Question 1

What are virtual cards and how do I use them?

Accepted Answer

A virtual card is exactly like a standard Centtrip card, except that it doesn’t exist physically. Instead, it is accessed by cardholders digitally within the Centtrip app, and can be managed by Administrators with their desktop account. They can be used for online transactions, subscriptions and other repeat payments.

Please note - this feature is currently only available for EEA and US Centtrip account holders.

Benefit from:

Instant card creation - no more waiting for physical cards to arrive.
Effortless set-up - virtual cards are automatically activated upon creation.
Online transactions - use for online transactions, subscriptions and other repeat payments.
Increased security - eliminate the risk of physical cards becoming lost or stolen.

How do I order virtual cards?

Simply follow the standard card order process, and use the dropdown box to select 'Virtual' as the card type.

Please note that when you select this option, EVERY card in that particular order will be a virtual card. If you wish to also order physical cards, you will need to place a separate order.

Once ordered, the cards will appear in your CARDS dashboard immediately.

New cardholders will receive an email inviting them to create an account password and sign into the app, where they can view and begin using their new card.
Existing cardholders will be able to view the new virtual card in the app, alongside any existing cards they have.

Cards are activated upon creation, so no separate cardholder activation is required.

How are virtual cards used?

For Online Payments:

You can make an online transaction with your card in the same way as you would with a physical card. They are perfect for subscriptions and other repeat payments. You can view your card details within the Centtrip app.

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Sign into the Centtrip app, OR (if you are a new user) follow the steps in your activation email to create a password. Then, tap ‘All Cards’ on the app homepage.
Locate your virtual card within the list, tap to select it, then press to open ‘Card Settings’.
Swipe left on the top of the screen to view the card.
Tap 'SHOW FULL CARD DETAILS'and verify your identity.

The card details will now be revealed, including the CVV.

Tap the ‘Copy Card Number’ button to copy the number and use for your online purchase.

Please note - virtual cards are currently only available for US and EEA Centtrip account holders.

Question 2

How do I order Centtrip cards?

Accepted Answer

Sign into your account and select 'CARDS' from the left-hand menu.
Switch to the 'Order cards' tab at the top of the screen
Choose whether you want to order physical or virtual cards. (EEA account holders can also choose a card currency).
Select the Corporate Account and Operating Account for which you are ordering cards
Click 'Next' to continue. If ordering physical cards, you will be prompted to enter a delivery address and contact.

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Click to download the card order template.
Enter details of the cards you wish to order into the template
Refer to the on-screen validation requirements to ensure you have filled out your template correctly.
Once complete, upload your card order spreadsheet.
Click 'Next' to finish. If there are any errors, these will be shown on-screen. Otherwise you will see a confirmation message.

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Information on how to start using virtual cards is available here.

Physical cards will require cardholder activation upon arrival.

Question 3

What is 3D secure?

Accepted Answer

3 Domain Secure (3DS) is a security measure for online payments which provides additional protection against fraud.

The 3 domains (acquirer, scheme, and issuer) interact with each other to exchange information and authenticate the transaction.

3D Secure helps prevent fraud and is available for Card Not Present (CNP) transactions with all major card networks, and is mandatory in the EU, following the Revised Payment Services Directive (PSD2).

Question 4

Where can I find the password required to authenticate my online transaction?

Accepted Answer

Whenever you use your Centtrip card to make an online transaction, you will be prompted to enter a password to authenticate the purchase. This is to provide additional security to your account.

You can view this password within the Centtrip app.

In the Centtrip app, tap on the menu icon to open settings.
Select '3D Secure' from the list.
Press SHOW PASSWORD to display your password for online transactions.
Enter this password into the checkout page where prompted.

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Question 5

How do I use the 'Projects' feature to automatically label expenses?

Accepted Answer

Save time when managing and reconciling expenses by creating 'Projects' - your custom project label (as well as the associated accounting code) will be automatically assigned to any expenses incurred within a specified time period, for one or more selected cards. You can then run and export comprehensive statements for your project.

This is ideal for automatically allocating expenses to a particular Yacht, Charter, music tour, or production.

[how-tos][figure]Visit your CORPORATE LABELS dashboard and switch to the Projects tab. Then click Create new.[/figure][figure]Enter the project name, an alternative value (such as an accounting code) and the duration of your project. Then select which Centtrip cards should be associated. For example, you could enter the name of a yacht as the project, with the charter start and end dates, and only add the cards for that specific charter crew.[/figure][figure]Once set up, the project label will be automatically attached to any expenses incurred during your specified period, for your selected cards. Your project will show as Pending, Live or Closed, dependent on the project dates you entered. This means you can set up projects ahead of time.[/figure][figure]If required, you can also add or remove project labels manually. Visit EXPENSES and click on a transaction. Then use the dropdown to add your project under Corporate labels. Click the cross to remove it anytime. Switch to the Account transactions tab to add project labels in the same way. [/figure][figure]To view statements and export reports for a particular project, visit STATEMENTS and switch to the Projects tab. Then use the filter to select a project and hit Update to view all associated expenses.[/figure][figure]You can view the opening and closing balances for your project, along with the money in and out at the top. Click XLSX to export - edit, analyse, share with clients, or integrate into your existing accounting systems.[/figure][/how-tos]

Question 6

What information do I need to provide for my Centtrip account application?

Accepted Answer

To verify your legal entity, we will require information about:

Your company or organization;
The individuals associated with that organization and;
Your bank account (when required for moving funds to and from your Centtrip account)

1) Company Information

Q: How do I review my account list and update card delivery details?

[how-tos][figure] Sign into your Centtrip account and select ACCOUNT LIST from the left-hand menu.[/figure][figure]Click an operating account to open *‘Account details’ * and review limits. (You can also click on a card to view cardholder limits).[/figure][figure]Scroll down to view the card delivery address(es) for that operating account. From here you can EDIT DELIVERY ADDRESS or ADD DELIVERY ADDRESS . You can select your preferred delivery address when ordering cards .[/figure][/how-tos]

Q: How do I run account and card statements?

[how-tos][figure] Sign into your account and select STATEMENTS from the left-hand menu.[/figure][figure]Use the dropdown to select your operating account, or a particular card - whichever you want to run a statement for.[/figure][figure]Enter your required date range - you can view account and card statements over as long a period as required, or export up to 3 months at a time.[/figure][figure] Click ‘XLSX’ for an editable statement. Select whether to include all account and card activity, or only activity relating to the card or account you selected.[/figure][figure] Click ‘PDF’ to export professional statements, and choose whether or not to include receipts and labels. Your report will download in your browser.[/figure][/how-tos]

The following information/documentation is mandatory:

Company legal name
Company trading name, if different from legal name
Company type
Country of incorporation
Tax ID number
Registered address
Principle place of business (if different from registered address)
Date of incorporation
Business registration document. This must be:
- Issued by a reliable, independent source such as the local commercial register of the country where the business is registered in.
- Issued within the last one year. Or it must contain a signature and a state of affairs with a date not older than one year.

We may also request additional company documentation:

Proof of address, such as a:
- Bank statement dated within 3 months
- Utility bill (gas, water, electricity, landline) dated within 3 months
- Government issued document e.g. tax document, lease agreement (valid of current year)
Tax documentation - i.e. documentation which has been filed at the local taxation register, such as a registration form or confirmation of tax position issued by local tax authorities. This needs to identify:
- Company legal entity name
- Doing business as name (if applicable)
- Tax number
- Date of issue or state of affairs (cannot be older than 1 year)

2) Bank Details

The following information/documentation is mandatory:

Account name
Account number
Account type
Bank name
Routing number
Purpose of payments
Purpose of payments description
Bank statement. Must be/contain:
- Dated within 3 months
- Bank logo or bank name
- Bank account details
- Name of the account holder

3) Associated Individuals

We need to verify the identity of certain individuals that are associated with the organization. We refer to these individuals as Ultimate Beneficial Owners (UBOs) and Signatories. You can reference the table below for criteria on how to identify them, and the minimum number of individuals required for each type.

Required information will vary for US and non-US nationals:

* Passport image must be of a non-expired passport, in colour and with a visable MRZ.

We may also request proof of residential address.

Suitable documents include:

Bank statement dated within 3 months
Utility bill (gas, water, electricity, landline) dated within 3 months
Government issued document, e.g. council tax bill, tax return (valid for current year)

4) Submitting your application

Once you have completed your application you will be taken to the Confirmation Page which summarises your information. Please scroll down to the bottom of the page to accept the terms and conditions and submit your application. Our team will review your application and respond within 2-3 business days.

Question 7

How do I review my account list and update card delivery details?

Accepted Answer

[how-tos][figure]Sign into your Centtrip account and select ACCOUNT LIST from the left-hand menu.[/figure][figure]Click an operating account to open *‘Account details’ * and review limits. (You can also click on a card to view cardholder limits).[/figure][figure]Scroll down to view the card delivery address(es) for that operating account. From here you can EDIT DELIVERY ADDRESS or ADD DELIVERY ADDRESS. You can select your preferred delivery address when ordering cards.[/figure][/how-tos]

Question 8

How do I edit a cardholder's limits and permissions?

Accepted Answer

Account Administrators can instantly edit the limit and permissions for any cardholder.

Step 1)

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Sign into your Centtrip account, visit MANAGE CARDS and click the card you want to edit.

Step 2)

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ATM access - use the toggle to enable or disable cash withdrawals in just a click.

Step 3)

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Lock/Unlock - instantly lock a card to prevent any further transactions. Unlock again at any time.

Step 4)

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Close Card - permanently close a card which is no longer required. Please note - this cannot be undone.

Step 5)

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Scroll down to view daily and monthly limits. Click the configuration icon to edit these.

Please note - you cannot increase limits above those of the limit tier of your operating account.

Question 9

How do I run account and card statements?

Accepted Answer

[how-tos][figure]Sign into your account and select STATEMENTS from the left-hand menu.[/figure][figure]Use the dropdown to select your operating account, or a particular card - whichever you want to run a statement for.[/figure][figure]Enter your required date range - you can view account and card statements over as long a period as required, or export up to 3 months at a time.[/figure][figure] Click ‘XLSX’ for an editable statement. Select whether to include all account and card activity, or only activity relating to the card or account you selected.[/figure][figure] Click ‘PDF’ to export professional statements, and choose whether or not to include receipts and labels. Your report will download in your browser.[/figure][/how-tos]

Question 10

What are my fees?

Accepted Answer

You can find a breakdown of subscription fees and limits in our Terms and Conditions.

Card usage fees are as follows: