Issuing Add-On or Employee Cards

• Business cards allow add-on cards to be issued to employees for purchases

• Each card can be linked to the main account with independent controls

• Spending authority can be customized for each employee or department

• Add-on cardholders receive their own cards with a shared or sub-limit

• Cards can be activated or deactivated remotely by the administrator

Setting Spend Limits and Categories

• Issuers allow setting monthly or transaction-based spending caps

• Specific categories like fuel, travel, or utilities can be enabled or blocked

• High-risk merchant categories can be restricted for security

• Spend limits prevent budget overruns and unauthorized purchases

• Limits can be adjusted any time via the card management dashboard

Monitoring Transactions in Real Time

• Mobile apps and portals provide real-time updates on card activity

• SMS and email alerts are triggered instantly for every transaction

• Dashboards display individual employee card usage in detail

• Transactions are organized by merchant, date, and spend type

• Notifications help quickly flag irregular or out-of-policy spending

Using Statements and Reports

• Monthly statements are broken down by individual cardholder activity

• Downloadable reports support accounting, audits, and reimbursements

• Filters allow tracking expenses by time period or card user

• MIS reports help identify trends and cost optimization opportunities

• Statements can be auto-shared with finance teams or auditors

Best Practices for Control and Compliance

• Issue cards only to trusted employees with a clear spending role

• Conduct periodic reviews of employee card usage and limits

• Set a clear internal card usage policy and communicate it to users

• Revoke or freeze cards immediately in case of misuse or resignation

• Encourage employees to submit receipts for better reconciliation