Q: How can I check my card limits?

Our standard card limits are available here . Please contact your Administrator for specific information about your card limits and permissions.

Q: How do I complete the transaction dispute form?

Please download and complete the TRANSACTION DISPUTE FORM carefully, with reference to the instructions below. Return your completed form to help@centtrip.com . Note - If fraud has occured across multiple cards , please submit separate dispute forms for each card . If more than one fradulent transaction has been made on a single card, please attach an account statement with each of these transactions highlighted. Completing your form https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/SP7vclLu5H/resources/yhaRJLvQWY/dispute%20transaction%20image.png (dispute transaction image)

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.

Please note - virtual cards are 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.
Contactless spend - add virtual Centtrip cards to your Apple or Google Pay wallet.
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 Contactless Transactions:

To make a contactless payment, you simply need to add your virtual Centtrip card to your Apple or Google Pay Wallet.

Please note - Google/Apple Pay is currently only available for EEA cards, not for US or UK cards.

For Online Payments:

You can make an online transaction with your card in the same way as you would with a physical card. You can view your card details within the Centtrip app.

https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/SP7vclLu5H/resources/5pxxOlHwoz/1%20-%202024-09-26T171122.585.png (1 - 2024-09-26T171122.585)

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 use my virtual EEA or US card to make online or contactless payments?

Accepted Answer

Virtual EEA cards and virtual US cards can both be used for online transactions. EEA cards can also be used for contactless payments, by adding them to your Apple or Google Pay wallet (this feature is currently unavailable for US cards).

For Contactless Transactions:

To make an contactless payment, you simply need to add your virtual EEA Centtrip card to your Apple or Google Pay Wallet.

For Online Payments:

https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/SP7vclLu5H/resources/5pxxOlHwoz/1%20-%202024-09-26T171122.585.png (1 - 2024-09-26T171122.585)

You can make an online transaction with your card in the same way as you would with a physical card. You can view your card details within the Centtrip app.

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 part 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 or EEA Centtrip account holders.

Question 3

How can I check my card limits?

Accepted Answer

Our standard card limits are available here.

Please contact your Administrator for specific information about your card limits and permissions.

Question 4

Where can I find out what my card withdrawal limit is?

Accepted Answer

Our standard card withdrawal limit is a maximum of up to 3 withdrawals per day, totaling £750.

Please speak to your administrator to request or find out if you have increased limits.

Question 5

How do I submit my card expense receipts, labels and notes?

Accepted Answer

You can attach photo receipts, labels and transaction notes instantly, as and when you spend via the Centtrip app.

Submit individual expenses within the app -

Before you begin, ensure you have activated your card and signed into the app.

Watch 2-minute video -

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Submit weekly or monthly expenses via your desktop -

Visit account.centtrip.com from your tablet or desktop computer, and sign in with the same details you use to access the app.

https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/SP7vclLu5H/resources/bd2Jtws6Hq/Cardholder%20desktop%20expenses%20-%201.png (Cardholder desktop expenses - 1)

Click to expand the filters and select 'without receipts' to view outstanding expenses. Then 'Update'

https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/SP7vclLu5H/resources/V1gBXuHDlI/Cardholder%20desktop%20expenses%20-%202.png (Cardholder desktop expenses - 2)

Work through the list by clicking on an expense to open the details panel. You can then attach a receipt, select corporate labels and add your own labels and notes.

https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/SP7vclLu5H/resources/lIdaw1epuy/Cardholder%20desktop%20expenses%20-%203.png (Cardholder desktop expenses - 3)

Vist the 'CASH' page from the left-hand menu, then 'Add transaction' to record expenditure using funds from a cash-top up or ATM withdrawal.

Question 6

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 7

How can I generate a report of expiring cards?

Accepted Answer

Note - you will only be able to view cards associated with accounts which you have Administrator access to. Corporate Super Administrators will be able to generate a comprehensive report comprising all Centtrip cards across all accounts.

Sign into your Centtrip account and select Run Reports
Configure the report settings as follows:
- Ensure All Groups and All Accounts are selected
- Enter any date range (e.g. today's date) - this is unimportant for this report.
- Select All Currencies
- Tick the box - Include currencies with zero balance and no movement
- Choose Master Report from the Select Report Type dropdown.
- Then choose any currency as your base currency - again it does not matter for this report.

https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/SP7vclLu5H/resources/mmAf3IEXP4/report%20on%20exp%20cards%201%20%281%29.png (report on exp cards 1 (1))

Click GENERATE REPORT.
You will receive an email when your report is ready. Hover over your name in the top-right, and click Requested Reports to download it.

https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/SP7vclLu5H/resources/V5fajYa2a6/report%20on%20exp%20cards%202%20%281%29.png (report on exp cards 2 (1))

Once downloaded, open the final tab of the spreadsheet, labelled Data.
This sheet will show all of your Centtrip cards along with their expiry date (month and year). You can apply a filter to the Card Status column to hide any which have already been closed.

Question 8

What are the courier fees for card orders?

Accepted Answer

The courier pricing for card delivery is as follows:

GBP: £38.10

You will be invoiced in one of these three currencies (or currency equivalent).

Question 9

How do I complete the transaction dispute form?

Accepted Answer

Please download and complete the TRANSACTION DISPUTE FORM carefully, with reference to the instructions below. Return your completed form to help@centtrip.com.

Note -

If fraud has occured across multiple cards, please submit separate dispute forms for each card.
If more than one fradulent transaction has been made on a single card, please attach an account statement with each of these transactions highlighted.

Completing your form

https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/SP7vclLu5H/resources/yhaRJLvQWY/dispute%20transaction%20image.png (dispute transaction image)

Question 10

What should I do if I notice a fraudulent transaction on my account?

Accepted Answer

If you notice a fraudulent transaction on your account, please take the following steps to block the card and raise a transaction dispute.

Fraudulent Transaction Process:

1. Lock your card(s) immediately to prevent any further transactions.

2. Contact your Administrator to transfer remaining card funds back to your Centtrip account, by choosing 'Card to Account' as the transfer direction.

3. Administrators can also order replacements cards, which should arrive within 14 working days.

4. Complete our Transaction Dispute Form and return this via email, along with the relevant supporting documentation - this will be specified in the claim form.

5. Once we receive your claim, you should receive a response within 45 working days. If successful, a chargeback credit will be applied to your new card.

Please note: only 15 transactions can be disputed at any one time, so we would recommend raising the highest 15. A £10 replacement fee will apply to any re-issued cards.