Brink’s Business Expense is a Commercial Debit Mastercard, which you can use at any establishment that accepts Mastercard. Brink’s Business Expense is a credit card alternative that you can swipe as a credit card. If a merchant asks “credit or debit?” it’s ok to say credit, and because it is a business debit card there’s no credit risk since the card is funded with cash from your bank account. Brink’s Business Expense does not extend credit and is not a credit card.
After you sign up, you connect your bank account and safely transfer funds into your Brink’s Business Expense account. Your very first card is in the business owner and company’s name, and mailed to the business owner immediately after signing up. All of your Brink’s Business Expense cards use the same account, so you can easily distribute funds to your cards. The business owner or account admins (unlimited number) can set spending controls for each card, and create additional cards at any time by logging into Brink’s Business Expense. Any newly created card will be mailed to the business owner immediately. The business owner must activate all cards before giving them to employees.
Yes. Brink’s Business Expense uses 256-bit Secure Socket Layer (SSL) encryption to ensure your personal data is protected. Your personal information is stored in highly secure data centers, which utilize state-of-the art electronic surveillance and multi-factor access control systems. All funds held within Brink’s Business Expense are FDIC insured up to a balance of $250,000 through The Bancorp Bank; Member FDIC.
Signing up for Brink’s Business Expense is easy and only takes about three minutes. Currently, you can sign up only online at https://app.brinksbusiness.com/signup. Provide some basic business and personal information and you may be instantly approved (upon successful ID verification). Then link your bank account (checking or savings) for easy fund transfer to Brink’s Business Expense. Here is the timeline for each of these actions:
Yes. Currently, Brink’s Business Expense can only transfer funds from an existing, verified checking or savings bank account.Brink’s Business Expense is not a traditional bank account; there is no account number or routing number. Any funds held in your Brink’s Business Expense account are FDIC insured up to a balance of $250,000 through The Bancorp Bank; Member FDIC.
No. Brink’s Business Expense is designed to allow business owners to control company expenses and support employee spending, not support disbursements to employees. Additionally, Brink’s Business Expense does not support direct deposits. Only the business owner can deposit money into Brink’s Business Expense from their external bank account via banking industry standard ACH transfer.
Brink’s Business Expense is free to use for the first 60 days * (up to 20 Cards or Admins), starting from the day your application is approved. We’ll notify you when the end of your 60-day free trial is approaching, and you can remove Cards or Admins at any time. No surprises. No risk. No long-term commitment.
After your 60-day free trial, you will be charged a monthly fee to use Brink’s Business Expense. We have four monthly plans to suit your business needs: Starter (free), Team, Professional and Enterprise.
Up to 2 cards
Up to 10 Cards or Admins
Up to 25 Cards or Admins
Unlimited Cards or Admins
Each new Card OR Admin you add to the account will count toward your monthly subscription plan.
Spending more than $20,000/month? Call us to learn how you can get Brink’s Business Expense for your team for free today at 804-289-9579 or email us at firstname.lastname@example.org
Most customers only need to pay a monthly fee while using Brink’s Business Expense.
* Other Fees: Free trial and monthly plan pricing do not cover fees based on certain account activities. Here is a list of possible card fees (learn more):
Using your Brink’s Business Expense card as a reloadable gas card has numerous benefits over traditional commercial gas cards:
Because gas stations can put a “pre-authorization” hold of up to $100 when you first swipe your card (this applies to all credit card and debit card transactions and is not unique to Brink’s), it is always best to have at least $200 accessible by each card that will be used to purchase gas even if you need to buy less gas than that.
The total number of Admins and Cards you have at the end of the free trial will determine what plan you will be billed for the first month following the trial. You can change your plan at any time by contacting customer support. Note that if you want to downgrade to a lower plan, you may need to delete some Admins or Cards from your account.
After your free trial ends, billing will occur on the same day of the month that you signed up for Brink’s, for the upcoming 30-day period (Example: If you signed up on the 5th, then your billing day will be the 5th of each month). It’s important to note that Brink’s Business Expense will charge you from the same cash balance that you use to fund your Brink’s Business Expense cards—so there’s no need to pay with a separate credit card, check, or wire transfer.
Brink’s Business Expense will notify you before we bill you each month, and send a confirmation after we successfully bill you. You can always log in to your Brink’s Business Expense account to view your billing history, and see your current plan.
Brink’s Business Expense pre-bills for the complete upcoming month of service. There are no pro-rated billing options and Brink’s Business Expense is unable to refund for partial months if you downgrade at any time during the month. Billing is calculated by adding the number of Cards and Admins in your Brink’s Business Expense account. Here are the different plans:
You simply use your Brink’s Business Expense card at any location where Mastercard is accepted. Any Brink’s Business Expense card can have a PIN created by having the business owner dial the number on the back of the Brink’s Business Expense card, but only the business owner can withdraw funds via an ATM. If the card has a PIN created, it can be used as a debit card, as well as a credit card. There are three ways to use your Brink’s Business Expense card:
Most businesses, on average, order 5 Brink’s Business Expense cards to better control spending. More Brink’s Business Expense cards = More control over spending. Remember, you can order up to 20 cards during your 60-day trial. Here are a few uses for cards that our most successful customers order:
Yes. We want you to fully experience the power and control over spending that Brink’s Business Expense offers, so you can have up to 20 Cards and/or Admins at no cost during the 60-day free trial (note that a Card and an Admin count equally). We’ll notify you before your 60-day trial ends, and at any time you can login to Brink’s Business Expense and remove Cards or Admins. Once you pass the 60-day trial, you can simply continue using Brink’s Business Expense at your current number of Admins and Cards, and be charged a monthly subscription free according to our pricing plan.
Yes. Because Brink’s Business Expense is a debit card product, credit is not extended to your company and we do not run a credit check during the application process. If you are a legitimate, verifiable business then you can qualify for Brink’s.
Brink’s Business Expense works to qualify every verifiable business owner and business. As required by our banking partners and in support of the USA PATRIOT Act*, Brink’s Business Expense must verify that every Brink’s Business Expense applicant is a qualified individual (not a criminal or on the US government terrorist watch list) and a verifiable business. If you believe that you satisfy both of these requirements, here are some steps that you can take to validate that you are a legitimate business:
(1) . File your proper business paperwork with your city/county/state for your business entity, and have the following documentation ready:
(2) . Establish a formal business location and provide proof of residence/physical presence at said location (utility bill, executed lease, bank statement, etc.). Once you can document that you are a verifiable business, please apply for Brink’s Business Expense again or contact email@example.com.
* IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.
Brink’s Business Expense is currently available only in the United States.
If you need the funds in your Brink’s Business Expense account to use elsewhere, the easiest way is to have the business owner withdraw funds at any ATM once they create a PIN. If you need to withdraw more than your daily ATM withdrawal limit ($500/day), or if you decide you need to cancel your Brink’s Business Expense account, simply send an email to firstname.lastname@example.org. While we would hate to see you go, we understand that sometimes things happen. It’s your money, so there are no penalties, fees or surcharges for closing your account. As part of account closure, we will return any remaining available funds in your account back into your linked bank account via ACH transfer. However, in the event we are unable to do that, we will return your funds via check and apply a Refund Check Fee of $15 per check. The account cancellation process generally takes 8-10 business days.