Essentials
Managing Cards and Credit Accounts
This comprehensive guide covers everything you need to know about managing and using cards in Topkey, including American Express, Ramp, and other external cards.
Types of Cards Supported
Topkey offers multiple card options to meet different needs.
| Card Type | Format | Provider | Notes |
|---|---|---|---|
| American Express | Physical + Virtual | AMEX | Connect existing AMEX program |
| Ramp | Physical + Virtual | Visa | Connect existing Ramp cards |
| External Cards | Physical + Virtual | Visa or MasterCard | No spend control; transaction sync only |
Assigning Cards
Each card can be assigned to:
- A person (e.g. maintenance staff, bookkeeper)
- A property (for reporting)
- A spending policy (limit controls and alerts)
Tip: Use clear naming like “Housekeeping – Beachside #4” to identify card usage in reports.
Setting Limits and Controls
The ability to set limits and manage cards depends on the card type.
🔸 American Express Cards
- Monthly limit: Set a maximum spending amount per calendar month
- Create Virtual Cards: Generate a virtual card directly in Topkey that earns against your existing AMEX program
🔘 External Cards
- Connect any program: Connect your Visa/MasterCard program into Topkey
- Maintain unique program settings: Edit nick names, property permissions, and who is assigned to receive text messages when transactions occur
Monitoring Card Usage
From the Cards dashboard, you can:
- View current usage
- Pause or terminate cards
- See recent transaction activity per card
- Access receipts and categorization
- Flag unusual activity
Note: Pausing a card immediately blocks new transactions but preserves past data.
Managing Receipts
Match receipts manually via SMS text or automatically through the Receipts Inbox.
Checklist:
- Team members upload receipts via mobile or desktop
- Receipts are matched by date, amount, and merchant
- Transactions missing receipts are flagged