Issue cards without handing over the keys
Discover why Lemma is the fastest-growing healthcare banking partner for MSO-PC and DSO-PC structures.
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Issue free virtual and physical debit cards for your team and customize their transaction limits.
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Create cards in minutes for every employee and every entity. Writing your MSA was complicated, we make enforcing it easy.
Customize a maximum per transaction and a total spend limit that resets per day, week, or month. If a purchase exceeds the policy, it is declined at the point of sale.
Spending controls
Issue a virtual card instantly for an online purchase or new vendor. Order a physical card for in-person spend.
Choose a card type
Freeze a card instantly, adjust its limits, or review its transactions from one place. Lemma also blocks high-risk transactions automatically, adding protection without slowing your team down.
Employee card
ActiveCards draw only from the available cash in their linked Lemma account. Fund separate accounts for different locations or entities, then keep each team's spend tied to the budget and ledger it belongs to.
Funding account
$25,000.00
Available cash
Cash sitting in the account behind your cards earns up to 1.75% APY automatically. Keep funds ready for employees without moving them into a separate savings product.
Cash while it waits
Business Banking
Accounts that make every card easy to fund and track.
MSO-PC Banking
Separate spending by entity while keeping one login.
Lockbox
Checks and EOBs, scanned and posted the same day.
Remittance Reconciliation
Deposits matched to remittance automatically.
Integrations
Connect your practice management and accounting tools.
Lemma Capital
Fixed-fee draws against a preapproved limit, no interest.
Yes. Virtual and physical debit cards are free and included with your Lemma account. Virtual cards are available as soon as you issue them; physical cards arrive in an estimated 5–7 business days.
Set a maximum per transaction and a maximum total spend that resets per day, week, or month. When more than one limit is active, a purchase must fit within all of them.
Open the card and use the menu to freeze it or cancel it. Freezing instantly blocks new transactions while preserving the card's limits and history, so you can unfreeze it later. Cancelling permanently stops the card and cannot be undone, so cancel a lost card or one an employee no longer needs.
Yes. Owner and Accounting members can update either limit, turn one off, add one later, or freeze and unfreeze the card. New transactions follow the updated policy as soon as you save.
Virtual card numbers work immediately after issuance. A physical card's number can be used for online purchases right away; in-person purchases work after the delivered card is activated.
Yes. Cash in your Lemma account earns up to 1.75% APY automatically, including funds you keep ready to back employee debit-card spending.