> ## Website Index
> Fetch the complete website index at: https://getlemma.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Debit cards that control spending

Issue free virtual and physical debit cards for your team and customize their transaction limits.

[Book a demo](https://calendly.com/d/ct72-djp-r7w)

## Give your team access without giving up control

Create cards in minutes for every employee and every entity. Writing your MSA was complicated, we make enforcing it easy.

### Set a limit for every horizon

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.

### Virtual now, physical when you need it

Issue a virtual card instantly for an online purchase or new vendor. Order a physical card for in-person spend.

### Change the policy as the work changes

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.

## Every card spends cash, never credit

Cards 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.

## Your card cash keeps earning

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.

## Frequently asked questions

**Are virtual and physical cards included with my Lemma account?**

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.

**What spending limits can I set?**

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.

**How do I freeze or cancel a card?**

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.

**Can I change a card's limits after issuing it?**

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.

**How quickly can an employee use a card?**

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.

**Does the cash behind my cards earn interest?**

Yes. Cash in your Lemma account earns up to 1.75% APY automatically, including funds you keep ready to back employee debit-card spending.

## The rest of the platform

- [Business Banking](/business-banking) — Accounts that make every card easy to fund and track.
- [MSO-PC Banking](/mso-pc-banking) — Separate spending by entity while keeping one login.
- [Lockbox](/lockbox) — Checks and EOBs, scanned and posted the same day.
- [Remittance Reconciliation](/remittance-reconciliation) — Deposits matched to remittance automatically.
- **Integrations** — Connect your practice management and accounting tools.
- [Lemma Capital](/lemma-capital) — Fixed-fee draws against a preapproved limit, no interest.

## Issue cards without handing over the keys

Discover why Lemma is the fastest-growing healthcare banking partner for MSO-PC and DSO-PC structures.

[Book a demo](https://calendly.com/d/ct72-djp-r7w)