PEX Card Claimed Company

PEX Card is a corporate prepaid card solution provider for small and medium sized companies to control employee spending. read more

EMPLOYEE PARTICIPANTS: 3

TOTAL RATINGS: 52

CEO: Toffer Grant

PEX Card FAQs

PEX Card's Frequently Asked Questions page is a central hub where its customers can always go to with their most common questions. These are the 145 most popular questions PEX Card receives.

Frequently Asked Questions About PEX Card

Release Notes 23.0

January 3, 2019
Feature Releases
1: NEW: ORDER TAGS AND TAG OPTIONS
Attention: Pro and Infinite customers
1a) PEX Tags allow cardholders and admins to easily and flexibly classify transactions. Admins can now set an order for tags in the Tag Manager by simply dragging and dropping tags in the Tag Manager.
Tags will be shown in the defined sort order on all transaction detail screens and transaction review screens.
1b) . For tags of type dropdown, the tag options can be sorted by dragging and dropping on the tag creation/edit screen.
1c) The order of tag options is now preserved when importing tag options via a CSV. To change the order of tag options, you can drag and drop in a spreadsheet tool, or use auto-sort to order the tag options. Once you have saved the CSV in your preferred spreadsheet tool, upload the file to the PEX tag manager and the tag options will be re-ordered to match the order in the CSV.
1d) Easily change the visibility of tag options via CSV import. When importing tag options via CSV, you can set the Visibility of the tag options in the right-most column by entering YES for Visible or NO for hidden.
2: NEW: MOBILE RECEIPT REMINDERS FOR CARDHOLDERS
Attention: Admin and cardholder users
Admins can now enable automatic receipt reminder notifications to be sent to their cardholders mobile apps. This feature can be enabled on the business settings tab under the section titled Receipt reminder for cardholders.
In addition to enabling the feature, admins can also choose to only remind cardholders to attach receipts for purchases above a certain dollar threshold in accordance with their companys policy.
Cardholders who have installed the PEX Mobile App for iOS or Android will receive a reminder notification 24-48 hours after their purchase if they have not yet uploaded a receipt. Tapping or swiping on the notification will bring the cardholder to the relevant transaction record. No reminders will be sent if the transaction has an attached receipt.
Bug Fixes and Improvements
Attention: Admin, Cardholder and API users
Bug fixes and improvements for PEXs web, mobile and API products.
DEV-17847
Cardholder statements now follow the business statement date setting when the business has a non-standard statement start date.
View Article
How to Sync Transactions with QuickBooks Desktop

Note: QuickBooks Desktop Sync isonly available with selected plans.
Note:
The sync feature only works with QuickBooks Desktop. It does not work with QuickBooks Online. Please contact your customer success manager if you are interested in connecting your PEX account with QuickBooks Online.
QuickBooks Desktop Sync
QuickBooks Desktop Sync currently supports syncing with the U.S. editions of:
QuickBooks Financial
QuickBooks Enterprise Solutions (2015 or later)
QuickBooks Premier (2015 or later)
QuickBooks Pro (2015 or later)
How to Sync Transactions with Quickbooks Desktop
QuickBooks Desktop Sync has three main steps:
Configuring the Connection (in most cases this is a one time setup)
Setting up the Web Connector
Syncing the Transactions
1. Configuring the Connection
Choosing a Bank Account
In QuickBooks Desktop, the chart of accounts is defined in company file. You need to have a bank account against which all PEX transactions will be recorded.
Enter that bank account manually in the Bank Account field. The name entered in PEX configuration should match exactly the bank account name they have created in QuickBooks Desktop.
download the QuickBooks Web Connector
Enter Bank Account Information
Mapping Your PEX Tags (optional)
Customers on the PRO or Infinite Plans have the option to manage transactions using the PEX Tag manager.
You can map up to two tags from PEX to QuickBooks Desktop:
Expense Account: This is the main classification tag for an expense. You can choose a PEX tag from the drop down list to map to Expense Account tag. The value of this tag will be used to populate the Expense Account field in QuickBooks Desktop.
The Default Expense Account:This is the default value used to populate the Expense Account in QuickBooks Desktop, if no PEX tag was assigned to the transaction.
Expense Class: This is the secondary classification. You can select a PEX tag to map to Expense Class in QuickBooks Desktop.
If your organizationis not using the PEXtag manager, you will only have the option to choose a default Expense Account. No drop down list will be provided in that case.
Please make sure your PEX tags are properly set up in PEX tag manager. "Option Value" for a tag should match exactly with the account name (with out the numeric part) from your Quickbooks company file. For example,
AccountName in Quickbooks
"Option Value" in PEX tag manager
5420.Vehicle Expense
Vehicle Expense
Setting a Date Range (optional)
The default option is to sync All available transactions
This includes all transactions from the date you last synced, until the present date
If you are running sync for the first time, then this option will sync all transactions in the last 12 months
To test connectivity, or to sync only a limited number of transactions, you should choose the second option, to sync All transactions in a date range
If you choose "All transactions in a date range, then you must specify a Start date
Choosing an End date is optional
If an End date is not specified, the current date is considered to be the End date
Note that the date of transaction settlementis used when evaluating the Start and End dates.
All transactions settled between the Start date and End date will be synced
If you are using the "Auto-Run" setting for WebConnector (see step 2 below), do not specify an End date.
Setting the Date Range
Transaction Approval Status
You can also choose to sync transactions based only on their review approval status.
The options are:
To sync all transactions regardless of status
To sync only approved transactions
To sync both approved transactions and ignored transactions
The last option -- to sync approved transactions and ignored transactions -- will not sync any transactions that were rejected
Select Transactions by Approval Status
2. Web Connector Setup (one time set up only)
We integrate with QuickBooks Desktop via the Intuit Web Connector. You need to have the Web Connector application installed in order to use this feature. It is usually installed with QuickBooks Desktop.
You can also if you don't already have it.
Open the Intuit Web Connector
If prompted, grant the Web Connector permission to access QuickBooks
Click on Add an Application
Select the Web Connector file downloaded in the previous step
Click OK
Select the last option Yes always: allow access even if QuickBooks is not running
Click Continue
Input your PEX admin password in the Password column
If you want to perform a one-time sync, uncheck the Auto-Run check box
Select the check box on the leftmost column
Click the Update selected button
QuickBooks Web Connector -- Set to Auto-run Every 2 Minutes
3. Transaction Sync
You can choose to run the transaction sync once (manual sync), or you can set it to auto-run every selected number of minutes.
Auto-Run Sync
Check the Auto-Run check box
Set the time interval in Every_Min column.
Transactions will be synced automatically after every X minutes, as you specify.
Manual Sync
Uncheck the Auto-Run check box
Each time you want to sync transactions, click the Update Selected button
Things to Keep in mind
QuickBooks Desktop Sync does not allow one to use the transaction review in the QuickBooks Bank Feed. It will post transactions directly to the company file.
To review transactions prior to posting into QuickBooks, use the PEX transaction review process
For the first time sync, it is always advisable to use the date range option.
Make sure all transactions appear as expected before selecting "All available transactions
Once the Sync process has started, it cannot be stopped or cancelled
The process will sync all transactions that affect the customers PEX account balance, including:
All PEX card transactions (network transactions)
All fees (e.g., monthly account maintenance fee, any shipping fees, ISA fees)
All ACH debits and credits
Wire transfers
Merchant credits
Please make sure you have a "Vendor" in Quickbooks company file for each Merchant of your PEX card's transactions. Alternatively, a "Default Payee" can be configured.
* Screenshots of the QuickBooks Web Connector are reprinted with permission Intuit Inc. All rights reserved.
View Article
How to Fund by Wire Transfer

A wire transfer from your bank to your PEX account is the fastest way to fund your PEX account.
Wires are posted at PEX 8 AM- 5 PMET, Monday - Friday (except on Federal Holidays).
Wires received after 5 PMET will be posted to your PEX account on the next business day
Wirereceipt times will vary, depending upon your bank's process (e.g., it may take less than 30 minutes for a wire to post, or more than 1 hour)
PEX is unable to pinpoint the hour a wire will be received; however, wire transfers are posted within a few minutes of receipt
Most banks charge for this service. PEX does not charge a fee to receive a wire transfer.
Note:
To avoid posting delays or wire returns, please review the following:
PEX will post wires showing the exact business name as the PEX business account or its registered DBA
If PEX does not have your DBA document on file, then PEX will request it, and then PEX will post the wire to your account
PEX is unable to accept wire transfers from third-party bank accounts.
Third-parties are:
Other companies owned by the owner of your company
Your company's vendors or customers
Subsidiary or parent accounts of your company
Personal bank accounts
Wires sent from third-parties will be returned to the sender
In that case, the turnaround time may exceed one hour
How to Initiate a Wire Transfer:
Log into the Administrator Site
Click on theTransfers tab
Click on Wire Instructions in the blue bar
Give your bank the information thats listed on-screen
Be sure that your bank does not send the wire with your name or an associated third party as the sender
Check your Administrator Site to confirm that the wired funds are available in your PEX account
Click "Wire instructions" for instructions on how to wire funds to your PEX account
View Article
Low Balance Alerts for your PEX Account

