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Frequently Asked Questions

Virtual Cards

How does the DiviPay virtual card work?

DiviPay’s virtual cards work the same way plastic cards do, the only difference is that the virtual cards live on your phone instead of your wallet. The DiviPay virtual Mastercard is a reloadable prepaid card that can be used anywhere online or in-store that Mastercard is accepted. To use your DiviPay cards you need to first have funds available in your DiviPay account.

How do I load funds into my DiviPay account?

Because DiviPay’s virtual cards work like a prepaid expense card you will need to top-up your DiviPay account balance before spending. If your bank is NPP (New Payments Platform) enabled, your transfers will be almost immediate, otherwise, any funds transferred into your account balance before 4pm will settle on the same day. Direct debited funds will take between 3-5 working days to settle in your account balance.

How do I make a payment in-store using my virtual card?

The DiviPay virtual card loads directly into your mobile wallet. To make a payment in-store simply open Apple Pay or Google Pay and hold your mobile phone over the credit card reader, like you would with your normal tap and pay physical card.

How do I make a payment online using my virtual card?

Buying things online with a DiviPay virtual card works the same as your traditional bank card. From the DiviPay app simply tap pay online to reveal the card details and then copy and paste your Card Number, Expiry Data and CVC at the check-out page.

Does DiviPay replace my corporate credit card program?

Yes, the DiviPay virtual card will replace your corporate credit card program. With DiviPay you can control your spending before it happens. Create budgets, control limits, make payments, review spending and automate reporting with DiviPay’s simple expense software.

How long does it take for funds to become available on my virtual card?

Funds will be made immediately available on every team member's virtual card the moment a payment is made unless their card limit is insufficient or there are insufficient funds in the DiviPay account balance.

Card Controls

How does DiviPay help me control my team's spending?

With DiviPay you can program your expense policy directly into your team’s virtual cards. You can customise spending rules per budget and lock cards to specific merchants, spending categories and amounts.

What controls can I set on the virtual cards that I issue?

With DiviPay you can program your expense policy into each card by creating weekly, monthly or one-time-only card limits, setting maximum transaction size limits and locking cards to approved merchants.

What is a budget and how does it control business expenses?

A budget is a communal limit that can be accessed by one or more people via their virtual cards. Budgets provide a layer of control between your overall account balance and your card holders as well as allowing you to control multiple cards at once. Budgets also help you track spending in a way that makes sense for your business in real time. Lots of businesses use DiviPay to track and control their operational budgets in real time. For example, you may set up a budget for each team in your business.

How do I approve business expenses using DiviPay?

DiviPay allows you to pre-approve a specific limit to be spent or approve requests for funds from your staff. Set up a budget to give your staff access to a pre-approved limit or approve your staff’s requests for funds from the web and mobile app. You will be notified via email and push notifications when requests need to be approved.

Can I set-up my own approval flow?

Yes, using “manager-only” custom fields you can re-create your current approval flow by allowing managers to review and then mark a transaction as approved before handing it off to another team for additional approval.

Do I need to approve every transaction?

No, DiviPay allows for a flexible level of control. When creating a budget you can allocate a pre-approved limit to team members for them to spend from. However, if you’d like to approve every expense this can be done by setting a $0.00 card limit for each card holder.

Accounting Integrations

Will DiviPay’s expense software work with our accounting software?

Yes, DiviPay works seamlessly with all accounting systems. If you are a Xero, MYOB Account Right or Quickbooks user DiviPay will automatically import all transactions into your accounting software for you. If you use any other accounting software you can use DiviPay’s smart filters and exports to generate a custom CSV ready for import into your system.

Will receipts and tax invoices sync into my accounting software?

Yes, receipts and tax invoices will automatically import into your accounting software so you can reference the source document in your own system.

Is it easy to integrate DiviPay’s expense software with my accounting system?

Yes, integrating DiviPay with your accounting software can be done in just a couple of clicks.

Can I import my chart of accounts and tracking categories into DiviPay’s expense software?

Yes, your chart of accounts and tracking categories will import into DiviPay automatically so that they can be coded against each transaction

Will changes made to expense data in DiviPay automatically update in my accounting system?

Yes, any changes made in DiviPay will be automatically reflected in your accounting system ensuring that both systems are kept up-to-date. The only exception to this is when a transaction has been reconciled or an accounting period has been locked.

How do I load funds into my DiviPay account?

Because DiviPay’s virtual cards work like a prepaid expense card you will need to top-up your DiviPay account balance before spending. If your bank is NPP (New Payments Platform) enabled, your transfers will be almost immediate, otherwise, any funds transferred into your account balance before 4pm will settle on the same day. Direct debited funds will take between 3-5 working days to settle in your account balance.

Transaction Feed

How long does it take transactions to appear in DiviPay?

Transactions will appear in DiviPay’s transaction feed the moment a staff member has made a payment with their virtual card. There is no time-delay, allowing you to review any spending in real time.

How do I review transactions in DiviPay’s transaction feed?

DiviPay’s transaction feed has been set up to make reviewing transactions quick and easy. Each transaction has a status (incomplete or complete) and can be filtered by time, person, category, budget and more. Using DiviPay’s filters allows you to narrow your focus and quickly review any transactions that need further attention.

Will I be able to review receipts and tax invoices for every transaction?

Yes, by clicking open a transaction you will be able to see the relevant tax invoice for any final reviews and updates.

Can I export my transactions out of DiviPay’s expense software?

Yes, all transactions can be filtered by any time period and then exported as a CSV or a PDF statement. You can also export the associated tax invoices from DiviPay.

SaaS Subscriptions

How does the DiviPay virtual card work?

DiviPay’s virtual cards work the same way plastic cards do, the only difference is that the virtual cards live on your phone instead of your wallet. The DiviPay virtual Mastercard is a reloadable prepaid card that can be used anywhere online or in-store that Mastercard is accepted. To use your DiviPay cards you need to first have funds available in your DiviPay account.

How does DiviPay’s expense software help me manage my SaaS subscriptions?

You can use DiviPay to create a unique virtual card for every subscription, pause subscriptions at any time with the click of a button and track all subscriptions from an easy-to-read dashboard.

How many virtual cards can I issue?

You can issue unlimited virtual cards.

How do I cancel a subscription and the associated virtual card?

You can cancel subscriptions at any time by opening up the subscription on the DiviPay web app and clicking the pause button or clicking edit and then delete subscription. This will close the relevant virtual card and stop any future payments from processing.

Can I pay for subscriptions that charge in USD or other currencies with DiviPay’s virtual cards?

Yes, DiviPay will convert any transactions from AUD into a foreign currency for you. Transactions made in a currency other than Australian Dollars will be subject to the prevailing Acquirer exchange rate at the time, plus a 2.99% foreign transaction fee.

I wish to dispute a transaction, what do I do?

We recommend always trying to resolve the issue with the merchant prior to issuing a chargeback - merchants would almost always prefer to resolve the issue without a chargeback. In the event that you have tried to contact the merchant and have been unable to reach a resolution, you can dispute the transaction by contacting us at customerservice@divipay.com. We will act on your behalf and conduct the chargeback.

How DiviPay Works

01

Set spending rules with budgets

Create budgets to set spending rules for your staff and ensure payments can only be made if they are within the company's expense policy.

02

Issue virtual corporate cards

Instantly issue team members with their own virtual corporate card.

03

Pay with your phone

Use our mobile app to access your virtual corporate card, pay instore and online, and snap photos of your receipts.

04

Automate expense management

DiviPay automatically captures merchant info, GST and expense category, and exports all expense data into your accounting software.