To help corporate clients better manage employee business expenses, we have officially launched the Corporate Card feature. When your team needs to handle daily SaaS subscriptions, advertising placements, travel, and other expenditures, the Corporate Card offers a corporate virtual card solution seamlessly integrated with your Infini account. It is designed to replace inefficient, high-risk, and non-transparent personal card reimbursement models, providing you with a secure, controllable, and transparent new expense management experience.

1. Inefficient Traditional Payment Methods: The current model, which relies on an administrator's personal card or employee reimbursements, involves cumbersome and lengthy processes. This not only ties up employees' personal funds but also reduces the company's operational efficiency.
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2. High-Risk and Non-Transparent Corporate Funds: Using personal cards for company payments leads to chaotic expense management, making it difficult to track and control budgets in real-time. Finance personnel also face significant challenges in reconciliation, unable to get a clear picture of each expenditure.
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3. Poor Employee Card Usage Experience: Employees frequently need to pay out-of-pocket for business expenses and deal with complex reimbursement procedures, which is inconvenient. They may also face issues like insufficient credit limits or not having a card available for urgent payments.

1. Seamless Integration, Centralized Management: The Corporate Card is directly linked to your Infini cash account. Administrators can top up Corporate Cards from the main account with a single click, enabling centralized fund allocation and management, which greatly simplifies internal financial processes.
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2. Flexible Creation, Precise Authorization: Administrators can create dedicated Corporate Cards for different employees as needed, customize card names for various purposes (e.g., "Marketing - Ad Spend"), and set independent top-up limits to achieve precise budget control over expenses.
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3. Real-Time Control, Secure and Transparent: Administrators have full control, with the ability to view the transaction history of all cards at any time and [Lock] or [Terminate] any card as needed to effectively prevent financial risks. All operational records are transparent and traceable, ensuring every expense is accounted for.
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4. Dedicated for Employees, Convenient Payments: Employees can clearly see the Corporate Cards assigned to them in their own accounts, view complete card information and available balances at any time, and use them directly for online payments without needing to pay for business expenses out-of-pocket.

When creating a corporate card, you need to select a cardholder. The super administrator can invite your team members to join your organization and select the corresponding team member as the [Cardholder]. For detailed steps on inviting team members, please refer to: How to Manage Permissions and Invite Team Members.

Please note:

(1) Users who have completed business verification (KYB) and users who have completed individual verification (KYC) can both create corporate cards for team members.

(2) Users who have completed KYB verification can create up to 30 cards; users who have completed KYC verification can create up to 3 cards.

(3) If you are using the card personally and no other team members are involved, simply select yourself as the [Cardholder].

(1) Create an Corporate Card: In the [Corporate Card] module, click the [+ Create Card] button. Both entry points can be used to add a card.

(2) In the [Create New Card] pop-up window, fill in the [Card Name], [Select Cardholder] from the team member list, and enter the [Top-up Amount] and other relevant information.

(3) After confirming the information is correct, click [Submit]. The system will deduct the corresponding amount from your main account, and a virtual corporate card will be issued by our partner issuing institution for the designated employee.

(4) Select a card to view its details. You can edit the name by clicking the [pencil icon] and pressing the [Enter key] to save.

(5) Click [View Details] below the card to see key information such as the full card number, creation date, and CVV code.

When you use the corporate card for transactions, 3DS verification may be triggered in some scenarios. Due to the card issuer's requirements, the email and SMS registration here uses the official unified receiving system. Please make sure to select [E-mail] to receive the verification code, then click submit. You will receive an email verification code from Infini. Enter it to complete the 3DS verification.

(6)Top up the card to add to its balance.

(7) Click [Freeze] to temporarily freeze the card. A frozen card cannot be used for any transactions. It can be unfrozen later.

(8) You can [Terminate] the card to permanently deactivate it. This action is irreversible.

(9) In [Corporate Card] -> [Transactions], you can view the detailed transaction history for all Corporate Cards under your account.

(1) Log in to your Infini account and go to the [Corporate Card] module to see a list of all cards assigned to you.

(2) Click [View Details] below a card to see its full details, including the complete card number, expiration date, CVV, and available balance.

(3) On the website or application where you need to pay, select the credit card payment method and enter your Corporate Card's number, expiration date, and CVV to complete the payment.

(4)You can view all historical transaction records for the current card.

Q1: What happens if the administrator's main account balance is zero when creating a card?

A: Your card will not be able to be topped up or used for purchases.

Q2: What happens if an employee's card has an insufficient balance during a transaction?

A: The transaction will fail, and the employee will receive a system notification: "Transaction failed: Insufficient card balance."

Q3: What is the difference between a card that is [Freeze] and one that is [Terminated] by an administrator?

A: A [Freeze] is a temporary freeze, and the card status will show as "Frozen." It can be unlocked by an administrator later to resume use. A [Terminate] action is a permanent deactivation, and the card cannot be used again. Please confirm before taking this action.

Q4: Why is my card payment failing?

A: There could be several reasons: insufficient card balance, exceeding the per-transaction limit, or the card has been frozen by an administrator. The system will send a corresponding failure notification. Please handle it according to the notification or contact your administrator.

Q5: Why don't I see anything when I enter the Corporate Card module?

A: If you are an administrator, it may be because you have not created any cards yet. You can click [+ Create Card] to create your first one. If you are an employee, it means that an administrator has not yet assigned any cards to you. Please contact your administrator.

Q6: How many Corporate Cards can users with different verification levels create?

A: Users who have completed KYB can create up to 30 cards for their team. Users who have completed KYC can create up to 3 cards. Unverified users cannot create cards. Contact the Infini team if you need more.

Q7: Is there a fee to create an Corporate Card?

A: Yes. Currently, the card issuance fee is 10U per card.

Q8: What fees are incurred when using the Corporate Card for purchases?

A: Regular card purchases do not incur additional fees; if you initiate a chargeback, a 2% refund fee applies; if a refund is processed passively, a 0.2% fee applies.

Q9: Are there additional fees when using the Corporate Card outside the United States?

A: Yes. If you make purchases outside the U.S., currency conversion fees or cross-border fees will apply, estimated at an additional 1%-2%. The applicable fee standards shall be subject to the latest rates published by the relevant regions and institutions.

Q10: How can I change the name on my card after it has been issued?

A: You can log in to your Infini Business account, click your profile avatar in the bottom-left corner of the page, and select Profile > Edit Name. Once updated, your cardholder name will be synchronized automatically.

If you have any questions or feedback about the Corporate Card, please reach out to our support team through customer service channels.Click the green phone icon in the bottom-right corner of the Infini system and select [Message] to contact us.

Disclaimer：

The Corporate Card service is provided by licensed partner issuing institutions. Infini provides technical and account management support only. This service does not constitute a bank deposit, investment product, or any form of return guarantee.