Administrators can subscribe to emails with an alert if your PEX Account Balance drops below a certain value. This is useful if you wish to ensure that the balance in your business account remains above a certain value.
To enable alerts on your PEX account, please contact PEX Administrator Support with the email addresses for the administrators should receive notifications and the threshold for which alerts should be enabled.
Each administrator with the notification enabled will receive an email shortly after the balance has dropped below the specified threshold. Additional alerts will be sent upon changes to the PEX Account Balance, if the balance continues to remain below the threshold.
Please note that cardholder balance notifications are not yet available.
View Article
International Use of the PEX Card

Cardholders can use the PEX card Internationally, when the Administrator gives them permission.
There are certain countries where the US Government and our banking partners block the use of the card, to fight the funding of terrorism and to prevent money laundering and fraudulent transactions
The full list of sanctioned countries can be found in the last section of this article, "International Use of the PEX Card: Definition, ISA, Sanctioned Countries"
How to Give the Cardholder Permission to Use the Card Internationally
The Administrator can turn the International feature On or Off:
Within the Cardholder Spend Rules section of the Administrator Site
Within the Cardholder Spend Rules section of the Mobile App
Download the iOS app from the App Store
Download the Android app from the Google Play Store
The download is free but carrier data rates may apply
How to Turn International Permission On/Off Through the Administrator Site:
Log in to the Administrator Site
Click the "Cards" tabat the top of the page
Click Card List
Locate and click on the cardholder's name
Click on Spend Rules under the blue bar with the cardholders name
Check/uncheck the box under International Use to turn the card On or Off for international use
Click the green Update button at the bottom of the Spend Rules page
Check/uncheck the box under International Use. Click the green Update button.
How to Turn International Permission On/Off Through the Mobile App:
Log in to the Mobile App
Click the Cards icon at the bottom of the screen
Locate the cardholder
Click on the cardholders name
Click the Cards icon to see the list of cardholders. Click on the cardholders name.
Click on "Spend Rules"
Click on Spend Rules
Click on International Use
Click International Use
Click the On/Off button to give the cardholder permission to use the card internationally (or not).
Click the On/Off button
International Use of the PEX Card: Definition, ISA, Sanctioned Countries
Definition of International
PEX defines as International any transaction outside the 50 US States and the District of Columbia
This is the case even when the transaction is denominated in US Dollars (e.g., in Panama, where US dollars are legal tender)
ISA (International Service Assessment) Fee
International transactions incur the International Service Assessment (ISA) fee, equal to 1.5% of the value of the transaction
Administrators can see the ISA fee as a separate line item within the transactions list
Sanctioned and High Risk Countries - PEX Card Blocked
In accordance with US Government sanctions, and in keeping with rules of our issuing bank to minimize the risk of money laundering and fraudulent transactions, the PEX card will not work in the following countries:
Sanctioned Countries
Albania
Bosnia andHerzegovina
Belarus
Burundi
Central African Republic
Congo, Democratic Republic of the
Congo, Republic of the
Cote d'Ivoire (Ivory Coast)
Croatia
Cuba
Iran
Iraq
Latvia
Lebanon
Liberia
Libya
Macedonia
Mauritius
Myanmar (Burma)
North Korea
Nigeria
Russia
Slovenia (Balkans)
South Sudan
Sudan
Syria
Ukraine
Venezuela
Yemen
Zimbabwe
View Article
Mobile App - Overview (Cardholder)

The PEX Mobile App
Cardholders can perform key tasks quickly and easily using the PEX Mobile App.
There are PEX Mobile Apps for Android and for iOS devices.
With the Apps, cardholders can:
Check card balances
Request funds
Attach receipts to transactions
Review transactions
See the Spend Rules that govern the card
Edit or change the cardholder's username, password, and email address
Call Customer Support from the app
Download the Mobile App (Android and iOS):
Download the iOS App from the App Store
Download the Android App from the Google Play Store
The download is free but carrier data rates may apply
To take advantage of the latest features in the PEX mobile app, a mobile device or operating system upgrade may be required
If you experience difficulties with the app, uninstall it and then reinstall it, to ensure that the latest version is in use
How to Log In to the Mobile App:
Enter the username and password that you use for the Cardholder Site
Click Login
If you do not already have a PEX username and password, then click First Time Login on the Mobile App home screen and follow the directions
If you are unable to create a Cardholder User Account, please check with your business administrator
How to Check Your Card Balance:
Log into the Mobile App
Click the Account icon at the bottom of the screen
The card balance appears on the first screen
Click the Account icon to see the card balance
Please Note:
Not all businesses allow cardholders to check their card balances
Your business administrator can also tell you your card balance
How to Request Funds:
Log in to the Mobile App
Click the Account icon at the bottom of the screen
Click Requests
Click Account. Click Requests.
Enter the amount of your request
Add a Note if desired
Click Request in the blue bar to submit your request
Enter amount of request. Add note if desired. Click Request.
The submitted request is shown as Pending until the Administrator fulfills it
The submitted request is shown as Pending
How to Upload a Receipt:
Cardholders can attach an image of a receipt to a transaction record, using the PEX mobile app.
To Attach a Receipt to a Transaction Record:
Take a picture of the receipt
Locate the transaction
Attach the image and upload it one file per transaction
While uploading the image of the receipt, the PEX system will verify:
That the image format is supported by the system:
.PNG
.JPG
That the file contains no malware or computer viruses
That the file is not corrupted
That the file is smaller than 10 MB
How to Upload a Receipt When Your Phone is Connected to the Internet (Option 1):
Log in to the PEX Mobile App
Click on the Transactions icon at the bottom of the screen
Navigate to the cardholder transaction list
Click on the correct merchant transaction for the receipt
Click on the transaction to which you want to attach the receipt
Click the "Add Receipt" button
In Android, it is a green plus sign (+)
In iOS, it is an icon of areceipt
Click on the "+" sign (Android) or the Receipt icon (iOS) to attach a receipt to the transaction record
There are two ways to attach the receipt image to the transaction (you can crop or rotate the image before you upload it):
Take a photo of the receipt with the camera
Use an image of the receipt thats already in your image Gallery
Take a picture of the receipt with the phones camera, or upload an image of the receipt from the image Gallery
Upload the image of the receipt to PEX
You can add a Note to the Transaction record
How to Upload a Receipt When Your Phone is Not Connected to the Internet (Option 2):
Take a photograph of the receipt with your phones camera
Note: You cannot log in to the PEX app when you are offline
Log in to the PEX Mobile App when you are online again
Find the transaction you want
Click on it to see the Transaction Details
Click the Receipt icon at the bottom of the screen
Click the Receipt icon (iOS) or the "+" (Android)
Select the image of the receipt you want from the Receipt Source Gallery
When you are online, upload the image of the receipt from the Receipt Source Gallery
Attach the image of the receipt to the transaction
Note: The only transactions that will appear here are transactions without receipts, and transactions with a receipt where the status is Rejected
Upload the image of the receipt to PEX
You can add a Note to the transaction record
How to Add Notes to a Transaction:
Log in to the Mobile App
Click on the Transactions icon
Click on the transaction
Click on the Transactions icon. Click on the transaction.
Click on the Note icon
Click on the Note icon
Write the note
Click Done
Click Done after writing the Note
The Note is added to the Transaction Details
The Note is added to the Transaction Details
How to Review Transactions:
Log in to the Mobile App
Click the Transactions icon at the bottom of the screen
See transactions by month for the last 12 months
Click the Transactions icon to see transactions by month
How to See Spend Rules:
Log in to the Mobile App
Click the Spend Rules icon at the bottom of the screen to see the cards permissions, e.g.:
International Use
Card-not-present Use
Authorized Merchant Categories
Spend Limits by Merchant Category (if any)
Click Spend Rules icon to see spending permissions
How to Edit or Change Your Username:
Log in to the Mobile App
Click the Settings icon at the bottom of the screen
Click Account Settings
Click Settings icon. Click Account Settings.
Click Edit after Username
Click Edit after Username
Enter current password
Enter and re-enter new Username
Click Save to confirm the changes
Enter your current password. Enter and re-enter the new Username. Click Save.
How to Edit or Change Your Password:
Log in to the Mobile App
Click the Settings icon at the bottom of the screen
Click Account Settings
Click Settings icon. Click Account Settings
Click Edit after Password
Click Edit
Enter the current password
Enter and re-enter the new password
Follow the system requirements
Click the Save button to confirm the new password
Enter the current password. Enter and re-enter the new password. Click Save.
How to Edit or Change Your Email Address:
Log in to the Mobile App
Click the Settings icon at the bottom of the screen
Click Account Settings
Click Settings. Click Account Settings.
Click Edit after Email
Click Edit after Email
Enter your new email address
Click the green Save button to confirm the change
Enter email address. Click Save.
How to Call Customer Support:
Log into the Mobile App
Click the Settings icon
Click Support
Click Settings. Click Support.
Click OK to call PEX Customer Support
Click OK to call PEX Customer Support
View Article
PIN versus Credit Transactions

PEX Cards are not shipped with preset PINs.
Only your business administrator can set and reset your PIN.
In most cases, you can easily make purchases by choosing Credit for transactions, either with a signature or by using the cards billing zip code when requested.
If your Administrator has created a PIN for you, your Administrator can tell you what it is
Please note that Sams Club, Costco and some other merchants may require a PIN to make a purchase
For security reasons, PIN use is locked after five (5) incorrect entries.
If your card is locked after incorrect PIN entries, contact PEX Client Services at 866-685-0898.
View Article
Initial Receipt of Cards

If your Administrator is shipping your card directly to your residence, please be sure that the Administrator has your complete and correct address.
If your Administrator is shipping your card to you by Expedited Delivery or Rush Delivery (UPS or FedEx), then ask your Administrator if you have questions about the delivery status of your card. Your Administrator will have the shipment tracking number and can see where the shipment is.
Standard Delivery
PEX cards are sent in plain white envelopes, with the business name, cardholder name, and delivery address showing in the address window.
For security reasons, there is no reference to PEX on the envelopes
Standard Delivery is via USPS (US Postal Service) First Class Mail
Cards arrive approximately 10-15 business days after your Administrator places the card order
Expedited Delivery
Expedited Delivery is via UPS or FedEx, and a signature is required.
Please leave delivery instructions for the driver, to avoid missed deliveries and return of the card to PEX
Cards arrive approximately 4 days after your Administrator places the card order
Rush Delivery
Rush Delivery is via UPS or FedEx, and a signature is required.
Please leave delivery instructions for the driver, to avoid missed deliveries and return of the card to PEX
Cards arrive approximately 3 days after your Administrator places the card order
View Article
How to Create a New Cardholder User Account

Cardholders can check their card balances, download statements, add transaction notes/receipts, and update their profiles through the PEX Cardholder website.
In order to access the site, they must first complete the "First time login" process.
Creating an Account using an Emailed Verification Code
Go to the PEX Cardholder Site: https://ch.pexcard.com
Click the link titled "First time login?"
https://ch.pexcard.com
Cardholders must complete "First time login" to gain access to the PEX Cardholder website
Click the green "Begin" button
Click the green Begin button to start the First Time Login process
Key in the sixteen (16) digit card number as shown on the front of your PEX card
Click the green "Next" buttonEnter the 16-digit card number. Click the green "Next" button.
A six (6) digit code will be emailed to the email address provided when the card was ordered
Retrieve the code from your email and enter it in the field provided.
Click the green "Next" button.
Note: if you have not received the code after 10 minutes, please check your spam folder
If you still have not received the email, please contact your business administrator to confirm which email address is associated with your cardEnter the six-digit code that was emailed to you. Click the green "Verify" button.
After verifying your email address, you will be shown the phone number and birth date that PEX has on file
Please alert your business administrator if this information is incorrect
Create a username
Your username must be unique
Choose a password
Re-enter it
The password must be 8-11 characters and must contain:
Letters
Numbers
Special characters
Spaces are not allowed
Choose a security question
You can also write your own question
Enter your security answer
Note: Answers are case sensitive, so be sure to enter the answer in the exact way you will enter it again in the future
Click the "Register" button
Your business administrators will receive an email alerting them to your new account.
Creating a New Cardholder User Account Using Your Birth Year for Verification
To Create a New Cardholder User Account Using Your Birth Year for Verification:
Go to the PEX Cardholder Site:
Click the link titled "First time login?"
Click the green "Begin" button
Enter the sixteen (16) digit card number as shown on the front of your PEX card
Enter your four (4) digit year of birth
Click the "Submit" button
Create a username
Your username must be unique
Choose a password and re-enter it
Your password must be 8-11 characters and must contain
Letters
Numbers
Special characters
Spaces are not allowed
Choose a security question
You can also write your own question
Enter your security answer
Note: Answers are case sensitive, so be sure to enter the answer in the exact way you will enter it in the future
Click the "Register" button
Your business administrators will receive an email alerting them to your new account.
View Article
Card Activation and Funding

You need to create/activate your cardholder user account when you receive your PEX card.
To activate your account (username and login credentials):
Visit www.pexcard.com/register
Click the green Begin button
Follow the on-screen instructions
Or see How to Create a New Cardholder User Account for step-by-step instructions
You can verify your account by email verification or by your year of birth
Click the green Begin button to create your new PEX user account
Once you have created your cardholder user account, your Administrator will be notified.
Your Administrator controls final card activation and funding
Until the Administrator activates it, your card is in Inactive status, and you cannot use it
To minimize the risk of fraud, your Administrator might not fund your card until you receive it
In this case, please tell your Administrator when you have the PEX card in your possession
Please Note:
The PEX card does not support card loads, like direct deposits and cash deposits, and it cannot be used to access cash at ATMs, point-of-purchase, etc.
View Article
How to Change Your Email Address

Cardholders can change their email addresses either through the PEX Mobile App or the Cardholder Site.
Download the Mobile App (iOS and Android):
Download PEX for iOS from the App Store
Download PEX for Android from the Google Play Store
The download is free but carrier rates may apply
Using the PEX Mobile App:
Log in to the Mobile App
Click the Settings icon at the bottom of the screen
Click Account Settings
Troubleshooting Cardholder Login
Click Settings icon. Click Account Settings.
Click Edit after Email
Click Edit after Email
Enter your new email address
Click the green Save button to confirm the change
Enter email address. Click Save.
Using the Cardholder Site:
You must be able to log into the PEX Cardholder Site at https://ch.pexcard.com.
If you cannot log in, please see
How to Change Your Email Address:
Log into the PEX Cardholder Site
Click on your name on the upper left side of the screen
Enter the new email address into the Email field
Click Save
Enter email address. Click Save.
View Article
How to Check My Card Balance

With a PEX Cardholder User Account, you can check your card balance easily, on the Cardholder Site and on the PEX Mobile App.
If you do not have a Cardholder User Account, please see " How to Create a New Cardholder User Account "
If you have trouble logging in to your Cardholder User Account, please see " Troubleshooting Cardholder User Login "
How to Check Your Card Balance on the PEX Cardholder Site:
Log in to the PEX Cardholder Site ( https://ch.pexcard.com)
You will find your card balance next to your name at the top of the page
Android App from the Google Play Store
On the Cardholder Site, you can see your Card Balance next to your name
How to Check Your Card Balance on the PEX Mobile App:
Download the PEX Mobile App for your device:
Download the iOS App from the App Store
Download the
The download is free but carrier data rates may apply
To Check Your Card Balance on the Mobile App:
Log in to the PEX Mobile app
Click on the Account icon
You can see your account balance on the screen
Click the Account icon to see your card balance
Note:
Not every business lets cardholders check their card balances
If you are unable to create a Cardholder User Account, please check with your business administrator
Your business administrator can also tell you your card balance
View Article
How to Request Funds for Your Card

Cardholders can ask Administrators to add funds to their cards through the Cardholder Site and through the Mobile App.
Via the Cardholder Site:
Log into the Cardholder Site ( https://ch.pexcard.com ).
Click the Request Funds tab
Click the green Make a Request Now button
PEX for Android
Click the green Make a Request Now button to initiate a funding request
Enter the amount of the funding request in the Amount Requested field
You can add a note for the Administrator if you like. The note is limited to 200 characters.
Click the green Request Funds button
Click the green Request Funds button to ask the Administrator to load the card
Via the PEX Mobile App:
Cardholders can easily request funds from their Administrators through the Mobile App.
First, download the PEX mobile app to your device.
PEX for iOS can be downloaded from the App Store
is available via the Play Store
The download is free but carrier rates may apply
If you experience difficulties with the app, uninstall it and then reinstall it, to ensure that the latest version is in use
How to Request Funds Using the Mobile App:
Log in to the Mobile App
Click the Account icon at the bottom of the screen
Click "Requests"
Click the "Account" icon. Click "Requests."
Enter the amount of your request
Add a Note if desired
Click Request in the blue bar to submit the request
Enter the amount of the request. Click "Request."
Your submitted request is shown as Pending until the Administrator fulfills it
Your submitted request is shown as Pending
View Article
How to Download Cardholder Statements

You can download your monthly cardholder statements from the PEX Cardholder website ( https://ch.pexcard.com ).
How to Download Monthly Statements from the Cardholder Site:
Log in to the Cardholder Site
Click on the Statements tab
Select the date range for the statement you want to see:
Statements with the Adobe logo in strong color are available for immediate download
Statements with the Adobe logo faded out may take a few minutes to become available
https://get.adobe.com/reader/
Statements with the Adobe logo in strong color (circled) are available immediately. Statements with the Adobe logo faded out may take a few minutes to become available for download.
Note:
The PEX system produces the statements in PDF format.
You should be able to view the PDF in most modern web browsers, or you can use the Adobe reader.
You can download the Adobe reader from
View Article
If Your Card is Lost, Stolen, or Damaged

Please contact your Administrator immediately or contact PEX immediately to report lost, stolen, or damaged cards, as well as fraudulent charges.
PEX will issue replacement cards.
Call 866-685-0898, available 24/7.
PEX will contact your Administrator to approve Expedited delivery of replacement cards, because a $45 rush fee applies to Expedited delivery.
View Article
Restrictions on Cardholders Access to Cash and Restrictions on Loading Funds onto the PEX Card

