LMS allows you to add cards to individual accounts. This article will go over everything you need to have ready before adding a card and the steps to follow in the software. 

Prerequisites

Before you create a card on an individual account, you'll need to have a few things set up:

1. A linked Secure Payments account - Cards are saved in Secure Payments. If that account is set up, then you don't need to log into Secure Payments directly; you can add and manage cards from within LMS.
2. A card program - You'll need a program that's set up to a card issuer.
3. An account linked to a borrower - You can set up a borrower when you create the line of credit account, or at another time and then link them later.

With those pieces in place, you're ready to create a card for that borrower.

Add a card

To begin, open an account and click on the ‘Cards’ tab. Here, you'll see a list of the cards you've already added to the account.

Clicking the black ‘Add’ button will open the five steps you must follow to add a card. 

1. Customer - The first page shows all the customers who are linked to the account. Select the customer you'd like to add the card to, then click ‘Next’.
2. Program - This page shows a list of all your active card programs and their issuers. Select a program, then click ‘Next’.
3. Settings - Edit settings from the card program defaults. To make any edits, you'll first need to click the ‘Override Program Defaults’ switch. Once you've made any edits, click ‘Next’.
4. Billing address - Enter the billing address that will be associated with the card. The system will automatically pull in the address information that was saved for the borrower you selected. Make any necessary edits, then click ‘Next’.
5. Summary - This page will show a summary of the card you're about to create. Review the information, and click ‘Finish’ to create the card.

Managing Existing Cards

Once a card has been created, you have several tools to manage it.

Near the top of the page are three buttons that you can quickly use to handle major card issues:

• Freeze - Temporarily freezes the card.
• Stolen - Deactivates and replaces the card. The replacement will have a new card number, CVV, and expiration date.
• Lost - Reissue the card. They'll keep the same number, but get a new CVV and expiration date.

If you click the 'Manage Card' button, you'll see these options:

Below the card are three tabs that show specific information about the card: