How can I use my virtual card?
Once you’ve opened a ZenBusiness account, it’s time to cover expenses and start investing in your business.
A physical debit card will be shipped to you after you open an account, but until then, you can use your virtual debit card. It’s instantly available once your account is approved and you can access it on your ZenBusiness Banking Dashboard:
Click “Show virtual card details” to see your card number and copy it to use it on online transactions
We don’t yet support adding your virtual card to your phone’s mobile wallet. We’re working on it!
How do I activate my debit card?
You don’t need to activate your virtual card. It’s ready to use as soon as you’re approved.
To activate your physical debit card, log in to your ZenBusiness Dashboard and you should see a banner at the top with the prompt to activate. Follow the prompts to enter your CVV and to create a pin.
If you run into issues or cannot log in, call Visa card support at 1-833-333-1098 to activate your card over the phone.
How do I dispute a Debit card transaction?
Reach out to email@example.com or call 844-493-6249 to reach a support agent who will walk you through the process of filing a transaction dispute
Right now, our team is given a window of up to 120 days to process a dispute. We do not expect this to take the full 120 days, but the disputes team is always allotted this time.
Also, note that during the investigation process, we don’t receive any updates from our disputes team on the status of your dispute.
What address is associated with my debit card?
The address associated with your debit card is your personal address you used to form your business with ZenBusiness. If you need to update your address, please reach out to firstname.lastname@example.org or call 844-493-6249.
I lost my card or it was stolen, what do I do?
If you’ve lost your card, please report it on your ZenBusiness Dashboard by selecting Manage My Cards under your Virtual debit card and following the prompts to receive a new debit card.
If you cannot log in, call Card Support at 1-833-333-1098 so that they can immediately freeze your card.
My debit card has been declined, what do I do?
If your debit card has been declined, here’s what you can do.
Check your balance to ensure that you have enough in your Available Balance to cover your transaction. ZenBusiness does not offer overdrafts (and does not charge you overdraft fees) and will decline card transactions that would cause your account to go negative.
If you have enough funds, then reach out to the Card Support number on the back of your card. This is a direct line to Visa who can help resolve any issues with your card: 1-833-333-1098
If there is an issue with fraud, please report it on your ZenBusiness Dashboard by selecting Manage My Cards under your Virtual debit card and following the prompts to receive a new debit card.
Can I use my ZenBusiness debit card at an ATM?
Yes, you can use any ATM with your ZenBusiness debit card. Please be aware of any fees that the ATM may charge you when withdrawing funds.
Can I have multiple ZenBusiness debit cards?
ZenBusiness accounts allow for one physical card and one virtual card per account.
We’re working to support more users per account and cards for each user.
How do I change my PIN?\
You can change your pin on your ZenBusiness Dashboard by selecting Manage My Cards under your Virtual debit card and select Manage PIN.
I forgot my debit card’s PIN
If you forgot your debit card’s PIN, please reach out to 1 (844) 4-ZENBIZ or email email@example.com. And we will get it sorted out for you.
Does a temporary debit authorization hold affect my account balance?
Yes, it does affect your account balance. We take into account all holds when showing your Available Balance on your ZenBusiness Dashboard.
On debit card purchases, merchants may request temporary holds on accounts.
This hold is placed by the merchant, and ZenBusiness is not responsible for debit card holds. This is common, and will eventually be adjusted to the actual amount of your purchase, which may take up to 3 days.