Our Expense Management service gives businesses complete control over company spending. You can issue prepaid cards to employees, set custom spend limits, upload receipts, and track expenses in real time—all from one dashboard.

Yes. You can assign daily, weekly, or monthly limits to each employee card. Limits can be adjusted instantly from the dashboard or mobile app, ensuring your team spends within budget.

Employees can upload receipts directly from the Ubsidi mobile app. Receipts are instantly linked to the correct transaction, making expense reporting fast and paper-free.

Absolutely. Every transaction made with a Ubsidi card is visible in your dashboard within seconds. This gives you up-to-date visibility into how company funds are being used.

Currently expense data can be exported in multiple formats (CSV, PDF, etc.). Integration with most accounting platforms will be coming soon, helping you save time on bookkeeping.

Yes. Our platform provides detailed spending analytics, helping you identify trends, optimise budgets, and make smarter financial decisions.

Our system is designed to reduce the need for reimbursements by giving employees prepaid company cards. However, if reimbursements are needed, you can log them manually for accurate reporting.

Please update any address changes as soon as possible in your dashboard or contact support. This ensures smooth communication, correct billing, and timely card delivery.

Our Direct Debit Collection service lets your business collect recurring or one-off payments directly from your customers’ bank accounts. It’s a secure, automated solution that improves cash flow and reduces manual payment chasing.

To get started, simply activate the Direct Debit Collection feature in your Ubsidi dashboard or contact us at support@ubsidifinancial.com and our onboarding team can help ensure a smooth setup. You’ll then be able to set up payment mandates for your customers and schedule collections.

Yes. You can collect payments from both individual and business customers, as long as they have a UK bank account that supports Direct Debit payments.

Absolutely. Ubsidi Financial partners with Stripe, a regulated and trusted provider, to deliver secure Direct Debit services. All payments are processed under strict compliance and data protection standards.

Direct Debit payments typically take 3–5 business days to clear and settle into your account, depending on the bank and payment schedule.

Yes. Your customers will receive advance notice before each payment, as required by the Direct Debit Guarantee. You can customise the notice period and payment terms in your settings.

Yes. You can cancel or amend any scheduled Direct Debit payment before it is processed. Simply go to the “Payments” section in your dashboard and select the payment you want to manage. If the Direct Debit has already been processed, then changes cannot be made.

Customers must authorise the Direct Debit by completing a simple online mandate form. No physical signature is needed, and the process takes just a few minutes.

Ubsidi’s Merchant Services allow your business to accept customer payments securely and conveniently, including contactless, chip & PIN, tap to pay, and online transactions. You’ll have everything you need to get paid quickly and reliably.

Simply activate Merchant Services in your Ubsidi dashboard. From there, you can set up your payment options. Alternatively our team can guide you through setup to get you transacting in no time. Just get in touch through any of our contact options.

You can accept major debit and credit cards, contactless payments, and digital wallets such as Apple Pay and Google Pay. For more info on specific card types please get in touch.

Payments are usually settled into your business account within 7 business days, depending on the transaction type and bank.

Yes. All transactions are processed through our trusted partner Stripe, which is fully licensed and authorised. Security and compliance are built-in, ensuring safe payments for you and your customers.

Yes. With Ubsidi, you can take payments anywhere using compatible devices and our mobile app—perfect for retail, service providers, and mobile businesses. If you are unsure about your device compatibility, get in touch and our team can help.

No. There’s no cap on the number of transactions. You can accept as many customer payments as your business requires.

We provide flexible plans designed for businesses of all sizes. Whether you need a basic setup for small teams or advanced features for larger organisations, you can choose the plan that best fits your needs.

Billing is weekly or monthly depending on your chosen plan. Fees are charged automatically to your registered business payment method, and invoices are available in your dashboard.

No. Ubsidi is committed to transparent pricing. All fees are clearly outlined when you choose a plan and in your monthly invoices—no surprises.

Yes, we offer free demos to help you understand how Ubsidi can work for your business. Depending on your plan, you may also qualify for a trial period before your first billing cycle.

Yes. You can cancel anytime by going to “Billing & Plans” in your dashboard. Your account will remain active until the end of your current billing period.

Once your card arrives, log in to the Ubsidi dashboard or mobile app. Follow the on-screen instructions to activate it and assign it to a team member if needed. Your card will be ready to use immediately after activation. Your card PIN can also be viewed on screen once activated.

Creating a virtual card is easy. From your dashboard or app, go to the “Cards” section, select “Create Virtual Card,” choose the user or purpose, and set spending limits if needed. The card will be generated instantly and ready for online use. (Please note, if you are a company employee, you will need to contact your designated authorised user to carry out this request).

You can order additional cards anytime. Simply go to the “Cards” section in your Ubsidi dashboard, select “Order New Card,” and follow the steps to assign it to a team member. Physical cards will be delivered by post, and virtual cards are issued instantly. (Please note only designated authorised users can order cards).

