This article outlines how company admins can manage employee cards, including viewing, editing, freezing, cancelling, and managing virtual cards.
On this page:
Important: A frozen card can be unfrozen (by an Admin user) at any time. A cancelled card is permanent and cannot be undone.
Physical and virtual cards
Learn the key differences between Budgetly physical and virtual cards, including when to use each one. Click here if you need help with issuing a new card.
What’s the difference?
| Feature | Virtual card | Physical card |
|---|---|---|
| Format | Digital only. | Plastic card mailed to you |
| Use | Online purchases (in-store tap only) | In-store (tap or insert) and online |
| Delivery | Instantly available in-app | Delivered in 7–10 business days |
| Security | Safer for online use – easy to freeze | Can be lost or stolen physically |
Benefits of virtual cards
-
Available immediately after issue – no waiting for delivery.
-
Great for online purchases or subscriptions.
-
Can be frozen or cancelled instantly through the app.
-
No risk of physical loss or theft.
Benefits of physical cards
-
Allows in-store purchases via tap, insert, or swipe.
-
Ideal for staff who regularly shop in person.
-
Can be used where online-only cards aren’t accepted (e.g. some transport terminals or in-store terminals needing physical tap).
Things to keep in mind
-
Virtual cards can’t be used at physical terminals unless added to a mobile wallet (e.g. Apple Pay, Google Pay).
- Click the
icon to view the card details for virtual cards. -
Physical cards take time to arrive and may need to be reissued if lost.
-
Both card types can be managed via the Budgetly mobile app.
How to freeze a card
From the menu on the left, click Cards, then find the card within the list:
- Click the last 4 digits of the card.
- Within the card's details page, look to the top right and click the Freeze card button.
Confirm by clicking yes, and the card is now frozen. All transactions will now be declined.
Tip: A frozen card can be unfrozen (by an Admin user) at any time.
How to cancel a card
From the menu on the left, click Cards, then find the card within the list:
- Click the last 4 digits of the card.
- Within the card's details page, look to the top right and click the Cancel card button.
- Select a reason for cancellation.
- Re-type the last four digits of the card.
- Click the Yes, cancel the card button.
Note: A cancelled card is permanent and cannot be undone.