The PEX card doesnotsupportaccess to cash (e.g., at an ATM, or as cash back at point-of-sale).
The PEX card also doesnotsupport quasi-cash transactions, such as:
Money orders
Loan payments
PayPal
Venmo
Any other similar money transfer options
The Administrator Loads Funds onto the PEX Card
Only Administrators can load funds onto the card.
Cardholders cannot load funds onto a PEX card
A cardholder has access to funds on the PEX card as soon asthe Administrator (a) activates the card, and (b) loads funds onto it.
View Article
How to Attach a Receipt to a Transaction Record Using the Mobile App (Cardholder)

Cardholders can attach an image of a receipt to a transaction record, using the PEX Mobile App.
Download the Mobile App (iOS and Android):
Download the iOS App from the App Store
Download the Android App from the Google Play Store
The download is free but carrier data rates may apply
To Attach a Receipt to a Transaction Record:
Take a picture of the receipt
Locate the transaction
Attach the image and upload it to PEX one file per transaction
As it uploads the image of the receipt, the PEX system will verify:
That the image format is supported by the system:
.PNG
.JPG
That the file contains no malware or computer viruses
That the file is not corrupted
That the file is smaller than 10 MB
How to Upload a Receipt When Your Phone is Connected to the Internet (Option 1):
Log in to the PEX Mobile App
Click on the Transactions icon at the bottom of the screen
Navigate to the cardholder transaction list
Click on the correct merchant transaction for the receipt
Click on the transaction to which you want to attach the receipt
Click the "Add Receipt" button
In Android, it is a green plus sign (+)
In iOS, it is an icon of areceipt
Click on the "+" sign (Android) or the Receipt icon (iOS) to attach a receipt to the transaction record
There are two ways to attach the receipt image to the transaction (you can crop or rotate the image before you upload it):
Take a photo of the receipt with the camera
Use an image of the receipt thats already in your image Gallery
Take a picture of the receipt with the phones camera, or upload an image of the receipt from the image Gallery
Upload the image of the receipt to PEX
You can also add a Note to the Transaction record
How to Upload a Receipt When Your Phone is Not Connected to the Internet (Option 2):
Take a photograph of the receipt with your phones camera
Note: You cannot log in to the PEX app when you are offline
Log in to the PEX Mobile App when you are online again
Find the transaction you want
Click on the transaction to see the Transaction Details
Click the + (Android) or the Receipt icon (iOS) at the bottom of the screen
Click the Receipt icon (iOS) or the + (Android)
Select the image of the receipt you want from the Receipt Source Gallery
When you are online, upload the image of the receipt from the Receipt Source Gallery
Attach the image of the receipt to the transaction
Note: The only transactions that will appear here are transactions without receipts, and transactions with a receipt where the status is Rejected
Upload the image of the receipt to PEX
You can also add a Note to the transaction record
View Article
Split or Partial Transactions

A split transaction (or split payment) is one where partial payment is made with a PEX card, and the balance is paid either with cash or with a second card.
If the merchant allows split payments, then tell the cashier the amount you want to charge to the PEX Card, to keep the merchants system from declining the transaction automatically due to insufficient funds.
Note:
Some merchants do not allow split transactions.
View Article
Transaction Notes

Sometimes expenses require some explanation. Thats why PEX allows freeform Transaction Notes to be added to selected transactions by either the administrator or the cardholder.
Transaction Notes can be used to connect a transaction with a particular project or Purchase Order, for instance, or to describe special circumstances of a purchase.
Transaction Notes can also be added to funding transactions to keep track of why a card received funding.
The maximum character count in a single Transaction Note is 260 characters. Multiple Notes can be added to a transaction.
Note:
Administrators can also add Notes to a transaction that will not be visible to the cardholder.
View Article
Disputed Transactions

There are two types of disputed transactions:
Merchant Goods or Services
Fraudulent Charges
Merchant Disputes -- Goods or Services
A cardholder can have a dispute with a merchant for many reasons (that do not involve fraud):
Duplicate or incorrect charges
Goods delivered that were not what was ordered
Services that were unsatisfactory
In the case of a disputed transaction with a merchant, you or your Administrator should notify PEX Client Services immediately.
Disputes must be reported no later than sixty (60) calendar days after the transaction is posted to the card account
Note:
Cardholders often resolve these matters most quickly when they contact the merchant directly, although PEX will of course process disputes with merchants on the cardholders behalf.
Fraudulent Charges
Similarly, in some instances, when Cardholders report fraudulent charges directly to merchants, they are credited faster than when PEX reports them.
PEX Client Services will also process fraudulent charge disputes to ensure that the investigation is started
For more information on reporting disputed charges, please consult your Administrator, or review the PEX Services Agreement.
View Article
Using Your PEX Card to Buy Fuel

PEX cards can be used at fuel pumps and/or inside convenience stores (contact your Administrator to see what restrictions if any apply to your card):
If your Spend Rules read Fuel Pump Use Only
A $49 (Forty-nine Dollars) minimum available balance is needed per swipe, or else the transaction will be declined
Note: On rare occasions, a merchant may require an available balance of more than $49
Transactions will settle at the actual amount of the purchase
If your Spend Rules read Fuel Pump and Convenience Store Use
Then no minimum spend requirements are set by PEX
View Article
Contact Cardholder Support

If you didn't find the answer to your question here, you can reach Cardholder Support 24 hours per day:
By phone: +1-866-685-0898
By email: [email protected]
View Article
How to Add Card Transaction Notes (Cardholder Site)

Cardholders can add Notes to their card transactions through the Cardholder Site. Notes are a good way to record the details of transactions (client, project, place, Purchase Order, etc.).
How to Add Card Transaction Notes through the Cardholder Site:
Log into the Cardholder Site
Click on the "My account" tab
Click on "Transaction history" in the blue bar
Navigate to the transaction
Click on "Add note"
How to Create a New Cardholder User Account
Click "Add note"
Write the note in the "Add a new note" field (up to 260 characters)
Click the green "Add note" button
Write the note. Click the green "Add note" button
The note is now added to the transaction record
You can edit the note
You can delete the note by clicking on the "x" next to it
You can add another note
The note is in the Transaction record
You may find this article useful if the cardholder needs to set up a user profile to access the Cardholder Site: ""
View Article
How to Order PEX Cards

There are two convenient ways to order PEX cards and have them shipped to addresses within the U.S.:
Through the Card Order Form
Upload a CSV file
Once you fill out the required information, simply submit your card order.
How to Order PEX Cards via the Card Order Form:
Log into the Administrator Site
Click the "Cards" tab
Click "Create a new card order" in the blue bar
Check the number of new cards currently available in your Plan
If you need to increase the number of new cards available to your organization, please contact Admin Support at [email protected]
Fill out the billing address field
26 character limit for street address
20 character limit for city
Fill out the shipping address field
26 character limit for street address
20 character limit for city
If the shipping address is the same as the billing address, check the "Same as billing address" box
Select delivery method:
USPS First Class Mail (10 - 15 business days) - Free
Expedited (up to 4 business days via UPS or FedEx) - $35
Rush (up to 3 business days via UPS or FedEx) - $45
Enter the shipping contact number
Click "Next"
Enter cardholder information in the required fields. Please enter accurate information for all cardholders
The email provided is used for the cardholder website and mobile app login process
Once all cardholder information has been entered, click "Submit order"
How to Create a Bulk Card Order
Ordering Cards via the Card Order Form
How to Order PEX Cards via CSV Upload
See
View Article
How to Complete Admin "First time login"

When new Administrators are added to the Administrator Site, they will receive an email instructing them on how to complete the "First time login." Once completed, they will be able to gain access to the site.
How to Complete Administrator "First Time Login" through the Administrator Site ( https://admin.pexcard.com)
Go to the Administrator Site
Click "First time login?"
Click "First time login?"
Enter email address
If this address is different from the Administrator's actual email address, please inform the Administrator
Enter the Verification code provided in the email notification
Enter four (4) digit year of birth, e.g., 1985
If this year is different from the Administrator's actual year of birth, please inform the Administrator
Click the green "Submit" button
Enter Email address, Verification code, and Year of Birth. Click the green "Submit" button.
Create a username
The username must be unique
The username must contain letters, numbers and some special characters (@, period, or underscore)
No spaces allowed
Choose a password and re-enter it
The password must be 8-11 characters
The password must contain letters, numbers, and special characters
No spaces allowed
Create a security question and answer
Click the green "Submit" button
View Article
How to Quick Fund a Card

You can quickly fund individual cards, once your main PEX account is funded:
Through the Administrator Site
Through the Mobile App
Download the iOS app from the App Store
Download the Android app from the Google Play Store
The download is free but carrier data rates may apply
How to Quick Fund a Card Through the Administrator Site:
Log in to the Administrator Site
Click the "Cards" tab at the top of the page
Click Card List
Locate the cardholder's name
Enter the amount to add to that card in the Quick Fund box, at far right (as a positive number, e.g., "500")
Click the green "Submit" button
Scheduled Card Funding and Low-Balance Funding
Enter the amount in the Quick Fund box. Click the green Submit button to Quick Fund the Card.
How to Quick Fund a Card Through the Mobile App:
Log in to the Mobile App
Click the Cards icon at the bottom of the page
Navigate to the cardholder
Click on the cardholders name
Click on the Cards icon. Click on the cardholders name.
Enter the amount to add in the "Quick Fund" box
Click the green Add Funds button
Enter the amount in the Quick Fund box. Click the green Add Funds button.
Click Transfer in the confirmation dialogue box to add funds to the card
Click Transfer in the confirmation dialogue box
To learn how to fund multiple cards at once, see the article, " How to Fund Multiple PEX Cards at the Same Time "
You can schedule automatic funding for a card account. Please see "
View Article
Funding Your PEX Business Account

There are three ways to fund the main business balance for your PEX account.
The Administrator first funds the main business account, and then the Administrator funds the individual cards
This two-step process adds a layer of security to the main balance
The three ways to fund the main business balance for your PEX account are:
Wire Transfer (fastest way)
Funds settle on the same day,or the next business day, as your request
Initiated at your bank
Bank fees may apply
ACH Credit Transaction
Funds settle in 2 business days
Initiated at your bank
Bank fees may apply
ACH Debit Transaction
Funds settle in 4 business days
Initiated at PEX
No charge
How to Fund by ACH Debit (How to Fund from Admin Site)
You will find instructions for each funding method here:
How to Fund by Wire Transfer
How to Fund by Bank ACH (ACH Credit)
View Article
How to Fund From Admin Site

You can create a transfer of funds from your bank to PEX, or schedule a transfer of funds from your bank to PEX, through the Administrator Site.
Funds will deposit to your PEX account in four (4) business days.
Note:
If your bank rejects an ACH request, they may charge you a fee (e.g., for insufficient funds). In addition, if your bank rejects an ACH request, PEX will charge a Transfer Request Return Fee of $25.
How to Create a Transfer of Funds from Your Bank to Your PEX Account:
Log into the Administrator Site
Click the "Transfers" tab
Click Make a transfer in the blue bar
Select an external bank account from the drop-down list to transfer funds From
The transfer will be made To the pre-selected PEX account
Enter the amount to transfer from the external bank account to the PEX account
Click the green Transfer button
How to Fund by Bank ACH
Click the green "Transfer" button
Through the Administrator Site, you can also schedule regular transfers of funds from your bank account to your PEX account.
How to Create a Scheduled Transfer of Funds from Your Bank to Your PEX Account:
Log into the Administrator Site
Click the "Transfers" tab
Click Make a transfer
Select an external bank account from the drop-down list to transfer funds From
The transfer will be made To the pre-selected PEX account
Enter the amount to transfer from the external bank account to the PEX account
Click the checkbox "Make this a scheduled transfer"
From the drop-down, select the frequency for the scheduled transfer:
Every 1st of the month
Every Sunday
Every Monday
Every Tuesday
Every Wednesday
Every Thursday
Click the green Transfer button
Important: Scheduled transfers are specific to the external bank account. If your bank account on file changes, you must delete the scheduled transfer and create a new one.
Check the "Make this a scheduled transfer" box. Select the day for the scheduled transfer. Click the green "Transfer" button.
If you need to add funds to your PEX account faster, you may find the following articles useful:
" How to Fund by Wire Transfer " (fastest way)
""
View Article
Adding a Bank Account

You can add a business bank account to your PEX account in order to transfer money between the two accounts.
After adding the bank information, you will need to verify access to the new bank account, either by using Instant Account Verification, or by using Minideposit Verification.
How to Add a Bank Account Using Instant Account Verification:
Log into the Administrator Site
Click the "Transfers" tab
Click "Manage external accounts"
Under Manage Accounts, click the green button Add an External Account
How to Fund From Admin Site
Click Add an External Account
On the next screen, download the ACH Authorization form by clicking the green button "Download Form"
Write the name of the business on the Depositor Name as shown on Bank Records line, and PEX account
Attach a blank VOIDED Check to the form
If you cannot attach a VOIDED Check, then complete the "Bank Reference Authorization Verification" section at the bottom
Have the form signed and dated by the person whose signature is on record at your bank (no electronic signatures allowed)
Upload the completed form
Download the ACH Authorization Form. Upload completed form.
Click "Agree and Continue" to agree to the Online Validation Terms
Choose your bank from the list of available banks.
PEX supports bank account authentication for thousands of financial institutions, including many of the top banks in the U.S. (Chase, Citibank, Wells Fargo, US Bank, Bank of America, and more), your bank may not be listed.
In this case, you will need to use Minideposit Verification
Enter your online banking credentials (e.g., username and password)
Click "Continue"
You should see your newly added bank account in the list of External Bank Accounts
Note:
Occasionally, we are unable to verify your newly added account instantly. If that is the case, your account will show as "pending" and should be activated within 24 hours.
How to Add a Bank Account using Minideposit Verification:
Log into the Administrator Site
Click the "Transfers" tab
Click "Manage External Accounts"
Under Manage Accounts, click the green button Add an External Account
On the next screen, download the ACH Authorization form by clicking the green button titled "Download Form"
Write the name of the business on the Depositor Name as shown on Bank Records line, and PEX account
Attach a blank VOIDED Check to the form
If you are unable to attach a VOIDED Check, complete the "Bank Reference Authorization Verification" section at the bottom
Have the form signed and dated by the person whose signature is on record at your bank (no electronic signatures allowed)
Upload the completed form
PEX will email you a confirmation of set up and/or update within 24 hours
PEX will make two small deposits to your bank account in the next 2 to 3 business days.
Check your bank account for these deposits.
Return to the "Transfers" tab and enter the values of the two microdeposits
Click "Submit"
You should now see your newly added bank account in the list of External Bank Accounts
Once you have set up your newly added bank account, you can initiate transfers from that account via the Administrator website and also via the PEX Mobile App (for iOS or Android).
You can make a one-time transfer of funds, or you can set up recurring transfers.
Please see""
View Article
How to Remove Admins

Administrators with "Add/edit/terminate Administrator" permissions are able to delete Administrators on the Administrator Site.
Log into the Administrator Site
Click the "Administrators" tab above the blue bar
Locate the Administrator
Click on the Administrators name
Click the "Delete admin" button at the bottom
Click the green "Delete" button in the confirmation dialogue box
Click Delete admin at the bottom of the Administrators page. Click the green Delete button to confirm the action.
View Article
What is a Merchant Category?

Visa and MasterCard have established Merchant Category Codes (MCCs) that they assign to the many different kinds of establishments that accept their cards, e.g.:
#7210, Laundry, Cleaning and Garment Services
#7211, Laundries Services - Family and Commercial
#7216, Dry Cleaners
#7217, Carpet and Upholstery Cleaning
To help Administrators capture and track spending, PEX has bundled hundreds of individual Visa and MasterCard Merchant Category Codes (MCCs) into 13PEX Merchant Categories that are comprised of similar or related kinds of businesses.
Travel & Transportation, includes more than 600 Travel- and Transportation-related individual MCCs, e.g.:
Airlines: #3000, United; #3001 American, et al.
Rental Cars: #3387, Alamo; #3389 Avis, et al.
Hotels: #3504, Hilton; #3509, Marriott, et al.
General Travel & Transportation: #4121, Taxicabs and Limousines; #4784, Tolls and Bridge Fees, et al.
The 13 PEX Merchant Categories, with representative examples of the types of merchants included in each Category, are:
Associations & Organizations: Religious organizations, local and Federal government services, Post Office
Automotive Dealers: Car dealers, recreational vehicle dealers, farm equipment dealers
Educational Services: Colleges, as well as business, trade, and grammar schools
Entertainment: Movies, golf, bowling, sports clubs, amusement parks
Fuel pumps Only: Pay at the pump at gas stations
Fuel & convenience stores: Gas station stores and other convenience stores
Grocery Stores: Food stores, bakeries, candy stores
Hardware stores: Hardware, building supplies, construction materials, paint stores, industrial equipment merchants
Healthcare & Childcare Services: Doctors, dentists, hospitals, medical services, elder care, child care
Professional Services: Contractors, heating, plumbing, HVAC, utilities, freight, cleaning services, printing, couriers, exterminators, repair shops, legal services
Restaurants: Fast food and sit-down restaurants
Retail Stores: Clothing stores, office supply stores, department stores, book stores, furniture stores, electronics stores
Travel & Transportation: Airlines, hotels, rental cars, tolls, buses, railroads, taxis
How to See the PEX Merchant Categories:
Log into the Administrator Site
Click on the "Cards" tab
Click on "Merchant categories" in the blue bar
Card Spend Rules
The 13 PEX Merchant Categories are indicated with the PEX logo to their left
Click on the name of the PEX Merchant Category to see the MCCs that are included in that Category
Click on the name of the Merchant Category to see the MCCs in that category
Custom Merchant Categories are also available with selected plans. Please see " Managing Custom Merchant Categories."
You might find this article useful, if you would like to know how to set spend rules on a card: "."
View Article
How to Create Admins

There are a few simple steps to create additional Administrators on the Administrator Site.
The primary Administrator has full permissions, and can create new Administrators and set their permissions.
How to Create a New Administrator:
Log into the Administrator Site
Click the "Administrators" tab
Click "Create a new admin" on the blue bar
Enter the name of the new Administrator
Enter the address
This is usually the address of your business
Enter the business phone number
Enter the new Administrator's email address
Enter the new Administrator's date of birth (MM/DD/YYYY)
Select the permissions you want to extend to the new Administrator
Click the green "Create administrator" button at the bottom
How to Remove Admins
Click the green Create administrator button
The new Administrator will receive an email instructing him/her how to complete the "First Time Login" steps
The new Administrator will then be able to access the Administrator Site
You may find this article useful to help with the first time login steps for Administrators: " How to Complete Admin 'First time login '"
You may also find this article useful if you would like to delete an Administrator:
View Article
How to Remove Funds from Multiple Cards

Removing funds from cards in a batch is quick and convenient.
How to Remove Funds from Multiple "Active" Cards:
Log in to the Administrator Site
Click the Cards tab
Click "Search" on the blue bar
In the dropdown on the Card Search page, select "Status"
How to Search Cards
Select Status in the Card Search dropdown
Select Active in the dropdown to the right of Status
Click the green "Search" button at right
Click the green Search button to search Active cardholders
Check the boxes to the left of the names of the Active cardholders from whom you will remove funds
Click the Remove All Balances button above the cardholder list
Check the boxes to the left of the names of the cardholders from whom you are removing funds. Click Remove All Balances to remove the funds.
Click the green Submit button in the confirmation dialogue box to confirm that you want to remove funds from the selected Active cardholders
The funds will move back into your main PEX account
Click the green Submit button in the confirmation dialogue box to remove funds from the selected Active cardholders
How to Remove Funds from Multiple "Blocked" Cards:
Log into the Administrator Site
Click the Cards tab
Click "Search" on the blue bar
In the dropdown, select "Status"
Select "Blocked" in the dropdown to the right of Status
Click the green "Search" button at right
Click the green Search button to search Blocked cards
Check the boxes to the left of the names of the Blocked cardholders from whom you want to remove funds
Click the "Remove all Balances" button in the menu above
Check the boxes next to the names of the cardholders from whom you are removing funds. Click Remove All Balances.
Click the green Submit button in the dialogue box to confirm that you will remove funds from the selected Blocked cardholders
The funds will move back into your main PEX account
Click the green Submit button in the confirmation dialogue box
You might find this article useful, if you would like to learn how to search cards based on certain criteria: ""
View Article
How to Close (Terminate) a Card

When you no longer need a card, you can close it (terminate it).
Once closed, you cannot reactivate the card
If you need another card for the same individual, then order a new card using the "Create New Card Order" sub-menu on the Administrator Site
When you close a card, any balance on the closed card is added back into the main corporate account
Closing cards will add space to the maximum number of cards available to you under your Plan.
In some cases, closing cards may reduce your total monthly fees
You can close cards through the Administrator Site and through the Mobile App.
Download the Mobile App:
Download the iOS App from the App Store
Download the Android App from the Google Play Store
The download is free but carrier data rates may apply
How to Close a Card through the Administrator Site:
Log in to the Administrator Site
Click the "Cards" tab at the top of the page
Click Card List
Navigate to the cardholder
Click on the cardholder's name
Click "Profile" under the blue bar with the cardholders name
Click the "Close card account" button at the bottom of the page
Click the green "Close" buttonto confirm the action
How to Search Cards
Click Close Card Account at the bottom of the cardholders Profile page. Click the green Close button in the confirmation dialogue box to confirm the action.
How to Close a Card Using the Mobile App:
Log in to the Mobile App
Click the Cards icon at the bottom of the screen
Navigate to the cardholder
Click on the cardholders name
Click the Cards icon to see the list of cardholders. Click on the cardholders name.
Click Profile in the Cardholder Details section
Click Profile
Click "Close Card"
Click Close Card
Click Close in the confirmation dialogue box to close the card
Click Close in the confirmation dialogue box
To learn how to terminate several cards at once, see " How to Terminate Multiple Cards "
You might find this article useful, if you want to learn how to search cards based on certain criteria: ""
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How to Set a PIN for the Cardholder

About PINs
Unlike some other cards, the PEX card does not require a PIN to function.
Administrators may want to assign PINs to cards because certain merchants, like Costco and Sams Club, require a PIN for purchases.
Only Administrators with Add/Edit/Terminate Card Permission can set or change a cardholder PIN:
PEX Customer Service cannot recover a cardholder PIN
PEX Customer Service cannot reset a cardholder PIN
If a cardholder forgets the PIN, he/she must call the Administrator for a new PIN
The PIN does not give the cardholder access to cash:
Not at an ATM
Not at point-of-sale as Cash Back
How to Set or Change the Cardholder PIN
The Administrator can set or change the cardholder PIN:
Through the Administrator Site
Through the Mobile App
Download the iOS app from the App Store
Download the Android app from the Google Play Store
The download is free but carrier data rates may apply
How to Set or Change the Cardholder PIN Through the Administrator Site
Log in to the Administrator Site
Click "Cards" at the top of the page
Click Card List
Locate and click on the cardholder's name
Click "PIN" under the second blue bar
Enter and re-enter the 4-digit PIN, following the required PIN rules
Click the green Set button to set the new PIN for the cardholder
Click the green Set button
How to Set or Change the Cardholder PIN Through the Mobile App
Log in to the Mobile App
Click the Cards icon at the bottom of the screen
Click on the cardholders name
Click the Cards icon. Click on the cardholders name.
Click on PIN
Click "PIN"
Enter and re-enter the 4-digit PIN, following the required PIN rules
Enter and Re-enter the 4-digit PIN
Click Save to set the PIN
Click Save to set the PIN
View Article
How to Remove Funds from a Card

You can quickly remove funds from individual cards:
Through the Administrator Site
Through the Mobile App
Download the iOS app from the App Store
Download the Android app from the Google Play Store
The download is free but carrier data rates may apply
The funds will go back into your main PEX account
How To remove funds from a Card Using the Administrator Site:
Log in to the Administrator Site
Click the Cards tab at the top of the page
Click Card List
Locate the cardholder's name
In the Quick Fund box at right, enter the amount to remove as a negative number (e.g., "-200")
Click the Green "Submit" button
How to Search Cards
Enter a negative number in the Quick Fund box. Click the green Submit button.
How to Remove Funds from a Card Using the Mobile App:
Log into the Mobile App
Click the Cards icon at the bottom of the screen
Navigate to the cardholder
Click on the cardholders name
Click the Cards icon. Click on the cardholders name.
In the "Quick Fund" box, enter the amount to remove from the card (as a positive number, e.g., 200)
Click the blue Remove Funds button
In the Quick Fund box, enter the amount to remove. Click the blue Remove Funds button.
Click Transfer in the confirmation dialogue box to remove funds from the card
Click Transfer in the confirmation dialogue box
You might find this article useful, if you want to remove funds from multiple cards: " How to Remove Funds from Multiple Cards "
You might find this article useful, if you want to learn how to search cards based on certain criteria: ""
View Article
How To Manage Cards from the Search Window

You can use the Search function on the Administrator Site to manage many cards at once.
Administrators can use Search to:
Locate Cards
Block Cards
Fund Cards
Defund Cards
Change Card Balances
Change Card Status (Inactive, Active, Blocked, Closed)
Assign Groups
Edit Groups
Edit Rulesets
How to Manage Cards from the Search Window in the Administrator Site:
Log into the Administrator Site
Click the "Cards" tab
Click "Search" in the blue bar
Select your desired search parameters from the dropdown menus
Type relevant details in the blank field
Click "+" or "x" to add or to remove filter choices
You can add search criteria to give more refined results
Click the green Search button
Select search criteria in the dropdown menu. Click the green Search button.
How to Manage Cards with Positive Card Balances:
To see all cardholders with positive card balances, select Greater than in the dropdown menu
Enter 0 in the blank field
Click the green Search button.
Select "Greater than 0." Click the green Search button.
You can now apply a variety of actions, to some of them, or to all of them, including:
Change card Status
Assign to Groups
Assign Rulesets
Change Card Balances
You apply the same action to every cardholder whose name you check
When you check all cardholder names, you update them all
You can apply changes to all cardholders whose names are checked
Note:
Changes are confirmed immediately onscreen, but it may take several minutes to see updates on the cards
View Article
How to Set Time-Based Spend Limits (Mobile App)

The PEX system give Administrators powerful tools for controlling cardholder spending -- by setting limits on how much a cardholder can spend in a predetermined period of time:
Daily (24 hour period - Midnight to Midnight ET)
Weekly (Sunday to Saturday)
Monthly (1st to 31st)
Yearly (Jan 1 to Dec 31)
Lifetime
Note: Different Plans have different features. Please check your Plan.
Administrators can set Time-Based Spend Rules for cardholders using the Mobile App:
Download the iOS app from the App Store
Download the Android app from the Google Play Store
The download is free but carrier data rates may apply
How to Set Time-Based Spend Rules Using the Mobile App:
Log in to the Mobile App
Click the Cards icon at the bottom of the screen
Navigate to the cardholder
Click on the cardholders name
Click the Cards icon to see the list of cardholders. Click on the cardholders name.
Click on Spend Rules
Click Spend Rules
Click Time-based spend limits
Enter the amount of the spend limit into the appropriate field:
Daily
Weekly
Monthly
Yearly
Lifetime
Click "Save" in the upper right-hand corner
Enter amounts into the Limit fields. Click Save.
Note:
The spend limits for shorter time periods must be lower than the spend limits for longer time periods:
A cardholder cannot have a Daily spend limit of $900, for instance, with a Monthly spend limit of $500 (the system will not allow it)
It is not necessary to enter a value into every field
You can leave fields blank (no time-based spend limit), and just click "Save"
View Article
What Are the Reasons for Card Declines?

PEX Declines vs. Merchant Declines
PEX Declines
Transactions that are blocked or declined by PEX are based on spend parameters set by the Administrator.
All PEX declines can be verified by viewing the Declines section in the Cardholders record. Here youll see all merchant/transaction detail, and the reason for the decline.
Merchant Declines
When the merchant declines a transaction, the reasons are not visible to PEX, and therefore are not listed on the PEX Administrator site.
In many cases, however, the PEX support team can help determine the reason for the merchant decline.
Most declines can be remedied by adding funds to cards or by changing the spend permissions.
Most Common Reasons for Card Declines
These are the most common reasons for declines.The Administrator can see the exact reasons for transaction declines on the Cardholder's Decline tab on the Administrator Site.
There is a SpendRule block
The card is not in Active status
The card has an insufficient available balance
The card has reached its daily spend limit
The card's expiration date was manually entered incorrectly
The cardholder is attempting to spend at an unauthorized merchant
The merchant does not accept prepaid debit cards
The cardholder is attempting to spend at a non-US based merchant
The cardholder selected DEBIT at the point of sale, but there is no PIN assigned to the card
The merchant's system automatically processes transactions as PIN required and there is no PIN set on the card
The cardholder attempted to access cash, via ATM, at a financial institution or through a merchant
The Zip Code entered does not match the card profile
Gas pump purchase - PEX authorizes and holds $49 for gas pump purchases. The merchant can hold up to $120.00, which may cause a decline due to insufficient funds
How to View Card Decline Details:
Log into the Administrator Site
Click the "Cards" tab
Click "Card List" or "Card Search"
Locate the cardholder's name
View his/her record
Click "Declines" and view description
Click on the description to see transaction details
Card decline detail
If the Cardholder tells you that a transaction was declined, but you do not see it in the Decline section, the reason could be:
The Cardholder entered the 3-digit number on the back of the card (CVV2/CVC2) incorrectly during an online purchase
The card was approved for a partial amount of the transaction total which would be equal to the cards available balance
Check the Transactions tab to see if there is a pending transaction for the merchant in question
The merchant does not accept prepaid debit cards
View Article
What is a Pending Transaction?

A Pending Transaction refers to a purchase made with a PEX card. When the cardholder uses the PEX Card to make a purchase, the merchant asks PEX to authorize the transaction.
When PEX approves a request to authorize a card transaction, in most cases PEX places an authorization hold on the cardholder account. The authorization hold is displayed as a pending transaction in the transaction list, and it reduces the available balance of the Card by the amount of the requested transaction.
The authorization hold generally expires:
When the transaction posts to the cardholder account
Or, five (5) business days after the transaction request, whichever occurs first
There are a few exceptions to this rule: hotels, car and limousine rentals, and taxi service may show an authorization hold for up to sixty (60) days.
View Article
About Split Transactions and Partial Authorizations

Split Transactions
Some merchants allow Split Transactions. A Split Transaction occurs when partial payment is made with a PEX card, and the remainder is paid either in cash, or with a second card.
If a cardholder wants to make a split payment, and the merchant allows it, then the cardholder can tell the cashier the amount to charge to the PEX card. This will prevent the transaction from being declined due to insufficient funds (if the total amount of the transaction is greater than the current balance on the PEX card).
Partial Authorizations
If a cardholder does not have enough funds to cover the full transaction amount, and if the merchant supports Partial Authorization functionality, then PEX will return an authorization response with an approval for a portion of the original transaction amount which is equal to the card account available balance. The remainder of the transaction amount can be paid with cash or with a second card.
The cardholder can tell when a partial authorization has taken place by looking at the card account transaction details. A partial authorization will have different amounts shown for the "Origin Amount" and the "Authorization Amount.
The "Origin Amount" is the full amount of the purchase as requested by the merchant
The "Authorization Amount" is the approved (partial) amount returned to the merchant
Partial Authorization. The Authorization Amount is less than the Origin Amount, which is the full amount of the proposed purchase.
The merchant may choose to decline a partially authorized transaction, where PEX does not authorize the full amount of the purchase. Or, the cardholder may not want to complete the transaction with a second form of payment (cash or another card).Either way, the transaction is not completed.
At this point, the merchant is required to send a message to PEX to cancel the transaction.Until the merchant cancels the transaction, PEX holds those partially authorized funds as a pending transaction, and they are not available to the cardholder.
But if the merchant does not cancel the transaction immediately, and the Administrator wants the cardholder to complete it, the Administrator can fund the card for the total purchase amount.When the merchant re-submits the transaction, it will be completed.
If the merchant has not canceled the partially authorized transaction in one hour, then call Client Services at 1-866-685-1898to have the hold released. Give Client Services the cardholder name and the merchant name for that transaction.
View Article
How To Add PEX to Your QuickBooks Online Account

This step is needed to export transactions to QuickBooks Online the first time. If you have more than one PEX business account, you may want to complete this process for those as well.
To set up the PEX "bank account" in QuickBooks Online:
Click "Add account" on the Banking tab
Enter a descriptive name for the new account. We suggest "PEX", "PEX Corporate Card", "PEX Transactions" or similar
Choose "Checking" for the account type Troubleshooting PEX and QuickBooks
Note:Many customers choose to use PEX as the bank name. If you have or may have multiple PEX accounts, consider using PEX along with the name of the business (e.g. PEX John's Theater Co, PEX Kelly's Events Inc). You should set up a PEX account in QuickBooks for each account before thefirstexport of transactions can be completed.
To import PEX transactions into QuickBooks Online via a file download, see How to Export Transactions via a File Download to Quickbooks Desktop or QuickBooks Online.
If you have problems, see
View Article
Deleting a Tag

Note: Deleting a tag is permanent. If you no longer want to use a tag, PEX recommends that you set the tag to "Enabled: No. See Enabling and Disabling Tags.
How to Delete a Tag:
Log into the Administrator Site
Click on the Account tab
Click on "Tag Manager" in the blue bar
Click on the x at the far right of the description of the tag you want to deleteClick on the x to delete the tag
You will see a confirmation dialogue BOX to confirm that you want to delete the tag
Click the green Delete button in the confirmation dialogue box
Click the green Delete button in the confirmation dialogue box
Note:
Any previous transactions that have this tag assigned will still show the details for the tag.
Deleting a tag does not delete the tag information from historical transactions.
View Article
How to Enable Merchant Categories for Cardholders (Mobile App)

Administrators can use the Mobile App to enable Merchant Categories for cardholders.
Download the Mobile App:
Download the iOS app from the App Store
Download the Android app from the Google Play Store
The download is free but carrier data rates may apply
How to Enable Merchant Categories for Cardholders, Using the Mobile App:
Log into the Mobile App
Click the Cards icon at the bottom of the screen
Navigate to the cardholder
Click on the cardholders name
Click the Cards icon to see the list of cardholders. Click on the cardholders name.
Click Spend Rules
Click Spend Rules
Click on Merchant categories
Click Merchant categories
Click the plus sign (+) in the upper right corner to add/enable a Merchant Category
Click + to enable a Merchant Category
Select the Merchant Category you want to add/enable
Click Done
Select the Merchant Category. Click Done.
The new Category is added to the list of Merchant Categories enabled for the cardholder
The cardholders Merchant Category list is updated
View Article
How to Set Per Purchase Spending Limits, by Merchant Category (Mobile App)

PEX gives Administrators sophisticated tools to manage cardholder spending, by limiting how much cardholders can spend on a single purchase in any Merchant Category (e.g., Restaurants, Retail Stores).
Administrators can set Per Purchase Spend Rules for cardholders through the Mobile App:
Download the iOS app from the App Store
Download the Android app from the Google Play Store
The download is free but carrier data rates may apply
How to Set the Spend Limit per Purchase, by Merchant Category, Using the Mobile App:
Log in to the Mobile App
Click the Cards icon at the bottom of the screen
Navigate to the cardholder
Click on the cardholders name
Click the Cards icon to see the list of cardholders. Click on the cardholders name.
Click Spend Rules
Click Spend Rules
Click on Merchant categories
Click Merchant categories
Click on the Merchant Category where you want to limit spending
Click on the Merchant Category
Enter the Per Purchase Limit amount in the first field
Click Save in the upper right corner
Enter the Per purchase limit amount in the first field. Click Save in the upper right corner.
The Per Purchase limit now appears in the Category description
The Per Purchase spend limit appears in the Category description
View Article
How to Set Time-Based Spend Limits (Administrator Site)

