How do commercial debit cards work?

A commercial debit card works similarly to a regular debit card, although it is designed with business needs and spending in mind.

These business cards link to a checking account and allow the employee to transact by accessing funds from the connected account. Payments may take place online or at a merchant’s POS system. The person may also withdraw cash.

When a purchase is made, the amount is deducted from the account’s available balance.

To help control spending and reduce fraud, you can set spending limits and control how, where, and when the plastic can be used.

Banks do not conduct credit checks before issuing debit cards. Nor do they charge interest on transactions.

[TW]

商業借記卡如何運作？

商業借記卡的工作原理與普通借記卡類似，但其設計時考慮了業務需求和支出。

這些名片連結到支票帳戶，並允許員工透過從關聯帳戶提取資金進行交易。 付款可以在線上進行，也可以在商家的 POS 系統上進行。 該人還可以提取現金。

購買後，金額將從帳戶的可用餘額中扣除。

為了幫助控制支出並減少欺詐，您可以設定支出限額並控制塑膠的使用方式、地點和時間。

銀行在發行借記卡之前不會進行信用檢查。 他們也不收取交易利息。