Frequently Asked Questions

What is DiviPay?

DiviPay is an expense management and virtual card issuance platform that helps businesses control their spending and automate their expense reporting. Managers create budgets and set a desired level of control by either allocating team members a pool of funds or requiring approval for every expense. Each member of the budget is instantly issued a virtual card that can be used for both online or in-store payments. Payments are automatically categorized and reconciled via a direct integration into your preferred accounting software. This simple approval process and instant virtual card issuance eliminates the need for credit card sharing, reimbursements and expense reporting.

How does the DiviPay virtual card work?

Virtual cards work the same way as a physical plastic card, the only difference is that the virtual card sits on your mobile phone rather than in your wallet. The DiviPay virtual Mastercard is a reloadable prepaid card that can be used anywhere online or in-store that Mastercard is accepted. To use your DiviPay cards you need to first have funds available in your DiviPay account.

How do I load funds into my DiviPay account?

If your bank is NPP (New Payments Platform) enabled, your transfers will be almost immediate, otherwise, any funds transferred into your account balance before 4pm will settle on the same day.

Direct debited funds will take between 3-5 working days to settle in your account balance.

How do I make a payment in-store using my virtual card?

The DiviPay virtual card loads directly into your mobile wallet. To make a payment in-store simply tap your mobile phone on the credit card reader, like you would with your normal tap and pay physical card.

How do I make a payment online using my virtual card?

Buying things online with a DiviPay virtual card works the same as your usual bank card. From the DiviPay app simply click the virtual card to reveal the card details and then copy and paste your Card Number, Expiry Data and CVC at the check-out page.

How do refunds work if I return a product or service I bought using DiviPay? How long do they take?

If a merchant issues a refund, it will be refunded back to the DiviPay virtual card that you made the payment from. Refunds are dependent on a number of parties (including the merchant), so it can take several business days for a refund to appear on your card.

What billing name and address should I enter when making online purchases?

When making an online purchase, you should enter your full name as the cardholder.

How do I load funds in another currency?

All funds are currently loaded onto your card in AUD. Transactions made in a currency other than Australian Dollars will be subject to the prevailing Acquirer exchange rate at the time, plus a 2.99% foreign transaction fee.

What countries are you available in?

We are currently only available to Australian businesses that have a valid ABN or ACN. However, your employees can use their DiviPay virtual cards anywhere in the world where Mastercard is accepted.

Do I select debit or credit card when making a purchase?

When prompted please select credit.

My transaction was declined, what happened?

In the instance that your transaction was declined please check that:

  • There are sufficient funds on your virtual card to cover the purchase amount.
  • You are selecting credit as your payment method.

If your card is still not working after checking the above please contact DiviPay customer service at [email protected]

I wish to dispute a transaction, what do I do?

We recommend always trying to resolve the issue with the merchant prior to issuing a chargeback - merchants would almost always prefer to resolve the issue without a chargeback. In the event that you have tried to contact the merchant and have been unable to reach a resolution, you can dispute the transaction by contacting us at [email protected] We will act on your behalf and conduct the chargeback.

How do I know DiviPay is secure?

DiviPay takes security very seriously. Our virtual cards are supported by Mastercard's security processes and all virtual card information is stored with our PCI-DSS level 1 compliant payment providers. To keep your personal information safe we use 256 bit encryption and store it within highly secure AWS data centres located within Australia.

Will DiviPay work with our accounting software?

Yes, DiviPay works with most accounting systems. We currently have direct integrations into Xero, MYOB and Quickbooks and will be adding a range of new accounting integrations shortly. Let us know which accounting integration you would like to see next by emailing us at [email protected] If your accounting system does not yet have a direct integration you can download your DiviPay transaction history as a CSV to upload into your accounting software.

Does DiviPay replace my corporate card program?

Yes, the DiviPay virtual card will replace your corporate card program. With DiviPay you can control your spending before it happens. Create budgets, allocate funds, make payments and automate reporting with DiviPay’s simple expense management platform.

How does DiviPay help me control my team's spending?

With DiviPay you can program your expense policy directly into your team’s virtual cards. You can customise spending rules per budget and lock cards to specific merchants, spending categories and amounts.

Do I still need to do expense reporting with DiviPay?

DiviPay works to automate your expense reporting. Once a payment is made from a pre- approved budget simply upload a photo of your receipt using the DiviPay mobile app. We will then use the transaction data to categorise your expense and capture the information needed to comply with your tax obligations. Transactions are then directly reconciled into your preferred accounting software.

Do I need to approve every transaction?

No, DiviPay allows for a flexible level of control. When creating a budget you can allocate a pre-approved pool of funds to team members for them to spend from. However, if you’d like to approve every expense this can be done by simply clicking ‘approve every expense’ when creating a budget.

Does every team member get their own virtual card?

Yes, team members will get a unique virtual card for every budget they are a part of.

How long does it take for funds to become available on my virtual card?

Funds allocated from a budget will be made immediately available on every team member's virtual card. In order to allocate funds you must first have a sufficient DiviPay company balance.