The CashFlow+ Card and CashFlow+ Select Card are only available to businesses registered within the United States, and cards can only be issued to US persons.

There is no catch! Merchants that accept the card pay the interchange. We use this to fund the discount paid to your buyers and the 1% cash back. There is no cost to you to use the card. The card works just like a normal card, you pay anywhere Visa is accepted and earn 1% cash back on all purchases.

This card is pre-funded with your approved invoices. Underwriting for personal guarantees/ access to funds is not required. Your money is yours to use.

Of course! You can pick which invoices that are settled to the card vs. other settlement methods. However you can only do one type of acceleration per day. Therefore if you choose to settle your day’s invoices to the card, you must wait one day before you can accelerate other invoices via the traditional Early Pay system.

The funds you load on the card are yours to use whenever you are ready. Your funds never expire and never incur monthly or annual fees.

At this time we will not be issuing additional cards for other employees of the company. Future releases on the card program will include the ability to add sub accounts/users for your company on the C2FO CashFlow+ Card.

You can use the card anywhere Visa cards are accepted.

See the Cardholder Agreement.

The current maximum you can load onto the CashFlow+ Card at any one time and during any one month is $150,000.  

Any unused cash will remain on the account as available funds to spend. There is no time limit on when funds need to be spent.

Yes, you can transfer funds to your bank account. To move funds out of your card back into your bank account, please email card.operations@c2fo.com. Include the return amount you are requesting, the name on your card, and the last 4 digits of your account number. Note that there is a 1% fee associated with this to account for the Early Pay discount rebate you received!

To keep your card safe and secure, we have barred activity in several countries and merchant categories where fraudulent activity may be more likely to occur, or where government sanctions apply. Please contact Customer Service for a complete list of blocked jurisdictions and merchant categories.

You can see the C2FO Privacy Policy here.

All your transactions and balance details can be seen at card.c2fo.com We are 100% paperless.

Yes, the card offers the ability to make contactless "tap to pay" transactions and can also be used for all online "card not present" transactions.

Right now, the C2FO CashFlow+ Card is only available to companies based in the US. However, you may make transactions anywhere in the world where Visa is accepted.

If you close your card, the funds will be returned to your linked bank account, minus the 1% fee to account for the discount refund you received.

Yes! You can choose to upload some or all of your approved invoices, or even just part of one invoice. We will upload your invoices, starting with those with the highest discount rate first, to ensure you receive the highest refund possible. Simply go to "Fund Card" from the card portal home page, then "Load." You will see two options:

• Load accelerated invoices
• Load cash

Then enter the amount you would like to load onto the card. 

You can load your card any time you wish, whether you have invoices approved for early payment or not. If you want to fund your CashFlow+ Card with cash from your bank account, you’ll earn a 0.50% cash back bonus. You’ll still earn the 1% cash back on all purchases.

Simply go to "Fund Card" from the card portal home page, then "Load." You will see two options:

• Load accelerated invoices
• Load cash

Then enter the amount you would like to load onto the card. 

You can load funds whenever you want — C2FO knows businesses need flexibility, so the card.c2fo.com platform allows you to manage the funds on your CashFlow+ Card at your convenience.

Yes! In addition to the instant 0.50% cash back on all non-invoice funds loaded, you will continue to earn the 1% cash back on all purchases made with the card — for an effective 1.5% cash back on those funds.

The current maximum you can load onto the CashFlow+ Card at any one time and during any one month is $150,000.  

The current maximum for the CashFlow+ Select Card at any one time is $10,000,000. With the CashFlow+ Select Card, you may load up to $25,000,000 in any given month.

There are two easy ways to upload funds: 

• You can accelerate invoices for early payment, the same way you do today, and once you receive payment, simply load those funds onto your CashFlow+ Card via the card portal. You can also choose to set your accelerated invoices to autoload.
• If you do not currently have invoices eligible for early payment, you can load cash from your bank account to your card. If you load cash, you’ll earn a 0.50% cash back bonus immediately.  No matter how you load funds, you’ll still earn  1% cash back on all purchases. 

An Authorized User is a person who has a card on your CashFlow+ account and is authorized to use that card to make purchases on your business’s behalf.

1. To add an Authorized User to your card portal, click on the “Admin” tab in the top right corner of your screen.
2. Click on the “Invite User” button.
3. Add the requested information to invite a new user on the right side of the screen.
4. You will see a success screen with an access code. An invite will be sent to the new user’s email address.  
5. Share the access code from this success screen with your new user.
6. The new user will log in, complete registration and then receive a card in the mail in 4-7 business days.

To enroll an Authorized User on your CashFlow+ Card account, you will need to provide the user’s name, email address, physical address, date of birth, Social Security number and mobile phone number.

