Once a business card has been issued, both the company owner and the assigned employee can manage it — each in their own Kolo interface.
Company owners manage business cards in Kolo Business (B2B).
Employees manage their assigned business cards in Kolo Personal (B2C). Employees (cardholders) can manage only the business card assigned to them and use the card for payments.
Who Can Do What
Action | Company Owner (Kolo Business) | Employee / Cardholder (Kolo Personal) |
Make top-up | ✅ | ✅ |
Make withdrawal | ✅ | ✅ |
Share wallet | ✅ | ❌ |
Share card | ✅ | ❌ |
View card details | ✅ | ✅ |
View card transactions | ✅ | ✅ |
Make transactions | ✅ | ✅ |
Freeze / unfreeze card | ✅ | ✅ |
Add card to Apple Pay / Google Pay | ✅ | ✅ |
Terminate card | ✅ | ✅ |
Issue new cards | ✅ | ❌ |
Manage wallet access | ✅ | ❌ |
Business Card Statuses
Status | Description |
Active | Card can be used for payments |
Frozen | Payments are temporarily blocked |
Terminated | Card is permanently disabled |
What Happens If Wallet Access Is Removed
Business cards are linked to a delegated business wallet. If the company admin removes a user’s access to the wallet:
the user immediately loses access to the business card
the card no longer appears in the user interface
the card remains active in the system until it is terminated
Admins should terminate cards that are no longer needed.
2FA for Business Card Security
If two-factor authentication (2FA) is enabled in the user’s account, additional verification may be required for sensitive card-related actions, such as:
viewing full card details
confirming sensitive card actions
This helps protect business cards from unauthorized access.
FAQ
What should I do if an employee leaves the company?
What should I do if an employee leaves the company?
Remove the employee’s access to the delegated business wallet and close the business card (recommended).
Why can’t an employee see their business card?
Why can’t an employee see their business card?
This may happen if:
their access to the delegated wallet was removed
the card was terminated
the employee signed in with a different email address than the one used during card issuance
What happens if the wrong email was used when issuing a card?
What happens if the wrong email was used when issuing a card?
If the wrong email was entered:
Terminate the card.
Issue a new card with the correct email address.
Can I top up a business card using Revolut or Wise?
Can I top up a business card using Revolut or Wise?
Direct top-ups from any services are not currently supported. To fund a business card, deposit funds into your company wallet using supported funding methods.
What happens if a business card is deleted and there is a remaining balance?
What happens if a business card is deleted and there is a remaining balance?
Terminating a business card does not remove funds from the business wallet. Any remaining funds stay in the company wallet and can still be used by the business.
How can I fund an employee's business card?
How can I fund an employee's business card?
Business cards are funded through the company wallet. You can fund employee spending in two ways:
Internal transfer — transfer funds from the company's main wallet to the employee's wallet.
Direct deposit — each wallet has its own deposit address for every supported cryptocurrency. Send funds directly to that wallet.
Once it is funded, the employee can use the business card linked to it.
Need Help?
If you need help managing business cards, updating employee access, or resolving card issues, contact Support.