Why You Are Receiving a
Card by Mail Payment

To eliminate the cost and risk associated with sending checks in the mail, your customer is replacing printed checks with virtual cards. This industry-leading secure payment method offers several advantages.

What's next?

Enhanced Security Features

At the core of Card by Mail's revolutionary approach is its unparalleled security:

Zero Liability for Fraud - Card by Mail provides full protection for both buyers and suppliers against fraudulent activities, fostering confidence and trust in the payment process.

Merchant Verification - Unlike traditional paper checks, Card by Mail requires the recipient to process the payment through a vetted merchant terminal, adding an extra layer of security.

Trackable Transactions - Every Card by Mail transaction can be tracked and monitored by the issuer, acquirer, and card networks. This capability enables the swift identification and prevention of fraudulent activities.

Streamlined Payment Processes

Beyond its robust security features, Card by Mail enhances operational efficiency by streamlining payment processes:

Automated Reconciliation - Card by Mail integrates seamlessly with existing accounting systems to automate reconciliation, thereby reducing manual errors and improving accuracy.

Faster Payment Cycles - Payments are processed quickly through Card by Mail, improving cash flow and strengthening supplier relationships.

Reduced Administrative Costs - Card by Mail eliminates the need for manual check processing, significantly reducing administrative overhead and associated costs.

A person entering a credit card into a laptop

What Would You Like To Do?

How to process your Card by Mail payment?

Process your Card by Mail virtual card the same way you process other credit card payments using your existing merchant terminal solution.

You can download the Card by Mail processing directions, or follow these steps:

Enter the 16-digit account number into your merchant terminal.
Enter the exact payment amount as it appears on your remittance letter.
Enter the card verification code (CVC) and expiration date.
If requested, enter ZIP Code 32751.

Make sure to process the full specified payment amount on the card within 30 days.

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How do I get my payments sooner?

You can get payments up to 10 days sooner by upgrading to a virtual card. Click this link and follow these steps:

Upgrade to a virtual card through the self-service link included on the remittance. You will need to:
- Enter the code provided on the remittance that uniquely identifies you.
- Provide your name and the email address where to send future remittances.
- Acknowledge your information and submit.

You will then receive an email from Finexio confirming:

Any in-transit Card by Mail payments will be canceled, and a new email payment will be sent as a replacement.
All future payments will be emailed.

I received a Card by Mail, but I am unable to accept it and would like to opt-out.

Opt-Out of Card by Mail

Here are several reasons why you may choose to opt out of Card by Mail:

Your organization mandates an additional surcharge, convenience, or administrative fee when processing credit cards.
Your organization cannot process credit cards.
You are not allowed to process credit cards for the full amount that is on the remittance, or your company has a policy against accepting card payments

Completing the Opt-Out Process

Choosing to opt out of Card by Mail is not a problem. To complete the opt-out process, click this link and follow these steps:

Enter the code provided on the remittance that uniquely identifies you.
Provide your name and title, and let us know why you are opting out.
Acknowledge your information and submit.

You will receive a confirmation email once the opt-out process is complete. If we have sent you any other virtual cards in the mail, they will be canceled. Finexio will reissue all outstanding payments as a printed check. Please allow up to 14 days to receive the replacement check.

If you have processed a virtual card and later decide that you want to opt-out, you will need to request assistance from our support team. The Finexio support team can help you with issues related to our self-service websites for upgrading or opting out and with any issue related to processing a payment. To open a ticket with the support team, click here.

Where do I go for support?

If you have received a payment issued through the Card by Mail program and have a question related to your payment, you can reach out to Finexio Support with the subject and details of your question. Make sure to include:

Your invoice number(s)
Corresponding invoice amount(s),
The name of the customer from whom you received a payment so we can better assist you.

This information can be found on your Card by Mail remittance mailer.

Receive Payments Sooner with a Virtual Card

Benefits of a Virtual Card

Receive your payments up to 10 days sooner if you upgrade to a virtual card.

