Virtual cards for teams and agencies

An RDVCC team account separates the money from the cards. The owner (shown as Admin in the dashboard) tops up one USD balance and assigns money to each person. Members use what they are assigned to open and top up their own cards. They cannot top up the account, request a prepayment refund or touch the rest of the balance. Before creating a team, the owner must complete identity verification, top up the account at least once and turn on two-factor authentication. A team can have up to 20 people, including the owner.

Who team and agency virtual cards are for

When several people share a virtual credit card program, three questions come up: who holds the money, who is using which card, and what happens to the cards when someone leaves. Here is how a team account handles them:

Situation	What the team account does
Media buyers run their own campaigns and one person controls the budget	Assign money per person, top it up when it runs out, and take back what is unspent at any time
An agency works for several clients	Each buyer joins as a member and opens their own cards. The owner sorts cards by client with folders and card names
You need to know what each person spent	Every card records who manages it. View card spend and successful and failed transactions by member
A buyer leaves or changes role	When you remove a member, you hand their cards to another member or to yourself, and the cards keep working

Where it does not fit: these are prepaid cards, so you fund them first and there is no credit line or payment term. You cannot give individual members different permissions. The Statements section of the dashboard provides monthly statements and payment receipts, not tax invoices.

What the owner and members can do

Action	Owner	Member
Top up the account or request a prepayment refund (return of the account balance)	Yes	No
Assign or take back a member's funds	Yes	No
Open cards and top up cards	Yes	Yes, from assigned funds only, with two-factor authentication
Cards they can see	All team cards	Only cards they manage
Withdraw card balance or close a card	All team cards	Cards they manage
Freeze or remove members and hand over cards	Yes	No
Download statements and payment receipts	Yes	No

Members switch the workspace to the team in the top bar to use team funds. Their personal account and personal balance stay separate, and the team cannot spend them.

How the money moves

The money always stays in the owner's account balance. A team has no separate wallet.
Money assigned to a member can no longer be spent by the owner, and when assigning, the total cannot exceed the owner's balance.
The amount and fees for opening and topping up cards come out of the member's assigned funds.
The owner can take back unspent money at any time.
When a member withdraws a card balance or closes a card, the money returns to the team balance and the member's available funds are restored. Fees are not refunded.
Withdrawing a card balance is free. You must wait 30 minutes after the card's last transaction, and $1 stays on the card.

Available funds are restored only when the member starts the withdrawal or closure. If the owner does it on a member's card, the money returns to the team balance and the member's available funds do not change.

How to set it up

The owner completes identity verification, tops up the account at least once and turns on two-factor authentication, then creates a team under Team account in the dashboard. Cards opened in a team rely on the owner's identity verification, so members do not verify individually.
Invite members by email. An invitation is valid for 7 days and can only be accepted with the invited email address. An account can be in one team at a time.
Assign funds. A new member starts with $0 and cannot open cards until funds are assigned.
The member turns on two-factor authentication, switches to the team workspace and opens cards. A bulk order can open up to 30 cards, within the card limit.

What it costs

Members use the owner's fee rates, available BINs and card limits. Creating a team and inviting members are free.

Item	Rule
Account top-up	0.5% when the owner tops up the USD balance
Card opening fee	Depends on the BIN, from $1. See "Fees for this card" on the card opening page
Card top-up fee	Tiered by the owner's total card top-ups in the calendar month: 2%, 1.5%, 1%, 0.8%, 0.5%
Transaction, decline, 3DS and similar fees	Depend on the BIN. See "Fees for this card". Charged to the card balance first, then to the owner's account balance if the card is short
Monthly or annual fee	None
Card limit	Members' cards count toward the owner's limit. The default is 5 active cards and 5 in total, and the owner can request more

Advertisers can ask support to join the advertiser group: the card limit starts at 50, the top-up fee on ad BINs is 0, and you get a dedicated support contact. Identity verification comes first.

How to reconcile spend

The team page shows each member's available funds, cards managed, card spend, successful and failed transactions, net funding, card balance and fees, for the last 7, 30 or 90 days or all time.
Transaction records can be filtered and exported by member. The last column of the export is the managing member.
The Money flow tab under Statements downloads an Excel file with summaries by media buyer, by card and by ad account, plus every charge, fee, top-up and merchant refund.
The owner can add a note of up to 30 characters to each member. Only the owner can see it.

Team page statistics follow each card's current manager. After a handover, past spend moves with the card to the new manager. If you need records by the person responsible at the time, export them before the handover.

Security and staff changes

Event	What happens
Freeze a member	Their team workspace becomes read-only until you unfreeze them
Remove a member	Requires a two-factor code. They lose the team workspace at once, their cards go to the person you choose, and the cards keep working
A member leaves	They lose the team workspace, their cards return to the owner, and their personal account is unaffected
Dissolve the team	Requires a two-factor code and cannot be undone. All members are removed and all cards return to the owner
An invitation link is forwarded	The link only works for the invited email address

A handover does not change the card number. Freezing or removing a member only affects the team workspace and does not stop the card. If you think a card number has leaked, freeze or close that card.

What our team account data shows

This covers teams with at least one member and all cards under the owner's account, including cards the owner manages. Transaction ratios use the window 2026-08-11 to 11-08, count only activity after the team was created, and are per transaction. Team size and the share of cards managed by members are as of 11-09. The sample is small and spending is concentrated in a few teams, so we do not split spend by platform.

Measure	Result
Team size, including the owner	Median of 2 people; three in four teams have 3 or fewer
Cards not closed that are managed by members	About 73%
Approval rate across all authorizations	About 93%
Declines caused by balance or limit	About 90%
Approval rate excluding balance or limit declines	About 99%
Members with cards who have withdrawn a card balance since this opened to members on 10-08	About 70%

Most team card declines come down to balance or limit. When a card is declined, check the card balance first. To top up the card, check the member's available funds. Teams of two or three people can use a team account too.

FAQ

What do I need to create a team?

The owner must complete identity verification, top up the account at least once and turn on two-factor authentication. Sending invitations has the same requirements.

Does a team account cost extra?

Creating a team and inviting members are free. Card opening and top-up fees use the owner's rates and come out of the member's assigned funds.

How many people can a team have?

Up to 20, including the owner. An account can be in one team at a time.

Can a member take team money out?

No. Members cannot request a prepayment refund or top up the account. They can only use assigned funds to open and top up cards, and a withdrawn card balance returns to the team balance.

Do members need identity verification?

Cards opened in a team rely on the owner's identity verification, so members do not verify individually. Members need two-factor authentication to open and top up cards.

What happens to the cards when a media buyer leaves?

When the owner removes the member, their cards go to another member or to the owner, keep the same card numbers and keep working. You can also freeze the member first, which makes their team workspace read-only. If you think a card number has leaked, freeze or close that card.

How can an agency organize cards by client?

The owner can create folders, for example by client or by media buyer, and name each card when opening it. For reconciliation, the Excel file from the Money flow tab under Statements summarizes by media buyer, by card and by ad account.

What if a member runs out of funds?

A member with no available funds cannot open or top up cards until the owner assigns more. If the owner's balance is short, the owner needs to top up or take funds back from another member.