Add-on Cards

Check about Razorpay Corporate Cards and how to get an Add-on Card.


Corporate Cards system is a reliable expense management mechanism for an organization. It provides accountability and control over expenses of an employee for business purposes. Maintaining a record becomes easier and transfer of money remains secure.

The business management can delegate and give spending ability to different team members from a single credit card account without giving their card to everyone or going through the rigmarole of reimbursement.

In addition to smart limits on each type of card, the management need not get into the weeds of expenses. They can set add-on credit limits, lock them and set limits on types of expenses they can make.

Use Cases🔗

Some of the use cases that are addressed with the Razorpay Capital Add-on cards are:

  • Startups: Startups generally have more specialized roles for different functions with more autonomy to team members. They are the primary users for add-on cards on RazorpayX Corporate Cards. Add-on cards with limits are perfect for them.
  • Partnerships and Private companies: Unlike proprietorships, they have more than one decision-maker who makes spending decisions for different things or at other times. They may not want limits but add-on cards are a use case for them.
  • Consulting firms: Similar to above, they have many decision-makers in charge of different projects at a time that might need spending. However, since they are not partners, the limits might still come into play.

Default User Roles🔗

Role

Permission

Owner/Admin

Access to all the sections of the Cards product; Take the final call.

Finance

Access to all the transaction and card information and can make repayments and change the repayment settings.

Cardholder

View transactions and card data linked to their user id.

Viewer

View all cards of the organization.

Refer to the table below for a list of permissions and privileges available to different user groups.

Permission Group

Permission \ role

Owner

Finance / Admin

Cardholder / Operations

Viewer / Analyst

Card

View own card data

View own card settings

View all cards data

x

View all card settings

Modify own card settings

x

Modify all card settings

x

x

Repayment

Make repayment

x

x

View repayment settings

x

x

Modify repayment settings

x

x

User & Card Management

View user management settings

x

x

x

Invite user

x

x

x

Edit user invite

x

x

x

Remove user

x

x

x

Assign a card to the user

x

x

x

Unassign card to the user

x

x

x

Change user access

x

x

x

Get an Add-on Card🔗

Watch the video to get an Add-on Card.

To get an Add-on Card:

  1. Request the Add-on card for a new team member with the role and the limit that needs to be assigned.
  2. The new team member gets an email asking them to complete individual KYC.
  3. The team member gets access to the dashboard as per their role.
  4. They also get a virtual card and a prompt to confirm the address for card delivery.
  5. They get a physical card in a few days.

Billing and Repayment🔗

Generation of statements and repayment will work as usual with one single card. The credit account will be the same for all cards, so the repayment for all cards will happen from one bill.

Primary account holders (Owner/Admin) can control which add-on card user can manage repayment automatically or manually.

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