Eliminate the delays associated with receiving checks in the mail.

When you upgrade to our virtual card payment, you will receive remittance and payment details via email.

Reliably receive payments in your inbox.

Faster processing times.

Eliminate the chance your payment will get lost in the mail.

Additional Questions

Do I need to process the full amount for each virtual card payment?

Yes, you will need to process the full specified payment amount shown on your remittance letter within 30 days. There are no partial payments allowed.

Are there fees associated with the Card by Mail program?

Finexio and the Buyer assess no fees with Card by Mail; however, please be aware of the following:

Virtual card transactions are subject to the terms and conditions, including fees, agreed between you and your card service processor.
You are responsible for any charges and related third-party fees, including interchange, merchant discount, or other card processing fees that may be imposed at the time of payment.
Finexio will not assume any responsibility for surcharges, convenience, or administrative fees relating to your acceptance and processing of virtual card payments.

Always be sure to review and understand your merchant provider terms to stay informed about potential associated fees.

Our organization requires us to add a fee for this payment type. What should I do?

If your organization mandates an additional surcharge, convenience, or administrative fee for virtual card payment types, and your current merchant terminal does not support this requirement, please follow the instructions on your remittance letter to opt out of the program. Once opted out of the Card by Mail program, your future payments will be sent as checks.

I received a Card by Mail payment notification in the mail, and I have no way to process the virtual card on my end. What should I do?

If you don't currently possess a merchant terminal for processing card payments, please follow the opt-out instructions above. You can use the link above along with the unique code provided on your payment mailer. If you are having trouble, please reach out to Finexio Support and enter ‘Help Opting Out’ in the subject line. Make sure to include your invoice number(s), corresponding invoice amount(s), and the name of the customer from whom you received a payment.

I received a Card by Mail payment, but the virtual card number has expired. What should I do?

Virtual card payments automatically expire within 30 days for security. If your card has expired, we will need to reissue your payment. In order for us to reissue your payment, please reach out to Finexio Support and enter ‘Expired Card’ in the subject line. Make sure to include your invoice number(s), corresponding invoice amount(s), and the name of the customer from whom you received a payment.

For reconciliation purposes, I need additional customer account information to apply for this card payment. What should I do?

If you require additional customer account information to apply for a Card by Mail payment, please contact our dedicated Customer Operations team via Finexio Support and enter ‘Additional Information Needed’ in the subject line. Make sure to include your invoice number(s), corresponding invoice amount(s), and the name of the customer from whom you received a payment.

In the event these details are needed on an ongoing basis to process transactions in the future, we will coordinate with your customer to ensure additional details are provided with future Card by Mail payments to speed reconciliation.

I never received my payment. What should I do?

If you haven’t received your Card by Mail payment within 10 business days, please reach out to Finexio Support and put ‘Payment Not Received’ in the subject line. Make sure to include your invoice number(s), corresponding invoice amount(s), and the name of the customer from whom you are expecting payment. Providing this information will enable our team to locate your payment details and facilitate a reissue of payment to ensure your secure receipt of funds.

I've misplaced my Card by Mail remittance letter. How do I receive a new one?

If you've misplaced or lost the virtual card number that was provided on a Card by Mail remittance letter sent to you, please reach out to Finexio Support and enter ‘Lost Remittance Letter’ in the subject line. A new Card by Mail remittance letter with a reissued virtual card number will be sent to you.

Our primary location for payment remittance is changing. How do I go about changing the address?

If you are in the process of moving locations and need to update your remittance address, please reach out to Finexio Support and enter ‘Change of Address’ in the subject line. Our team will ensure a seamless transition of payments to your new address.

Where to Go for Support

If you have received a payment issued through the Card by Mail program and have a question related to your payment that is not answered in the FAQs above, you can reach out to Finexio Support with the subject and details of your question.

Finexio Support