Every day, a percentage of your daily deposits are applied as a payment to any purchases made with your Payvus card. If you spend beyond the funds accumulated, you’ll automatically access your card’s credit line. If you spend less, your applied payments accumulate on your account for future spending.

If you spend less than the applied payments during a billing period, you won’t have to make a payment or pay interest. If you do access your credit line, you won’t be assessed interest if the outstanding balance is repaid by the due date.

Funds will be drawn from your bank account and applied as a payment to your Payvus card every day, starting the day you activate your card.

Payvus will monitor, via Plaid, the total daily deposits you receive into your bank account and will debit your bank account each business day in an amount equal to the designated percentage that you set for your card, applying this amount to your Payvus account as a payment.

Prior to debiting your bank account, Payvus will check the available balance and will not debit your bank account for the designated percentage if doing so will cause the remaining available balance to be less than $100. If your bank account has a zero or negative balance, your card will be blocked and you won’t be able to make purchases until the bank account has a positive balance. Payvus is not responsible for any overdrafts resulting from other payments authorized by you.

Your credit limit will be determined during the application process and ranges from $1,000 to $10,000. This credit is unsecured and requires no personal guarantee.

You’ll receive your Payvus Visa Business Card within 5 – 7 business days of the approval notification email.

If your linked business bank account has a positive balance, you may begin using your card as soon as you activate it.

You can make payments to your Payvus account through the Payvus portal (https://payvus.com) at any time or by calling the number on the back of your card.

You choose the percent that’s right for your business. If at any time you wish to change the percentage, log in to your Payvus account and select “Funding Preferences” from the left navigation panel.

Real-time balances are always available in the Payvus portal.

After 90 days of regular use, you’re welcome to contact the Payvus Support team for a review of your credit line by contacting them at support@payvus.com.