Here are the major 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!