What is the fee per card?
There are no fees per card!
Do I need virtual or physical cards?
It depends on how you want to use your cards. Virtual cards work great for online transactions and can be used with Apple or Google Pay, which may cover over 90% of your transactions. However, most restaurants and hotels only take physical cards.
Are virtual cards real credit cards?
Yes, virtual cards are real credit cards. They work exactly the same as your plastic cards, minus being a physical object you can hold. These cards can be loaded into both Apple and Google/Android Pay.
How long does it take to create a virtual card? Physical?
It takes only a few seconds to create both virtual and physical cards. Virtual cards are available instantaneously, and physical cards arrive in 5-7 business days.
Can I use these everywhere?
Emburse Cards are accepted everywhere that accepts Visa/ Mastercard globally.
Can I use these to withdraw cash at an ATM?
No, Emburse Cards are not capable of making ATM withdrawals.
Will I be charged transaction fees?
Emburse Cards have no fees for purchases using in the currency listed in your Emburse Cards account.
Transaction fees are charged by Emburse's issuing processor on all foreign currency transactions. They will be billed to your account balance in a single lump sum for all foreign transactions during your billing period.
The foreign transaction rates are as follows:
- US-based Emburse Cards accounts: 1% + $.30 per transaction
- EU-based Emburse Cards accounts: 1% + €.30 per transaction
- UK-based Emburse Cards accounts: 1% + £.30 per transaction
How can I get rid of a pending transaction?
A pending transaction is a recent card transaction or hold that has not yet been fully processed by the merchant. If the merchant doesn't end up charging you, they will release the transaction ad it will be eliminated from your account. If there is a pending transaction that needs to be released on your Emburse Card, we recommend that you reach out to the merchant to release the pending transaction. Emburse Cards cannot release pending transactions because it's up to the merchant to release them. Some merchants can take 3-5 business days to release transactions. If the merchant doesn't release the transaction, the pending transaction will automatically be released after 30 days.