If you’ve received an Expensify Card, this guide will help you activate and start using it right away. Learn how to check your Smart Limit, manage transactions, enable notifications, and troubleshoot common issues.

Activate Your Expensify Card

To activate your Expensify Card:

1. Log in to your Expensify account.
2. Head to Settings > Account > Wallet.
3. Locate the card and click Activate.
4. Complete the Activate your Expensify Card task – You’ll be asked to enter the last 4-digits of the physical card.

Once activated, your card is ready for immediate use.

Check Your Smart Limit

Your Smart Limit represents the maximum unapproved expenses allowed on your card.

To check your limit:

• Go to Settings > Account > Wallet and locate the card.
• If a transaction exceeds this limit, it will be declined.

Managing Your Expensify Card Expenses

Best Practices:

• Submit expenses regularly to restore your full limit. If adjustments are needed, contact your admin.
• Instant SmartScan Alerts: When using your Expensify Card, SmartScan will merge receipts with transactions.
• eReceipts: IRS-compliant eReceipts will be generated for all non-lodging transactions if your organization allows them.
• Expense Reporting: Submit your Expensify Card transactions as usual—approval refreshes your Smart Limit.

Enabling Notifications

Stay informed about your transactions and fraud alerts by enabling push notifications in the Expensify app.

iPhone Users

1. Open the Expensify app.
2. Tap the menu icon (three lines) in the top-left corner.
3. Go to Settings > Enable real-time alerts.
4. Follow the prompt to open iPhone notification settings.
5. Enable Allow Notifications and select your preferred alert types.

Android Users

1. Go to Settings > Apps and Notifications.
2. Select Expensify.
3. Enable and customize notifications based on your device.

Using Your Virtual Expensify Card

Viewing Virtual Card Details

To see your virtual card number, expiration date, and CVC:

• Go to Settings > Account > Wallet > Imported Card Feeds > Show Details.
• Note: Your virtual and physical cards share the same Smart Limit.

Making Online and Mobile Payments

• Use the virtual card for online, in-app, or in-person purchases when linked to a mobile wallet.
• Compatible with Apple Pay and Google Pay.

Adding Your Card to a Digital Wallet

1. Open the Expensify app and tap the menu icon.
2. Navigate to Settings > Connected Cards.
3. Select Add to Apple Wallet or Add to Google Pay.
4. Follow the prompts to complete the setup.

Handling Declined Transactions

To receive notifications for declines:

1. Open the mobile app.
2. Tap the menu icon (≡) and go to Settings.
3. Toggle Receive real-time alerts.

Common Reasons for Declined Transactions:

• Insufficient Limit: Check your available limit under Settings > Account > Wallet.
• Inactive or Disabled Card: Verify your card status with your Domain Admin.
• Incorrect Payment Details: Ensure the correct CVC, ZIP code and expiration date are used.
• Suspicious Activity: If flagged as fraud, transactions may require manual approval via your Expensify Home page.
• Restricted Country: Transactions in restricted regions will be declined.

FAQ

What if I haven’t received my Expensify Card?

If your card hasn’t arrived, follow our guide on Requesting a Card.