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 funding process for your CashFlow+ Card is similar to how your customers already pay you. Begin by logging into the C2FO platform and select the invoices you would like to accelerate payment on. Then, your customers will pay invoices early and directly to your bank account, minus the discount. But don’t worry, C2FO will refund the discount offered and the full invoice amount will be available on your CashFlow+ card. Simply click “Approve” on either the email we send or in the portal then the funds will be loaded onto your card. Explainer Video

The current maximum you can load on the CashFlow+ Card at any one time 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.

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 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. Cash back will be applied to your account once the transaction posts.

You can redeem the cash back in the card management portal. You can redeem the full cash back balance at any time you wish, so long as you have at least $25 in cash back earned.

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, so long as you have at least $25 in cash back earned.

Customer Service can be reached at 1-833-988-2462. Customer Service is open 24 hours a day, 7 days a week.

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.