Spending money
Spend with HCB cards and send money by ACH, check, wire, or Wise, plus paying people, reimbursements, and disputes.
16 articles
How do I spend money on HCB?The ways to pay from your HCB balance, and which to use when.
HCB cards: how to order, activate, and use themGetting virtual or physical HCB cards and spending with them online and in person.
My card was declined. What should I do?Troubleshooting an HCB card that won't go through.
Can I use Apple Pay or Google Pay?Adding an HCB card to a phone wallet to tap to pay.
How do I pay someone?Paying a person or company from HCB by transfer, and the tax form HCB needs the first time.
How do I send an ACH transfer?Sending a free bank-to-bank payment to a US account, and the details you need.
How do I send a wire transfer?Sending an international wire: the recipient details, the $500 minimum, and the fee for smaller wires.
How do I send a Wise transfer?Using Wise for international payments: how to send, fees, the exchange estimate, and unsupported currencies.
How do I send a check?Mailing a paper check to a US recipient from your HCB balance.
How do I dispute a transaction?Why to contact the merchant first, the proof you'll need, and how to file a card dispute.
What do I do if my card is lost, stolen, or expires?Freezing or burning a lost or stolen HCB card, reissuing one, and when you actually need to contact HCB.
How do I request a reimbursement?Setting up your payout method, submitting an expense report, and getting paid back.
I used my org card for a personal purchase by mistake. What do I do?Flagging an accidental personal charge and paying your organization back.
How do I stop or cancel a check?Stopping a check you've already sent, canceling one that's pending, and fixing wrong details.
How do I transfer money to another HCB organization?Moving funds to another HCB org with the 7% fee waived, and why not to use a card for it.
My order was refunded/canceled by the merchant. What happened?When a purchase fails at the merchant instead of HCB, and how to tell the difference.