The liable card owner
In the card settings of a Spend Cloud Card, you can set a responsible card owner. To do this, navigate to Application Management / Cash & Card / Card Management and edit the Spend Cloud Card by clicking on the pencil icon. At the bottom, you will find the field 'Liable Card Owner':
Through the card settings, an employee with a role in the same organizational unit can be selected as the responsible card owner. With this function, the selected employee gains the ability to see an option in the app to link a device to the card for confirming online payments, and also to link your card to Apple Pay and/or Google Pay. The responsible card owner can perform certain actions on the card based on their rights, such as viewing and changing the PIN code or temporarily blocking the card. Previously, you also had to be the cardholder for this, but that is no longer necessary. When the card manager (formerly cardholder) role is enabled in the additional authorizations, you will have access to all card details of the cards linked to your accounts.
Why is it important to appoint a liable card owner?
It is important to designate a liable card owner for each Spend Cloud Card for three reasons:
1.) Only the liable card owner can confirm online payments via the Spend Cloud App. This is a mandatory component that must be activated by the liable card owner to make online payments.
2.) Only the liable card owner can add the card to their wallet to pay with Apple Pay / Google Pay. Without a liable card owner, the card cannot be used for payment via Apple Pay / Google Pay.
3.) By setting a responsible card owner, you can keep track of who is ultimately responsible for the card and the payments made with it.
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