Creating a Card Account

If the functionality is enabled, you can create a card account using an existing account as a template. This way, you can duplicate account settings, limits, and Merchant Category Code Groups (MCCGs), and make adjustments as necessary. The account template saves time on data entry and promotes standardized card configuration. An account in Purged status cannot be used as a template to create a new account.

A new account is automatically set to expire 36 months after it is created. The account’s expiration date is shown on the card details but cannot be changed.

When you create a card account, you can define settings based on an existing employee profile. For more information about configuring an employee in PaymentNet, see Creating an Employee.

If your organization uses the Online Account Registration feature, cardholders can register for PaymentNet access themselves. The account registration process creates an employee profile for the cardholder in PaymentNet with standard Card Holder access privileges. You must create a card account, but not an employee account, before a cardholder can register online.

Note:If account requests are submitted after business hours, there is a chance the requests will not be processed immediately. This is due to regular maintenance performed by J.P. Morgan partners on their own systems. In this case, it may be up to 24 hours before the account request is updated with an error message, as the system will automatically re-attempt the submission after the maintenance window has been cleared. Please allow up to 24 hours for the Account Request list to update completely before seeking additional assistance.

To create a card account:

Select Accounts > Manage and click the account you want to use as a template. Or, while viewing other information about an account, select Take me to > Account Detail to use the current account as a template.
Click Create New Account. PaymentNet automatically enters the template data in the displayed fields.
If you need to change the inherited hierarchy ID, enter a new ID in the Hierarchy ID field, or click the link and select a new node from the hierarchy tree.
From the Account Holder Type list, select Individual if the card is for an individual or select Department if the card is for a company group or department.
From the Type of Employee list, select one of the following employee types:

New Employee

If the card account is for a new employee who is not currently a PaymentNet user, you can create an account and a new employee profile at the same time. Select this option and enter a unique user ID in the User ID field. The user ID must be between 6 and 20 alphanumeric characters long; no spaces or special characters are allowed.

To automatically generate a temporary password for the user, select Generate Login Information (the user will be prompted to change the password when logging in for the first time).

Note:Selecting this option will also assign to the new user the same user ID and hierarchy ID associated with their account, as well as the Card Holder role and a Self scope of view.

Existing Employee

If the card account is for a current PaymentNet user, you can issue a card to without creating a new user ID for the employee. Select this option and enter the employee’s user ID in the User ID field. You must correctly enter the user ID to ensure the account is assigned to the correct cardholder.

Same Employee

If the card account is for the same employee who is associated with the account template, select this option. The User ID field is automatically completed based on the template account, and the General Information fields are automatically filled out with the employee information.

No Employee

If the card account is for a cardholder who will not be logging in to PaymentNet, and therefore will not need a user ID, select this option.
If the account is for an individual, complete the Account Holder Information fields. For a list of these fields, see Account Holder Information Fields.
Complete the Account Security fields. For a list of these fields, see Account Security Fields.
Complete the Name as It Will Appear on Card fields. For a list of these fields, see Name as It Will Appear on Card Fields.
Complete the Contact Information fields. For a list of these fields, see Contact Information Fields.
Complete the Addresses fields. For a list of these fields, see Address Fields.
In the Notes field, enter additional information as needed (maximum of 2,000 characters).
Complete the Transaction Defaults fields. To assign default accounting codes to the account, click Edit and select a chart of accounts from the Chart Name list. Then select or enter the segment values using the drop-down lists or text boxes that display. If applicable, select or enter values for any Custom Fields.
Click Continue.
When the Application Acknowledgement window displays, select the check box and click Continue to indicate that you have read and accept the Acknowledgement.
Complete the fields that display on the Controls tab. For a list of these fields, see Controls Fields.
Click Continue.
To set permanent limits on the MCC Groups from which the cardholder can make purchases, complete the fields that display on the MCC Group Controls tab. For a list of these fields, see Merchant Category Code Group Controls Fields.
To set temporary spending limits at the account or MCCG level, complete the fields that display on the Temporary Controls tab. For more information, see Applying Temporary Spending Limits.
If rush card delivery is available, select Rush Card Delivery Information if you need to expedite delivery of the card. For more information, see Managing a Rush Card Delivery.
Click Save.

Note: To validate account creation, go to the Account List screen and perform a Quick Query for the name of the account holder. If the Account Request Status column shows Pending, the account was created successfully. If the status shows Failed or Partial Complete, refer to the Account Request List screen to view and resolve the issues. See Working with Account Requests for more information. If you need to add this column to the display, see Customizing Your Screen View.

Account Holder Information Fields
Field	Description
Full First Name	Enter the account holder’s complete first name (maximum of 23 characters). This field is required when you create an Individual account.
Last Name	Enter the account holder’s complete last name (maximum of 23 characters). This field is required when you create an Individual account.
Date of Birth	Enter the account holder’s birth date in the mm/dd/yyyy format. This field is required when you create a new Individual account.
Employee ID	Enter the account holder’s Employee ID.
Card Delivery Site	If the card is to be sent to a delivery site, select the site code from this list; otherwise, select None. The delivery options in this list are set up as Site IDs at the processor and define where the card is sent. For more information, see Managing Card Delivery Site Codes.

Account Security Fields
Field	Description
Length of Access Code 1	Specify the number of characters can be entered and stored in the Access Code 1 field, either 9 digits or 4 digits. Note: Users will only be required to enter the last 4 digits of this field for verification purposes, regardless of the number of characters stored.
Access Code 1	For a new account, enter a four- or nine-digit number associated with the cardholder (leading zeros are allowed). You can use this field for any identifying information you choose. This field is required and must contain a different value than Access Code 2.
Access Code 2	For a new account, enter a four-character alphanumeric code associated with the cardholder (leading zeros are allowed). You can use this field for any identifying information you choose. This field is required and must contain a different value than Access Code 1.

Name as It Will Appear on Card Fields
Field	Description
Same as Account Holder Information	If you are creating an Individual account, this check box is selected by default. When this option is selected, the values specified in the Account Holder Information area for Full First Name and Last Name are duplicated in the First Name on Card and Last Name on Card fields.
First Name on Card	Enter the account holder’s first name the way it should display on the card. Note: The combined number of characters in the First Name on Card, Middle Initial, and Last Name on Card fields should not exceed 21 characters (including spaces). Although PaymentNet does not prevent you from exceeding this limit, the name may not fit properly on the card and the card request may be rejected if you do.
Middle Initial	If applicable, enter the account holder’s middle initial.
Last Name on Card	Enter the account holder’s last name the way it should display on the card.
Second Line to Appear on Card	If applicable, enter up to 21 (for MasterCard) or 19 (for Visa) alphanumeric characters that you want to display on the second row of the credit card. This could be, for example, a department name or business unit name that would appear below the cardholder name.

Contact Information Fields
Field	Description
Business E-mail Address	Enter the account holder’s email address, making sure to format it properly. This field is required only when you create a new employee and a new account at the same time. When you create an account for a new employee, the email address you enter here also displays on the My Profile screen for the employee. For more information about the My Profile screen, see Your Profile. If you later update the email address on the account, the changes may not be reflected in the employee’s profile. The synchronization of account and employee email addresses is controlled by a configuration setting for the hierarchy. For more information, see Enabling Modules. Note: If you enter an incorrectly formatted email address, no error occurs when you save the account details in PaymentNet, but the account request will fail when it is submitted to the processor.
Business Phone Number	Enter the account holder’s business phone number.
Mobile Phone Number	Enter the account holder’s mobile phone number.

Address Fields
Field	Description
Country	Select the account holder’s country.
Street Address	Enter the first line of the account holder’s address (maximum of 36 characters). Use alphanumeric characters and avoid entering special characters (such as commas or periods) or an error may occur. Puerto Rico addresses often include an urbanization code and/or other distinctive elements. Best practice is to verify the address using the U.S. Postal Service website at http://www.usps.com.
Street Address Line 2	Enter the second line of the account holder’s address (for example, Attention, department, company name, suite, or floor), up to a maximum of 36 characters. Use alphanumeric characters and avoid entering special characters (such as commas or periods) or an error may occur. This field is optional.
City	Enter the account holder’s city. If the account has a Canadian address, you can enter up to nine characters in this field. Note: This field may only contain alphanumeric characters. Special characters are not permitted.
State/Province	Select the account holder’s state or province.
ZIP/Postal Code	Enter the account holder’s ZIP code or postal code. If the account has a Canadian address, you must verify the ZIP/Postal Code using the Canada Post website at http://www.canadapost.ca.
Same as Cardholder Address	Select this check box to automatically fill in the Home Address fields with the values in the Cardholder Address fields. If you do not select this option, you must fill out the Home Address fields separately.

Controls Fields
Field	Description
Cost Center	Enter the account holder’s cost center (maximum of 10-characters).
VIP	If the card account is VIP, select this check box. Note: This check box is for informational purposes only and can be used as a visual indication that the card account is VIP. Selecting this check box does not apply the VIP settings to the card account. VIP settings must be applied at the processor or by creating a new card account from an existing VIP card account.
International	If the cardholder address or home address is a non-U.S. or non-Canadian address, select this check box. Note: PaymentNet does not currently use this field.
Convenience Checks	If the Convenience Checks module is enabled for your organization, you can use this list to order new checks for the account holder or stop payment on a check. For more information, see Managing Convenience Checks.
Manage MCC Groups	To associate a Merchant Category Code Group (MCCG) with the card account, select an MCCG from the Group list and select an action from the Group Action list. To allow transactions with the MCC Group, select Include. The cardholder will be allowed to make purchases only from the MCC Groups that are set to Include. To prohibit transactions with the MCC Group, select Exclude. The cardholder will not be allowed to make purchases from any of the MCC Groups that are set to Exclude. Note: It is not advisable to combine include and exclude actions for MCC Groups on the same account. To allow or prohibit additional MCC Groups, click Add and specify the MCCG and the action. You can add up to nine MCC Groups to an account. To remove an MCC Group, click the corresponding Delete button.
Credit Limit	Enter the account holder’s credit limit. The credit limit cannot exceed the total spend limit set for the overall card program. Note: If you change the credit limit, you must re-enter the cash advance amount in the Cash Advance Limit field (up to $2500).
Cash Advance Limit	Enter the dollar amount (up to $2500) that you want to make available for cash advance. If the account holder requires a cash advance amount greater than $2500, contact your J.P. Morgan program coordinator or relationship manager to discuss your options. By default, the cash advance limit displayed in parentheses is the J.P. Morgan policy amount of $2500. If the cash advance limit set at the organization level is less than $2500, the organization limit is shown instead.
Refresh Period	Use these options to indicate when you want the Amount Limit and Transaction Limit for an account to be refreshed. Select Cycle to refresh these limits after each card billing cycle, or select Monthly to refresh these limits at the end of each calendar month. Note: These options do not apply to any of the other limits that can be specified at the account level. If neither an Amount Limit nor a Transaction Limit is specified, then the Refresh Period selection has no effect. As a best practice, if you need to apply an Amount Limit or a Transaction Limit to an account, you should select the Cycle option to align it with the refresh period for the cardholder’s credit limit.
Amount Limit $	Enter the limit for the amount per month or cycle.
Transaction Limit	Enter the limit for the number of transactions per month or cycle.
Daily Amount Limit $	Enter the daily card amount limit.
Daily Transaction Limit	Enter the daily card transaction limit.
Single Amount Limit $	Enter the single card amount limit (also known as the transaction single purchase limit).
Other Amount Limit $	Enter the other amount limit.
Other Transaction Limit	Enter the other transaction limit. You might have a specific transaction limit defined by your program.
Other Number of Days	Enter the duration, in days, for the Other Transaction Limit and Other Amount Limit $ values. For example, if you enter 300 in the Other Amount Limit $ field and 7 in the Other Number of Days field, then $300 are available every seven days.
Other Refresh Date	Specify the card limit refresh date. You can click the calendar icon and select the date, or you can enter the date manually, using the mm/dd/yyyy format.

Merchant Category Code Group Controls Fields
Field	Description
Group Name	Select the MCC Group for which you want to assign limits. To add another MCC Group, click Add MCC Group. You can add up to nine MCC Groups to an account. To remove an MCC Group, click the corresponding Delete button.
Action	Indicate how you want to account for transactions with the selected MCC Group. To allow transactions with the MCC Group, select Include. The cardholder will be allowed to make purchases only from the MCC Groups that are set to Include. To prohibit transactions with the MCC Group, select Exclude. The cardholder will not be allowed to make purchases from any of the MCC Groups that are set to Exclude. Note: It is not advisable to combine include and exclude actions for MCC Groups on the same account.
Refresh Period	Use these options to indicate when you want the Amount Limit and Transaction Limit for an MCCG to be refreshed. Select Cycle to refresh these limits after each card billing cycle, or select Monthly to refresh these limits at the end of each calendar month. Note: These options do not apply to any of the other limits that can be specified at the MCCG level. If neither an Amount Limit nor a Transaction Limit is specified, then the Refresh Period selection has no effect.
Amount Limit $	Enter the amount limit for the MCC Group.
Transaction Limit	Enter the transaction limit for the MCC Group.
Daily Amount Limit $	Enter the daily amount limit for the MCC Group.
Daily Transaction Limit	Enter the daily transaction limit for the MCC Group.
Single Amount Limit $	Enter the single amount limit for the MCC Group.
Other Amount Limit $	Enter the MCC Group amount limit for the Other interval period. This field is numeric and accepts a maximum of 14 characters; no spaces or commas are allowed. The specified value must be greater than zero. Use the Other Refresh Date and Other Number of Days fields to define the Other interval period.
Other Transaction Limit	Enter the MCC Group transaction limit for the Other interval period. This field is numeric and accepts a maximum of eight characters; no spaces or commas are allowed. Use the Other Refresh Date and Other Number of Days fields to define the Other interval period.
Other Number of Days	Enter the duration, in days, for the Other Transaction Limit and Other Amount Limit $ values. This field is numeric and accepts a maximum of three characters. The specified value must be greater than zero. For example, if you enter 300 in the Other Amount Limit field and 7 in the Other Number of Days field, then $300 are available every seven days for the selected MCC Group. This field is required if the Other Transaction Limit or Other Amount Limit field is used.
Other Refresh Date	This field determines when the schedule specified in the Other Number of Days field begins. You can click the calendar icon and select the date, or you can enter the date manually, using the mm/dd/yyyy format. This field is required if the Other Transaction Limit or Other Amount Limit field is used.