Understanding Card Types
Swipey offers two types of cards to fit different needs:
Virtual CardsDigital cards for online spending—perfect for subscriptions, ads, and software. | Physical Cards Real cards for in-store and online spending.
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Tip: Start with virtual cards for faster setup. You can always order physical cards later.
Assign Cards in 2 Simple Steps
You can assign cards to yourself first, then roll them out to your team. Watch the short video below or follow the step-by-step guide:
Option A: Assign a Card to Yourself
Step 1: Navigate to Cards
👉 Log in to your admin dashboard. From the left menu, click Cards.
Step 2: Issue Your First Card
At the top of the Cards page, you'll see your name. Click Issue a New Card. Fill in the card details:
- Card type: Virtual or Physical
- Spending limit: Set a daily, weekly, or monthly limit
- Card name: Give it a label (e.g., "Founder Card - Online Ads")
Click Submit. If you ordered a physical card, it will arrive in 7-10 business days.
Step 3: Verify Card
Login to your Swipey app to verify your card. Once verified,
Option B: Assign a Card to an Employee
Step 1: Navigate to Cards
👉 Log in to your admin dashboard. From the left menu, click Cards. Invited employees who have completed verification will appear on the Cards tab.
Can't find your employee?
- If they're not listed, you need to invite them to Swipey first.
- If they appear as "Pending" or "Not Verified," send them this verification guide.
Step 2: Issue a Card for the Employee
Click on the employee's name.
Click Assign Card or Issue a New Card.
Fill in the card details:
- Card type: Virtual or Physical
- Spending limit: Set a daily, weekly, or monthly limit
- Card name: Give it a label (e.g., "Marketing - Meta Ads")
- Merchant restrictions (optional): Block certain merchant categories (e.g., gambling, alcohol)
Click Submit.
The employee will see the card in their Swipey mobile app immediately (if virtual) or receive it by mail (if physical).
Whats Next?
Employee receives card access
- Virtual cards: Instantly available in their mobile app
- Physical cards: Delivered to the registered address in 7-10 business days
Employee can start spending
Once the card is funded (you've topped up your company wallet), the employee can use the card within the limits you set.
You track everything in real-time
Every transaction appears instantly in your admin dashboard. You can:
- View spending by employee, card, or merchant
- Download receipts and statements
- Adjust limits or freeze cards anytime
👉 Learn how to fund your master account
Need Help Assigning Cards?
If you’re unsure which limits to set or want help deciding who should get a card first:
💬 Chat with us on WhatsApp
📞 Book a 15 min call and we’ll guide you through best practices
Common Questions
How many cards can I issue?
It depends on your Swipey plan:
- Free plan: 1 virtual card
- Paid plans: Unlimited virtual cards + physical cards based on your subscription
👉 View pricing and packages or contact our team for custom plans.
Can I assign multiple cards to one employee?
Yes! Some customers give employees separate cards for different purposes:
- One card for software subscriptions
- Another for ad spending
- Another for travel expenses
This makes tracking and budgeting easier.
Can I change the spending limit later?
You can transfer the exact amount needed by the company to the employee card before the spend begins and extra money can be returned to master account. Changes apply immediately.
What if I need to freeze a card?
Go to Cards → Select card → Change card status (Active/Frozen).
The card stops working instantly. You can unfreeze it anytime. Remember to clawback any remaining money before freezing the card.
What happens if an employee leaves?
Go to Employee Settings → Select employee → Change user status to inactive.
All their cards are automatically frozen and deactivated. No risk of unauthorized spending.
Do I need to assign a card when I invite an employee?
No. Card assignment is optional during the invitation process. You can invite employees first and assign cards later when you're ready.
Can employees create their own cards?
No. Only Admins can issue cards. Employees can only use the cards assigned to them. This keeps you in full control.