How do Oobit Business cards work?
Owners and Admins issue virtual Visa cards to team members from the dashboard. Each card is funded by your company balance and can be used at any merchant that accepts Visa.
A new card shows as Pending and becomes Active once it's ready.
You set a spending limit for each card, and choose whether it resets daily, weekly, monthly or yearly.
Pending payments count toward the limit straight away. Once the limit is reached, further payments are declined.
Admins can freeze or cancel a card at any time. Removing a team member cancels their card.
Cards can only be issued after your company's KYB is approved.
What does it cost to use a card?
Each card payment has a 1% fee, minimum $0.25, taken from your company balance. Declined purchases don't have a fee.
Do I need a personal guarantee?
No. Cards are funded by your own company balance rather than a credit line, so no personal guarantee is required.
Will Oobit affect my personal credit score?
No. Oobit Business isn't a credit product and doesn't run personal credit checks.
Can I issue cards to automated tools or AI agents?
Agent cards are in beta and not yet available to every company. Each agent gets its own card and API key, with a spending policy you control. If you don't set one, the defaults are $500 per transaction and $2,000 per day.
How many cards can I issue?
Starter plans include a limited number of active cards. Oobit Plus includes unlimited card issuance.