If you are an Account Owner or Controller you have access to your Spendesk wallet which includes different amounts, on the "Controller" view of the login page (Controllers and Account owners) and more detailed on the Settings > Your wallet > wallet details tab.

Prepaid account view

Debit account view

Differences between prepaid and debit view

Login page ("Control" view, for Administrators and Account Owners)

This view displays:

  • the amounts available on your account for spending

  • the amount loaded on the cards

  • transactions pending

Wallet Details page

Amount available

Amount that can be used for new requests/expenses in the Requests tab.

Loaded on cards

This corresponds to the amounts currently loaded on cards that have not yet been spent.

It is the sum of what is available on :

-the budgets of recurring cards (Subscriptions tab)

-budgets for physical cards (Cards tab)

-validated requests (Requests tab) when the user has clicked on "Get Card" (money is locked on the card but not yet spent).

It is possible to unload / delete cards at any time to decrease this amount / recover funds (on prepaid cards, starting with the numbers 5591).

🤓 When a request is not used, we advise you to manually delete it from your "Requests" tab to avoid blocking the funds unnecessarily.

For example: if a member makes a request for 1000€, clicks on "Get card" but does not use the card to make a payment, then the 1000€ loaded on the virtual card will be valid for 1 month (validity period of a one-time purchase card) and blocked for this time on the card.

In the "Requests" tab, only requests for which the Applicant has clicked on "Get Card" block money, otherwise the card is not loaded.

On debit cards (starting with 5356), the amounts are not blocked on the request, you just have to make sure that the "available" amounts in the Spendesk account are sufficient to cover your payment.

Please note:

There is always an extra +2€/£/$ added on each card for security reasons.

Pending Transactions

They correspond to the amounts in Payments > Pending Transactions.

These amounts are intended to appear in "Payments of the month" if the transaction was successful. Otherwise, they will expire within 18 days (30 days in countries other than France) if the payment has failed or if the line was only a deposit / penny-check.


About account funding

☝️ As soon as amounts are added to your Spendesk account, the cards are topped up in this order of priority:

  • physical cards, from the highest budget to the lowest.

  • Subscription cards, from the highest budget to the lowest.


New "Wallet Details" interface (only available for companies fully migrated to debit cards)

This interface is visible for any company transferred to a debit account (via a new banking partner) that has already renewed all of its prepaid cards for debit.

Once this is done, the new "Wallet Details" interface is activated the next morning before 12 pm (CET).

Two cases are possible:

1 - Your funds are sufficient to cover your card expenses

Login page ("Controller" view, for Administrators and Account Owners)

New Wallet Details page

Total amount on wallet

= Amount allocated to your cards + amount available

Amount allocated to your cards

= Spending limits applied to your physical and virtual cards.

Amount available

= Amount that can be used for new Requests.

2- Your funds are insufficient to cover your card expenses

If the sum of your transfers + credit card top-ups to fund your Spendesk account is insufficient to cover your expenses for the month (= card limits) the Controller view of your home page displays a "shortfall" - the difference between your established card limits and the funds that were loaded on your account up to now.

The account details also change in this case: they display the amount to be transferred to your Spendesk account to cover the shortfall.


Differences between prepaid and debit accounts

It might be a bit confusing for you to switch from prepaid to debit!

Here are some notable changes:

  • On prepaid accounts the source of funding is the card itself, on debit accounts the source of funding is the company's "available" amount.

On prepaid accounts, amounts are loaded on the cards. On debit accounts, what you see as the card's available funds is a limit set on the card, and if your "available" amount in the wallet is not above your card's limit, there is a risk that a payment might fail. This new behavior allows you to avoid blocking funds on your account if you don't need them immediately.

Example:

Prepaid account:

My subscription card shows 70 euros available, and my company's "available" amount shows 0. I'd like to make a purchase for the office.

Since my card is loaded with 70, I can proceed to my purchase. My Account owner can top up the wallet for other users / purchases later.

Debit account:

My subscription card shows 70 euros available, and my company's "available" amount shows 0. I'd like to make a purchase for the office.

Since my cards' funding source is not actually my card but the "available" amont of the wallet. I cannot proceed to my purchase. My Account owner should either top up the wallet to get available amounts, or lower some cards' limits so that the "allocated on cards" limit is lowered, and the "available amount" raised.

  • Budget / Available display on prepaid and debit

Although both debit and prepaid subscriptions/physical cards might appear as loaded, fully or partially, the funds are only "truly" loaded on prepaid cards. On debit cards, payments will go through only if the purchase's budget is lower than the "available" amount of the company wallet.

If you'd like to know more on why we switched to debit cards, click here!

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