Which cards are billed
Your monthly fee is based on the number of card accounts that were open at any point during the billing month, not the number open on the day the fee is deducted.- Active, Blocked and Inactive cards are all considered Open and are billed
- A card closed during the month still counts for that month, because it was open for part of it
- A card opened during the month counts for that month, even if it was opened on the last day
- Closed cards stop counting from the first full month after they are closed
- Vendor cards do not count toward your card total and are free (see How to Create Vendor Cards)
FAQ
I'm on the Base plan with 5 cards. If I close all 5 at the start of the month and order 5 new cards a week later, am I billed for 5 cards or 10?
I'm on the Base plan with 5 cards. If I close all 5 at the start of the month and order 5 new cards a week later, am I billed for 5 cards or 10?
You are billed for 10 cards for that month. The 5 closed cards were open during part of the month, and the 5 new cards were also open during the month, so all 10 count. If your plan includes 5 cards, the 5 extra cards are billed at your plan’s per-card rate for that month only. The following month, only the 5 new cards count.To avoid the extra charge, close the old cards at the end of one month and order the new cards at the start of the next.
If I close all my cards, wait for billing to run, then order new cards, will I be billed $0 because I had no open cards when billing ran?
If I close all my cards, wait for billing to run, then order new cards, will I be billed $0 because I had no open cards when billing ran?
No. Billing looks at the previous calendar month, not the day the fee is deducted. The cards you closed were open during that month, so they are billed as usual. The new cards you order count toward the following month’s bill.A month is only billed at zero cards if no card accounts were open at any point during that entire calendar month.
Are fees prorated for cards opened or closed mid-month?
Are fees prorated for cards opened or closed mid-month?
No. Any card open for any part of the month counts as a full card for that month.
What if I had no cards open at all during the month?
What if I had no cards open at all during the month?
Your plan’s flat monthly fee still applies while your account is open and holds a balance. If your PEX account balance is $0 for that month, the fee is waived. To stop monthly fees entirely, see How to Close Your PEX Prepaid Account.
Other fees
The monthly plan fee is the only fee on the billing schedule below. Other fees are charged when the related activity happens and appear as separate line items under Transactions:- Card shipping - Priority, Expedited and Rushed shipping fees are charged when the card order is placed. See How to Order PEX Cards
- Outbound ACH transfers - transfers from your PEX business account to your bank incur a transfer fee. See How to Transfer Funds to Your External Bank Account
- Dormancy - Prepaid Expense accounts with 90 consecutive days of no card spend incur a monthly dormancy fee. See Dormancy fee
- International transactions - purchases outside the US incur the International Service Assessment (ISA) fee. See International Use of PEX Cards
- Disburse account fees - Disburse accounts may also be charged a one-time Enrollment Fee when the account is opened, a Card Issuance Fee for each new card and a Card Replacement Fee for each replacement card, per your account agreement
Where to find the terms for your product
The fees and billing rules that apply to your account are set by your program’s agreement, so check the documents for your product when you need the exact terms:- Pricing - the PEX pricing page lists current plan and fee amounts
- Program terms and cardholder agreements - the PEX legal page holds the terms of service, the cardholder agreement for each card program and the PEX Credit Expense Card Program Terms
- Rebates - rebate eligibility and rates are governed by the PEX rebate terms and conditions
- Your account agreement - custom pricing for Infinite and other negotiated plans is in the agreement you signed when your account was set up. If you can’t locate it, contact PEX Support from the Help menu in your Administrator account