Cardholder Settings and Features

Once you receive your Expensify Visa® Commercial Card, you can activate it and start using it immediately. When you use your Expensify Card, expenses are automatically created, and SmartScanned receipts are matched to the corresponding transactions. For most purchases, excluding lodging, Expensify also generates IRS-compliant eReceipts. If your organization doesn’t require itemized receipts, you can rely on eReceipts to meet documentation requirements.

Activate your Expensify Card

  1. In the left-hand menu, select Reports > Tasks.
  2. Complete the task labeled Activate your Expensify Card.
  3. Enter the last 4 digits of your physical card to activate it.

Once activated, your card is ready to use!

View Your Smart Limit

Your Smart Limit is the amount you’re allowed to spend without approved expenses. This limit is set and managed by your workspace admin.

To view your current limit:

  1. From the left-hand menu, select Account > Wallet.
  2. Click your Expensify Card to view your Smart Limit.

If you try to make a purchase that exceeds this limit, the transaction will be declined.

Enable Notifications

Get real-time alerts for purchases and declines by enabling push notifications.

iPhone

  1. Open your device’s Settings.
  2. Scroll down and tap New Expensify.
  3. Tap Notifications and toggle notifications On.
  4. Customize your alert style based on your preferences.

Android

  1. Open your device’s Settings.
  2. Tap Notifications, then App notifications.
  3. Find and tap New Expensify.
  4. Toggle notifications On.
  5. Customize your alert style based on your preferences.

See this guide for more information on setting up Expensify Card notifications.

Manage Your Card Expenses

  • Submit expenses regularly: As expenses are approved, your Smart Limit is restored.
  • SmartScan receipts: Receipts will auto-merge with card transactions when scanned.
  • eReceipts: IRS-compliant receipts are generated for most transactions except lodging.
  • Expense reporting: Submit your card transactions like any other expense. Approval refreshes your available Smart Limit.

The Virtual Card

Virtual cards are great for online and mobile purchases. They share the same Smart Limit as your physical card.

Benefits of using a virtual card

A virtual card is a secure, flexible way to manage online spending:

  • Flexibility: Create and delete cards instantly.
  • Customizable limits: Set spending limits for individual cards.
  • Security: Issue cards for one-time or recurring use, reducing the risk of fraud.
  • Spending insights: Assign cards to teams or vendors to track recurring expenses

View your virtual card details

  1. From the left-hand menu, go to Account > Wallet.
  2. Click your Expensify Card.
  3. Click Reveal Details to view the card number, expiration date, CVV, and billing address.

Add the Card to Your Digital Wallet

Follow these steps to add the Expensify Card to your digital wallet:

  1. Open the Expensify app.
  2. Tap your profile image, then go to Wallet.
  3. Select your Expensify Card.
  4. Tap Add to Apple Wallet or Add to Google Pay and follow the prompts.

For more details on adding a card to Apple or Android Pay, see this guide.

FAQ

What if I haven’t received my Expensify Card?

If your physical card hasn’t arrived within a week, you’ll want to double-check your mailing address and order a new card. See this guide for requesting a new Expensify Card.

Why did my card get declined?

Common reasons for Expensify card declines include:

  • Smart Limit exceeded: Check your available limit under Account > Wallet.
  • Inactive or disabled card: Contact your workspace admin to confirm the status of your card.
  • Incorrect details: Double-check the CVC, ZIP code, and expiration date.
  • Suspicious activity: You may need to manually approve flagged transactions from your Home page.
  • Restricted country: Transactions are blocked in specific regions due to US sanctions.

How do I deactivate my card and request a replacement?

If your card is lost, stolen, or damaged:

  1. Go to Account > Wallet from the left-hand menu.
  2. Locate your physical card and click Report card lost or damaged.
  3. Choose the reason for the card replacement.
  4. Enter your updated address under Please confirm the mailing address for your new card and click Save.
  5. Update your mailing address and click Deactivate card to complete the card replacement process.

Didn't find what you were looking for?

Concierge is here to answer all your questions.