> ## Documentation Index
> Fetch the complete documentation index at: https://every.help/llms.txt
> Use this file to discover all available pages before exploring further.

# Cards

> Business cards and card management in Every

## Business Cards

Manage your company's physical and virtual cards with Every's card management system.

### Card Types

<CardGroup cols={2}>
  <Card title="Physical Cards" icon="credit-card">
    Traditional plastic cards for employees
  </Card>

  <Card title="Virtual Cards" icon="wallet-cards">
    One-time or recurring digital cards
  </Card>

  <Card title="Debit Cards" icon="landmark">
    Direct bank account access
  </Card>

  <Card title="Credit Cards" icon="banknote">
    Revolving credit for business expenses
  </Card>
</CardGroup>

### Issuing Cards

<Steps>
  <Step title="Select Card Type">
    Choose physical or virtual card
  </Step>

  <Step title="Assign to Employee">
    Select the cardholder
  </Step>

  <Step title="Set Spending Limits">
    Configure daily, weekly, or monthly limits
  </Step>

  <Step title="Add Restrictions">
    Set merchant category or vendor restrictions
  </Step>

  <Step title="Activate Card">
    Card is issued and ready to use
  </Step>
</Steps>

### Card Controls

Maintain control over company spending:

<Tabs>
  <Tab title="Spending Limits">
    **Per Transaction:**

    * Maximum amount per transaction
    * Minimum amount threshold
    * Daily spending cap
    * Weekly spending limit
    * Monthly budget allocation
  </Tab>

  <Tab title="Merchant Controls">
    **Category Restrictions:**

    * Allow specific merchant categories
    * Block high-risk categories
    * Restrict geographic regions
    * Online vs in-store purchases
    * International transactions
  </Tab>

  <Tab title="Time Controls">
    **Usage Windows:**

    * Business hours only
    * Specific days of week
    * Temporary activation
    * Scheduled deactivation
    * Recurring permissions
  </Tab>
</Tabs>

### Virtual Cards

Generate virtual cards for online purchases:

**Use Cases:**

* Software subscriptions
* Online advertising
* Vendor payments
* Trial subscriptions
* One-time purchases

**Features:**

* Instant generation
* Custom spending limits
* Merchant-locked cards
* Auto-expire after use
* Easy cancellation

<Tip>
  Use virtual cards for subscriptions to easily track and cancel services
</Tip>

### Physical Cards

Traditional company cards for employees:

<AccordionGroup>
  <Accordion title="Ordering Cards">
    * Request new cards for employees
    * 5-7 business day delivery
    * Activate upon receipt
    * Set PIN for security
  </Accordion>

  <Accordion title="Card Features">
    * Contactless payments
    * EMV chip security
    * Magnetic stripe backup
    * Custom card design available
    * Company branding
  </Accordion>

  <Accordion title="Replacing Cards">
    * Lost or stolen card reporting
    * Immediate card freeze
    * Rush replacement available
    * Temporary virtual card issued
  </Accordion>
</AccordionGroup>

### Card Management

Manage all company cards in one place:

**Card Dashboard:**

* View all active cards
* See real-time transactions
* Monitor spending by cardholder
* Track against budgets
* Review pending charges

**Card Actions:**

* Freeze/unfreeze cards instantly
* Update spending limits
* Modify restrictions
* Reissue cards
* Close accounts

### Transaction Monitoring

Track card transactions in real-time:

| Feature            | Description                            |
| ------------------ | -------------------------------------- |
| Real-time Alerts   | Instant notifications for transactions |
| Receipt Capture    | Auto-request receipts from cardholders |
| Categorization     | Automatic expense categorization       |
| Fraud Detection    | Suspicious activity monitoring         |
| Dispute Management | Easy transaction disputes              |

<Note>
  All card transactions automatically sync with your accounting system
</Note>

### Expense Management

Streamline expense tracking:

1. **Automatic Capture** - Transactions appear instantly
2. **Receipt Matching** - Link receipts to transactions
3. **Categorization** - Auto-assign expense categories
4. **Approval Workflow** - Route for manager approval
5. **Accounting Sync** - Export to accounting software

### Cardholder Responsibilities

Set clear expectations for cardholders:

* Submit receipts within 48 hours
* Use cards only for business expenses
* Report lost/stolen cards immediately
* Follow company expense policy
* Review monthly statements
* Dispute unauthorized charges promptly

### Card Rewards

Earn rewards on business spending:

* **Cash Back** - Percentage back on purchases
* **Points** - Earn points for travel or gift cards
* **Statement Credits** - Direct account credits
* **Travel Benefits** - Lounge access, travel insurance

Rewards programs vary by card type.

### Security Features

Keep company funds secure:

<AccordionGroup>
  <Accordion title="Fraud Protection">
    * Real-time fraud monitoring
    * AI-powered anomaly detection
    * Instant transaction alerts
    * Zero liability protection
    * Dispute resolution support
  </Accordion>

  <Accordion title="Access Controls">
    * Two-factor authentication
    * Biometric verification
    * Device authentication
    * IP restrictions
    * Velocity checks
  </Accordion>

  <Accordion title="Card Security">
    * EMV chip technology
    * Tokenization for online purchases
    * CVV verification
    * 3D Secure authentication
    * Encrypted card data
  </Accordion>
</AccordionGroup>

### Mobile Card Management

Manage cards on the go:

* View card details in mobile app
* Instant card freeze/unfreeze
* Transaction notifications
* Receipt upload via mobile
* Spending limit adjustments
* Report lost/stolen cards

### Card Reconciliation

Easy month-end reconciliation:

* Match transactions to receipts
* Categorize expenses
* Flag missing receipts
* Export to accounting
* Generate card statements
* Archive for compliance

<Warning>
  Review and reconcile card transactions monthly to maintain accurate records
</Warning>

### Card Reports

Generate detailed card reports:

* Spending by employee
* Spending by category
* Spending by merchant
* Budget vs actual
* Declined transactions
* Missing receipts report

### Card Policies

Establish clear card usage policies:

* Eligible employees
* Allowed expense types
* Spending limits by role
* Receipt requirements
* Approval workflows
* Consequences for misuse

### International Use

Using cards abroad:

* Enable international transactions
* Foreign transaction fees (if any)
* Multi-currency support
* Exchange rate transparency
* Travel notifications
* Emergency card services

<Tip>
  Notify the card team before international travel to prevent declined transactions
</Tip>

### Card Integrations

Connect cards with other tools:

* Accounting software (QuickBooks, Xero)
* Expense management systems
* Travel booking platforms
* Receipt capture apps
* ERP systems
* Reporting tools