The PEX system gives Administrators powerful tools for controlling cardholder spending -- by setting limits on how much a cardholder can spend in a certain period of time:
Daily (24 hour period -- Midnight to Midnight ET)
Weekly (Sunday to Saturday)
Monthly (1st to 31st)
Annual (Jan 1st to Dec 31st)
Lifetime
Note: Different Plans have different features. Please check your PEX Plan (contact your Account Manager for details):
CORE
PRO
INFINITE
How to Set Time-Based Spend Limits through the Administrator Site:
Log in to the Administrator Site
Click the Cards tab at the top of the page
Click Card List
Locate and click on the cardholder's name
Click on Spend Rules under the blue bar with the cardholders name
Under Time-based spend limits click on the time period(s) where you will limit spending (as your Plan allows):
Daily
Weekly
Monthly
Annual
Lifetime
Click on the time period(s) where you want to limit spending (daily, weekly, etc.)
Enter into the appropriate field the amount you will let the cardholder spend per day, per week, etc.
Click the x to the right of the entry to remove the limit
Click the green Update button to save your changes
Enter the amount you will let the cardholder spend per day, weekly, etc. Click the green Update button to save changes.
Note:
A shorter time period must have a lower spending limit than a longer time period, e.g.:
A cardholder cannot have a Daily spend limit of $5,000 and a Weekly spend limit of $100. The PEX system will not allow it.
View Article
How to Set Per Purchase Spending Limits, by Merchant Category (Administrator Site)

Administrators can set, against any Merchant Category, a maximum amount that a cardholder can spend on a single purchase (i.e., a single transaction).
This can help control employee spending, by limiting how much cardholders can spend at Restaurants, on Transportation, etc.
How to Set the Spending Limit per Purchase, by Merchant Category, Through the Administrator Site:
Log in to the Administrator Site
Click the Cards tab
Click Card list
Click on the name of the cardholder
Click Spend Rules in the menu under the blue bar with the cardholders name
Click Per Purchase in the line that says Add a Per Purchase limit for (Category Name) just below the name of the Category where you want to control the cardholders spending per purchase
In the box, enter the maximum amount that the cardholder can spend on a single purchase
Click the green Update button to save your changes
Enter spend limit per purchase in the box. Click the green Update button.
Note:
The Per Purchase spending limit applies to single transactions, not to aggregate/cumulative spending against a Merchant Category.
If a cardholders spend limit for Restaurants is $100 Per Purchase, then PEX will decline a transaction thats submitted in the amount of $101
As long as theres a sufficient balance on the card, however, the system will approve multiple individual transactions in Restaurants for $99 each -- so that in the aggregate, the cardholder might spend much more than $100 in Restaurants
When you set maximum spending limits for two separate Categories, they may share one or more of the same MCCs. If they do, then the system will send you a warning message to tell you that this can create conflicts.
When multiple categories with Maximum spend limits contain the same MCC, then PEX will apply the lowest spending limit to that MCC,for example:
MCC #5661, Shoe Stores, is contained in the PEX Merchant Category Retail Stores. You have set a Max Purchase limit of $500 per transaction for Retail Stores."
MCC #5661, Shoe Stores, is also contained in a Custom Merchant Category Shoes, where you have set a Max Purchase spending limit of $200 per transaction.
The Max Purchase limit for that cardholder for MCC #5661 will therefore be $200 per transaction, because PEX enforces the lower limit.
If you enter a Daily spend limit in addition to a Per Purchase spend limit, the Per Purchase limit cannot be greater than the Daily limit (e.g., a cardholder cannot have a Daily spend limit of $200 and a Per Purchase spend limit of $500).
In a case like that, the system will send you an error message
You will not be able to continue until the conflict is resolved
View Article
Tips for Keeping Your PEX Account Safe

PEX takes the security of your account very seriously.
You can help safeguard your PEX account by taking specific actions, including:
Safeguard Your Password
Change your PEX password regularly
Do not share your PEX password with anyone else
Do not use the same password for PEX that you use for any other websites
If you use a shared computer to access PEX, then do not store your password in the web browser
If you get a prompt asking if the web browser can remember your PEX password for you, say NO
Do not share your Administrator account with others
Create additional Administrators instead
Monitor Cardholder transactions regularly
Set a policy for Cardholders to monitor transactions regularly
Use the PEX Administrator website to set meaningful Spend Rules on your cards, to reduce the chance of abuse
Disable International use of PEX cards if theres no need for it
Defund and close (terminate) unused cards
Terminate Administrator accounts for former employees.
Use the PEX Mobile app (iOS and Android) to stay on top of your account activity on-the-go
If you see suspicious transactions on your account, then contact us immediately:
By email at [email protected]
Call PEX at +1-866-685-1898, 24/7
View Article
How to Fund by Bank ACH

If you need to have funds in your account within two (2) business days, thenPEX recommends that you fund your account by Bank ACH.
Please note that your bank may charge for this service
If you have multiple PEX business accounts, each separate account will have a unique account number that begins with 926xxx.
How to Fund Your Account by Bank ACH:
Log into the Administrator Site
Click the Transfers tab
Click ACH Instructions on the blue bar
Provide your bank with the listed information
Your bank may want to verify the accuracy of the account number by sending two small credit amounts to your PEX account
Once set-up is complete, begin the transfers
Within two (2) business days, log into PEX to see the completed transfer
View Article
Troubleshooting Cardholder User Login

If you do not have a PEX Cardholder user account, please see " How to Create a New Cardholder User Account.
Common Login Problems
If you are a cardholder with an existing user account, and you cannot log into the Cardholder website at https://ch.pexcard.com or the PEX mobile app, please try the following:
1. Check the URL in Your Browser Window
It should read https://ch.pexcard.com
Note: Your cardholder username and password are not authorized to let you log into the PEX administrator website ( https://admin.pexcard.com ) or the PEX website ( https://www.pexcard.com and https://apply.pexcard.com )
2. Check Your Username
If you have forgotten your username, you can have it emailed to the address on file for your account
Click on " Forgot your username "
You must know both the email address associated with your user account and the year of birth registered on the account
If you do not know either the email address or the year of birth registered on the account, please contact your business administrator
3. Check Your Password
If you have forgotten your password, you can reset it by clicking " Forgot your password "
You must know the username for your account
4. Contact your Business Administrator
If you are using the correct username and password for your account, but you still cannot log in, then your administrator may have locked your user account
View Article

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PEX Card FAQs

Frequently Asked Questions About PEX Card

Anonymously Ask PEX Card Any Question

PEX Card's Competitors

Recently Asked Questions

Recent PEX Card Employee Reviews

PEX Card FAQs

Frequently Asked Questions About PEX Card

Release Notes 23.0

How to Sync Transactions with QuickBooks Desktop

How to Fund by Wire Transfer

Low Balance Alerts for your PEX Account

International Use of the PEX Card

Mobile App - Overview (Cardholder)

PIN versus Credit Transactions

Initial Receipt of Cards

How to Create a New Cardholder User Account

Card Activation and Funding

How to Change Your Email Address

How to Check My Card Balance

How to Request Funds for Your Card

How to Download Cardholder Statements

If Your Card is Lost, Stolen, or Damaged

Restrictions on Cardholders Access to Cash and Restrictions on Loading Funds onto the PEX Card

How to Attach a Receipt to a Transaction Record Using the Mobile App (Cardholder)

Split or Partial Transactions

Transaction Notes

Disputed Transactions

Using Your PEX Card to Buy Fuel

Contact Cardholder Support

How to Add Card Transaction Notes (Cardholder Site)

How to Order PEX Cards

How to Complete Admin "First time login"

How to Quick Fund a Card

Funding Your PEX Business Account

How to Fund From Admin Site

Adding a Bank Account

How to Remove Admins

What is a Merchant Category?

How to Create Admins

How to Remove Funds from Multiple Cards

How to Close (Terminate) a Card

How to Set a PIN for the Cardholder

How to Remove Funds from a Card

How To Manage Cards from the Search Window

How to Set Time-Based Spend Limits (Mobile App)

What Are the Reasons for Card Declines?

What is a Pending Transaction?

About Split Transactions and Partial Authorizations

How To Add PEX to Your QuickBooks Online Account

Deleting a Tag

How to Enable Merchant Categories for Cardholders (Mobile App)

How to Set Per Purchase Spending Limits, by Merchant Category (Mobile App)

How to Set Time-Based Spend Limits (Administrator Site)

How to Set Per Purchase Spending Limits, by Merchant Category (Administrator Site)

Tips for Keeping Your PEX Account Safe

How to Fund by Bank ACH

Troubleshooting Cardholder User Login

Anonymously Ask PEX Card Any Question

PEX Card's Competitors

Recently Asked Questions

Recent PEX Card Employee Reviews