Don’t worry-we’ll notify you well in advance of your card’s expiration date. A replacement card will be automatically sent to your registered address before the current one expires. If your address has changed, please update it in your account settings.

If you need to temporarily disable a card—due to loss, suspected fraud, or team changes—you can freeze it instantly from the dashboard or mobile app. Just go to the card’s settings and tap “Lock Card.” You can unlock it at any time with one click.

If your card is lost, damaged, or about to expire, you can request a replacement directly from the Ubsidi dashboard or mobile app. Go to the “Cards” section, select the card in question, and choose “Lost/Stolen” Your old card will be deactivated, and a new one will be issued and sent to the account holders registered address. (Please note only designated authorised users can order replacement cards).

You can update your personal information-such as your name, address, email, or phone number-by logging into the Ubsidi dashboard or mobile app. Head to “Account Settings”, select “Profile”, and make the necessary changes.

Yes. To change your email address, go to Account Settings and select “Update Email”. For security reasons, we may require identity verification before confirming the change.

It’s important to keep your address up to date, especially for card delivery and verification purposes. You can update your address in Settings > Business Information or by contacting our support team directly.

We take data protection seriously. Your personal details are encrypted and stored securely, in line with UK GDPR regulations. We never share your data with third parties without your explicit consent.

If you’d like to close your account, simply contact our support team through your Ubsidi dashboard or email us at info@ubsidifinancial.com. Before closing, please ensure all outstanding balances are cleared and any active cards are deactivated. Once confirmed, your account will be securely closed, and a final statement will be provided for your records.

To open an account with Ubsidi, you’ll need to provide key company information including your registered business name, company registration number, trading address, and director or authorised representative details. Depending on your business type, additional documents such as proof of address, proof of ID or proof of incorporation may also be required.

Verification is usually completed within 2–3 business days once all required documents are submitted. In some cases, additional checks may be needed, which can extend the process slightly.

Yes. You can update your business information anytime from your Ubsidi dashboard. Go to Settings > Business Information to make changes to your company details, address, or contact information.

Yes. Business verification is required before your account becomes fully active. This process ensures compliance with UK financial regulations and helps protect both your business and Ubsidi from fraudulent activity.

Yes. You can assign multiple authorised users to your account, each with specific roles and permissions. This makes it easy for finance teams or managers to collaborate while maintaining control over spending and access.

If your business changes structure—such as switching from a sole trader to a limited company—you’ll need to notify us immediately. We may require updated documents to ensure compliance with our regulatory partners before continuing service.

Yes, you can register multiple businesses if you operate under different legal entities. Each business will need its own verification process, but you can manage them under one login for convenience.

You can update business details such as your company name, address, or contact information by logging into the Ubsidi dashboard and navigating to Settings > Business Information.

Please update your new address as soon as possible in your dashboard or contact support. This ensures smooth communication, correct billing, and timely card delivery.

Yes. If your company has legally changed its name, you can submit an update request via your dashboard. You’ll need to upload supporting documents such as a Companies House registration certificate showing the name change.

Yes. You can include a trading name alongside your registered company name. This is useful if your public-facing business name differs from your legal registration, ensuring customer clarity on invoices and payments.

Documents are typically rejected if they’re expired, unclear, or don’t match your registered company details. We’ll notify you with the reason and guidance on resubmitting the correct documentation.

You can sign up and explore your dashboard, but full account functionality—including issuing cards, collecting Direct Debits, and processing merchant payments—will only be available once verification is complete.

After signing up, you’ll be asked to provide key business and identity documents—such as your company registration number, proof of address, and authorised representative ID. Verification is usually completed within 2–3 business days. We’ll notify you as soon as your account is live.

If you need more cards, higher limits, or access to additional features, you can upgrade by contacting our support team or navigating to the “Billing & Plan” section in your dashboard. Our team will guide you through the best plan based on your business needs.

Yes. You can register and manage multiple business accounts if you operate more than one legal entity. Each account will need to go through its own verification process and will be managed separately through your Ubsidi login.

We’re sorry to see you go! To close your account, simply contact our support team via the dashboard/app or email us at support@ubsidifinancial.com. Please ensure all outstanding balances are cleared. We can guide you through the secure closure process, including settling any outstanding balances or transactions. Account closure typically takes 1–3 business days to process.

If you see a charge that looks incorrect or unauthorised, you can dispute it directly from the Ubsidi dashboard or mobile app. Go to the transaction in question, click "Need help with this transaction?" or "Dispute Transaction", and follow the prompts. Our support team will investigate and keep you updated throughout the process.

To download statements, log in to the Ubsidi dashboard or mobile app and navigate to “Card Controls” and then “Card Reports” under the card section. You can filter by date, download monthly summaries, or export custom reports in PDF or CSV format—perfect for your accounting needs.

Yes. You can request to add or replace an authorised user by contacting our support team. Additional verification may be required to ensure account security.