You have four ways to make payments with your Spendesk card. Here's how you can start using it.
Physical Payments
In Europe
Before using contactless payment, activate your card with your PIN. You have the following options:
Insert your card into the POS terminal and enter your PIN.
Alternatively, place your card near the contactless sign on the POS terminal to make a contactless payment (the limit is 50 EUR per transaction).
Don't forget to add your receipt to the Spendesk payment.
In the United States
You can pay in the following ways:
Insert your card into the POS terminal and enter your PIN.
Swipe your card through the terminal.
Alternatively, place your card near the contactless sign on the POS terminal to make a contactless payment (the limit is 50 USD per transaction).
As always, be sure to add your receipt to the Spendesk payment.
Virtual Payments
To make online payments:
Complete the payment form on the website.
Download our mobile app.
Ensure that you’ve added your phone number to Spendesk before making the payment, as this is necessary for 3DS verification. If you don’t add your phone number, the payment will be cancelled.
If a 3DS verification is required, validate it.
Add your receipt to the Spendesk payment.
Please note that for transactions over 500 EUR, our banking partner requires 3DS authentication, even for recurring payments.
Pay Using Your Phone (without using your physical card)
To pay using your phone:
Add your Spendesk physical card to the 'Curve' app.
Add 'Curve' to Apple Pay or Google Pay.
Use the 'Curve' app on your phone to make contactless payments.
You no longer need to take your card out of your wallet. Simply make the payment with your phone and remember to add your receipt to the Spendesk payment.
Note: Curve accounts are no longer free (a 4.99 GBP fee applies at account opening). You may want to discuss with your manager if this fee is worth it for your needs. Additionally, Curve may apply fees in GBP for purchases made in euros.
Pay Using Spendesk with PayPal
To pay using PayPal:
Add your Spendesk card to your PayPal account.
Make sure you’ve added your phone number to Spendesk for 3DS verification. Without this, the verification process will fail.
On the website, select PayPal as your payment method.
Log into your PayPal account when prompted by the website.
Choose your Spendesk card as the payment method and complete your payment without having to manually enter your card details.
Once again, don’t forget to add your receipt to the Spendesk payment.
FAQ
Q: Do I need to activate my Spendesk card before making a payment?
A: Yes, if you're in Europe, you need to activate your card by entering your PIN before using contactless payments.
Q: Is there a limit on contactless payments?
A: Yes, the limit is 50 EUR in Europe and 50 USD in the United States per contactless transaction.
Q: What happens if I don't add my phone number to Spendesk?
A: If you don't add your phone number, 3DS verification will not be possible, and your payment will be cancelled.
Q: Can I use Spendesk with PayPal?
A: Yes, you can link your Spendesk card to PayPal for payments, but be sure to add your phone number to Spendesk for 3DS verification.
Q: Are there any fees associated with the Curve app?
A: Yes, Curve accounts are now subject to a 4.99 GBP fee at account opening, and there may also be fees for purchases made in euros.