Using Your Expensify Visa® Commercial Card

Activate Your Card

To activate your card:

1. Log into your Expensify account.
2. Go to your Home tab.
3. Follow the prompts on the Activate your Expensify Card task.
   Once activated, you can start using your card immediately!

Review Your Card’s Smart Limit

You can check your card’s Smart Limit by navigating to Settings > Account > Credit Card Import.

• The Smart Limit is the total amount of unapproved expenses you can have on your card.
• If a purchase exceeds your card’s Smart Limit, it will be declined.

Managing Your Expenses

• Submit Expenses Promptly: Regularly submit your expenses to restore your full limit. If needed, contact your admin for a limit adjustment.
• Using Your Card: Swipe your Expensify Card like any other. You’ll get instant alerts for SmartScan receipts, which will automatically merge with your card expenses.
• eReceipts: If your organization doesn’t require itemized receipts, Expensify will generate IRS-compliant eReceipts for all non-lodging transactions.
• Reporting Expenses: Submit your Expensify Card expenses as usual. Once approved, your Smart Limit will be refreshed.

Enabling Notifications

Stay updated on your spending activity and potential fraud by enabling push notifications in the Expensify mobile app.

For iPhone:

1. Open the Expensify app.
2. Tap the three-bar icon in the top-left corner.
3. Go to Settings > Enable Receive real-time alerts.
4. Confirm the prompt to access your iPhone’s notification settings.
5. Turn on Allow Notifications and choose your preferred notification types.

For Android:

1. Go to Settings > Apps and Notifications.
2. Find and open Expensify.
3. Enable notifications and customize the alerts based on your device model.

Using Your Virtual Card

Accessing Virtual Card Details

To view your virtual card details (card number, expiration date, CVC), go to Settings > Account > Credit Card Import > Show Details.
Note: The virtual and physical cards share the same Smart Limit.

Making Purchases

Use the virtual card for online, in-app, or in-person payments when linked to a mobile wallet (e.g., Apple Pay or Google Pay).

Adding to a Digital Wallet

1. Tap the three-bar icon in the top-left corner.
2. Go to Settings > Connected Cards.
3. Tap Add to Apple Wallet or Add to Google Pay, depending on your device.
4. Follow the steps to complete the setup.

Handling Declines

Real-Time Decline Alerts

To get alerts for declined transactions:

1. Go to Settings > Toggle Receive real-time alerts in the mobile app.

Common Decline Reasons

• Insufficient Limit: Transactions exceeding your available limit will be declined. Check your limit in Settings > Connected Cards or Settings > Account > Credit Card Import.
• Inactive or Disabled Card: Ensure your card is active and not disabled by your Domain Admin.
• Incorrect Information: Declines may occur due to incorrect card details (e.g., CVC, ZIP code, expiration date).
• Suspicious Activity: Transactions may be blocked if flagged as suspicious. You can approve unusual merchants via your Expensify Home page. Suspicious activity may result in a manual review, and your cards could be locked temporarily.
• Restricted Country: Transactions from restricted countries will be declined.

FAQ

I haven’t received my Expensify Card. What should I do?

For help with a missing card, visit our guide on Requesting a Card.