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Business Card Issuance

Kolo business cards help companies manage spendings through the business dashboard. This guide explains how they work, how admins issue them, and how employees get access.

What Are Kolo Business Cards?

Kolo business cards are virtual Visa cards designed for business expenses.

They can be used for a wide range of company-related payments, including:

  • 🖥️ Payments for IT infrastructure, cloud services, and servers

  • ✈️ Booking flights and 🏨 hotel accommodations worldwide

  • 🏠 Renting real estate, 🚗 vehicles, and 🛩️ business jets

  • 📢 Paying for advertising on Google, Facebook, and other digital platforms

  • 🎟️ Buying tickets and 🤝 sponsoring global events and conferences

  • 🧾 General business development and operational expenses

Before You Can Issue a Business Card

Before issuing business cards, your company must:

  • complete B2B onboarding

  • have KYB verification approved

  • have business cards available

How Business Card Issuance Works

Each business card is issued from its own wallet. This means:

  • one wallet can have only one business card

  • each new card requires a separate wallet

  • one employee can hold multiple business cards, but each card must still be issued from a separate wallet

The employee selected during the issuance flow becomes the cardholder for that card.

How to Issue a Business Card

Business cards can be issued from the Business account by the company owner (account creator).

To issue a card:

  1. Log in to my.kolo.in/business

  2. Go to Wallets

  3. Create a new wallet or open the wallet you want to issue the card from

  4. Choose Issue Card

  5. Choose an existing employee or create a new one

  6. Review the employee’s details:

    • full legal name

    • business email

    • valid phone number

  7. Confirm the request and accept the required agreement

  8. Complete the card issuance flow

After the card is successfully issued:

  • the card appears in the selected wallet

  • the card status becomes Active

  • the selected employee becomes the cardholder for that card

Issuing the card to the employee grants access — Kolo automatically gives the employee access to the delegated business wallet and the assigned business card.

Within one company, each employee must have a unique email and phone combination.

The same phone number may still be used for employees in different companies or business accounts.

Use only business email addresses (e.g. [email protected]) for employees.

Each employee email can have only one business card issued to it — even if the previous card was already closed or deleted. A closed card does not free up the email for a new card.

If you need to issue another card to the same person, use a different business email address for that employee.

How Employees Get Access

Once the card is issued:

  1. Employee receives an invitation email

  2. Employee signs in to Kolo Personal with the business email address

  3. Delegated profile (aka wallet) with a business card appears in the employee's Kolo Personal interface.

After accepting the invitation, employees can access business wallet and assigned business card.

Employees access their business cards through the Kolo Personal interface at:

Employees can:

  • view the delegated wallet balance and transactions

  • view and manage their assigned business card

Employees do not have access to:

  • other employees’ cards

  • company-level management features

💡 Pro tip: After the card is issued, you can also optionally share it with another user from the same screen, if needed.

This is an additional step and is not required to complete standard card issuance.

Use this option only when you want to grant another user access in addition to the main cardholder assignment.

FAQ

Can one company issue cards to multiple employees?

Yes. A company can issue cards to different employees after onboarding is complete.

Why do I need to use a work email and phone number for an employee?

Use valid and active contact details so the employee can receive important verification messages during the card flow. Depending on the scenario, OTP or 3D Secure codes may be sent to the employee’s phone number or corporate email.

Can I share a business wallet with an employee without issuing a card?

Yes. In Kolo Business, you can grant an employee access to a business wallet even if no card has been issued yet. This means the employee can get access to the delegated wallet separately, while card issuance remains an optional step.

Does the wallet name have to match the employee’s name?

No. The wallet name does not have to match the employee’s name.
Choose a clear wallet name that helps you identify the wallet easily. This name is also visible to the employee when accessing the delegated business wallet, so it should be easy to recognize.

Can one wallet have more than one business card?

No. One wallet can have only one business card.

Can one employee have more than one business card?

Yes. One employee can have multiple business cards. Each card must be issued from a separate wallet.

Need Help?

If you need help issuing your first business card, assigning it to an employee, or troubleshooting the invitation flow, contact our support team.

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