What’s the difference between my physical and virtual cards?

All Found account holders are issued a virtual card when the account is opened, allowing you to start spending with your Found account as soon as it has been funded. You can add your virtual card to a digital wallet, like Apple Pay or Google Pay, to make in-person purchases—just like you would with a physical debit card.

You may also opt to request a physical debit card. Your physical card can also be used for in-person and online purchases, and can be used wherever Mastercard is accepted. You can expect your physical card to be delivered 5 to 10 business days after being ordered.

Need additional cards? You can create multiple virtual cards, which have different card information, and share those cards with trusted employees or use them yourself.

Why do I need both cards?

Found business debit cards are issued by Piermont Bank pursuant to a license from  Mastercard Inc, and are accepted with any merchants that allow Mastercard payments.

Your virtual card is available in your account as soon as it has been opened, and is useful for making online purchases and in-person purchases via virtual wallets like Apple Pay and Google Pay.

If you often make purchases at merchants that do not accept mobile wallet payments or need to withdraw funds from ATMs, you will likely want to request a physical debit card as well. Otherwise, your virtual card is a convenient and secure way to spend with your Found account.

Additionally, keep in mind that in both cases card purchases are made from funds in your Primary pocket.