There is currently no limit on the number of additional cardholders you can have on your CashFlow+ Card account.

You control the spending limits and  can set spend limits for each Authorized User individually. This means some employees could have higher spending limits than others.

No, only you are authorized to load funds onto the card.

You can see all transactions made with the card listed at card.c2fo.com. Under the statements section, you can see all transactions and which cardholder made each purchase.

You can limit the total monthly or daily spending an Authorized User can make. We are developing capabilities for business managers to limit spending by Merchant Category Code, geography, and weekly spending limits.

Yes, your total funds available balance is the balance for the entire company.  Authorized Users may spend up to the total balance unless you have placed limits on their spending. Once the total balance has been spent, no one will be able to spend using the card until new funds are loaded.

For your convenience, and to ensure that funds get loaded to allow you to spend as quickly as possible, funds will be automatically withdrawn from your linked bank account based on dates your customer provides. This is in the card portal. You can choose to turn this service on or off at any time.

Please turn off Auto Load if you are worried that you might not have sufficient funds in your account. C2FO will withdraw funds based on the dates your customer provides. You will be notified 2 days before withdrawal. If you do not have sufficient funds at that time, your bank may either bounce the request and/or charge you an NSF fee.

Yes, you can turn the Auto Load function on and off as frequently as you wish.  Simply log into the card portal and adjust the Auto Load setting in the Bank Account Settings section on the card portal.

If you turn off the Auto Load feature, all invoices in your queue will not be loaded, and you will need to manually approve each one. 

Auto Load will withdraw the full offer amount that you submitted for early payment.

There are no load, usage, or maintenance fees with this card. You do not get charged for getting paid onto the card. There is a 2.5% foreign transaction fee for purchases made outside the U.S. Also, if you chose to move funds that have been loaded to the card into your bank account, there is a 1% cash transfer fee.

The C2FO CashFlow+ Card is not a credit card. You are spending your accelerated invoices or added cash, so there is no interest charged on the card.

The approach is intentionally simple and straightforward. You will earn 1% cash back for all purchases made with the card from accelerated invoices and added cash.

You can redeem the cash back in the card management portal. You can redeem the cash back at any time you wish. Cash back rewards will be applied to your card.

Your cash back never expires. You may keep the cash back on your card as long as you wish before redeeming. You can redeem the full cash back balance at any time you wish. 

Customer Service can be reached at 1-833-988-2462. Customer Service is available 5a-11p MST M-F & 6a-6p MST Sa-Su. Hours may be reduced on holidays.

Customer Service is able to handle a variety of concerns and issues such as: dispute charges, information on transactions, report and replace a lost/stolen card, update personal details on account, assist with online account access. Customer Service can be reached at 1-833-988-2462.

Yes, you will be proactively sent a new card when this one nears expiration.

Yes, express shipping is available for a $10 fee.

Yes, in certain circumstances, merchants can take this step as a protection against fraud, errors, or other losses. One common example is using the card at a hotel, the hotel may put a hold on certain funds to protect against potential damage or other room charges. Another example is using your card at a gas pump. Typically, the gas station will create two transactions — the first to get approval from your bank for an estimated purchase amount (let's say $50) when you swipe your card before pumping gas, the second for the actual charges when you're done. Until the first ($50) transaction is canceled by the bank, usually within 48 hours, you wouldn't have access to that amount in your account.

You are able to dispute a transaction with Customer Service ( 1-833-988-2463) if you are not able to resolve the situation with the merchant directly.

The C2FO CashFlow+ Card does not currently use a PIN.

Cash access is not available on this product at this time.

In situations where you would like to "freeze" or place a temporary hold on your card without closing the account, please contact our Customer Service team. They will be able to help you "freeze" your card until you are ready to begin using the card again and instrucxt you on what you need to do to reactivate the card for use.

The maximum you can load on the CashFlow+ Select Card at any one time is $10,000,000. With the CashFlow+ Select Card you may load up to $25,000,000 in any given month.

Yes, you can transfer funds to your bank account. You may transfer up to $150,000 per month off your C2FO CashFlow+ Select Card.

To move funds out of your card back into your bank account, please email card.operations@c2fo.com. Include the return amount you are requesting, the name on your card, and the last 4 digits of your account number. Note that there is a 1% fee associated with this.

Yes, the maximum amount you can spend in a single transaction is $5,000,000. This is for your protection against fraudulent actions.

Yes, there is a daily limit of $10,000,000 in total spending and a maximum of $5,000,000 for a single transaction.

If you currently have the C2FO CashFlow+ Card, you may request an upgrade by calling your SRM directly or by calling 1-866-463-6565 

If you do not yet have the C2FO CashFlow+ Card, you may request it here.  After you receive and use the card, you may request to be considered for an upgrade by calling your SRM.