchant canceled the transaction and no funds were taken from the sub-account.<br>The amount is crossed out. |
| `completed` | The transaction was cleared successfully. |
| `declined` | You declined the transaction for the [decline reason](https://www.checkout.com/docs/developer-resources/codes/issuing-decline-codes.md) provided.<br>The amount is crossed out. |
| `partially_refunded` | The merchant refunded part of the transaction. <br><br>The original amount (crossed out) is displayed under the amount that was taken from the account, minus the refund. |
| `refunded` | The merchant refunded the full transaction amount. <br><br>If a completed transaction is refunded, the amount is crossed out. <br><br>If the refund is a new transaction, a `+` sign is displayed next to the amount. |

---

## Rename a card

You need the `Create new, rename, and change limits for all cards` permission.

1. Sign in to the [Dashboard](https://dashboard.checkout.com).
2. Go to _Business account_ > _Cards_, and select the card you want to rename. <br>
You can search by card name or the last four digits of the card number.
3. In the _Card details_ window, select _More_ > _Rename card_.
4. In the _Rename card_ window, enter the new name for the card in the _Name_ box.
5. Select _Confirm_. <br>
The _Cards_ page opens with the renamed card tile.