MarginEdge Card | MarginEdge

All your purchases, all in one place

The MarginEdge Card* lets employees make purchases that sync directly to MarginEdge. No petty cash. No reconciliation headaches. No micromanagement.

Automatically code and categorize transactions

See every dollar spent in real time

Keep your books clean without the busywork

*Available to U.S. customers only

Getting started Managing receipts Tracking & controlling spend FAQ

As easy as 1, 2, 3

Step 1 Get approved*

Share a few business details to get started. No credit check required.

Step 2 Add your team

Centrally issue cards, set spend limits and assign them across all your locations.

Step 3 Start swiping

Once activated, purchases sync instantly and are automatically repaid weekly — no APR, interest or extra bills.

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No more chasing receipts

Every swipe triggers a prompt to snap a receipt. It’s instantly matched to the purchase, coded to your expense categories, and uploaded to MarginEdge automatically.

^{TRACK AND CONTROL SPEND}

Every swipe, coded, categorized, tracked

Transactions sync directly into MarginEdge and are automatically coded to the right categories, giving you a clear view of team spend and helping you stay ahead of off-brand purchases.

FAQ

Got questions? We've got answers!

What is the MarginEdge Card?

A business charge card built for restaurants. Every purchase is automatically coded, matched with a receipt, and synced to MarginEdge—no manual work required.

How does the MarginEdge Card work?

Once you're a MarginEdge customer and you sign up for the Card program (no credit check!), you can issue cards to your team, set spend limits and start making purchases.

Your employees will receive their cards within 5-7 business days once requested.

Transactions appear instantly in MarginEdge, fully coded and categorized.

Is there a credit check, and what info is required to apply?

No, there's no credit check needed for the MarginEdge Card.

To get approved, we’ll collect a few business details, including ownership Social Security numbers and bank account information. Federal law requires this information to verify identity and help prevent fraud.

Are there any fees?

There are no fees to issue or use the card as part of your MarginEdge subscription. A $30 fee may apply if a payment fails due to insufficient funds.

How does billing and payment work?

The MarginEdge Card has a 7-day statement cycle. Your balance is automatically paid weekly via ACH, and funds are typically withdrawn from your account 1–2 days after the cycle closes.

Because payments are processed automatically, there’s no APR, no interest and no extra bills to manage.

Are there spending limits?

Yes. Your business is assigned an overall credit limit, and admins can set and adjust individual card limits for each user.

Where can the card be used?

Anywhere Mastercard® is accepted within the United States.

Get started

*Important information for opening a card account: To help the government fight the funding of terrorism and money laundering activities, federal law requires institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: when you open an account we will ask for your information about the business and key personnel that will allow us to identify them. We may also ask for identifying documents.

**The MarginEdge Commercial Charge Mastercard is issued by Patriot Bank, N.A., Member FDIC. Mastercard is a registered trademark of Mastercard International Incorporated.

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