Identify the account owner
Confirm the contracting entity, balance ownership, who can freeze cards when an employee leaves and who can export complete records. A founder’s personal account is not automatically a corporate permission system. Commercial use must fit the product terms.
Questions for KYB onboarding
- Which incorporation countries, entity types and industries are supported?
- What company, beneficial-owner, controller and authorized-person evidence is required?
- Do employees need separate KYC, and who can view card details or change limits?
- What happens to balances during rejection, account closure or additional review?
Turn team features into demonstration requests
| Capability | Evidence to request |
|---|---|
| Roles and approvals | Admin, finance and cardholder permissions, plus action logs. |
| Budgets and limits | Per-card, employee, project and period limits with change history. |
| Card lifecycle | Creating, suspending, closing and transferring responsibility. |
| Transaction controls | Which merchant, category and geography controls actually exist. |
| Reconciliation | Original and settlement currencies, exchange rate, fees, refunds and transaction IDs. |
PhotonPay’s business-card material illustrates team controls and issuing APIs as comparison dimensions. It is an issuer’s description, rather than evidence that every corporate product provides those features. Confirm the quote and contract.
Quote your actual usage
Provide monthly budget, active cards, funding frequency, payment count and currencies. Ask separately about issuance, funding, transactions, card subscriptions, account fees, declines, refunds and closure, including any minimum spending or retained balance.
For an illustrative budget, ten funding events at 1 USD each cost 10 USD; fifty cards at 2 USD per month add 100 USD. These are example inputs, not an issuer quote. Our existing transaction-cost calculator does not automatically include every team administration charge.
Test a full operational cycle
- Start with one project, a few employees and explicit budgets.
- Verify issuing, approvals, notifications, limit changes and freezing.
- Make a real purchase and follow a refund or reversal record.
- Have finance reconcile an export before extending the program.
For advertising teams
Also check platform acceptance, BIN, 3DS, declines and spending limits. Use the advertising-payment guide and the directory’s advertising filter. Team features do not guarantee that an advertising platform will accept the card.
PhotonPay: business USDT virtual-card comparison
CryptoCards: business-card topic reference
An original verification guide. Current issuer terms and account eligibility take priority.