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Reach out to Lemma to get self-serve card charging enabled for your entity. It also requires card acquiring.
When a virtual card arrives in your lockbox mail, Lemma detects and charges it for you. But payers sometimes hand you a card directly instead: in a payer portal, over fax, or read out over the phone. Charge those cards yourself from Move money > Charge a card.

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Before you start

  • Self-serve charging is enabled. The Charge a card option only appears on the Move money page after Lemma enables it for your entity. Reach out to us to turn it on.
  • You have the right banking permission. Charging a card requires the Accounting or Owner banking role.
  • You have the card details. Have the card number, expiration date, and security code exactly as the payer provided them.

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Charge a card

1

Open the charge page

Go to Move money and select Charge a card.
2

Enter the amount

Enter the amount to charge. A single charge can be up to $50,000. Payer virtual cards typically carry an exact authorized amount, so enter it precisely.
3

Enter the card details and charge

Enter the card number, expiration date, and security code exactly as the payer provided them, then select Charge. If the card is declined, no money moves. If the card was already charged, Lemma tells you instead of charging it twice.

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After you charge

The card is charged immediately and the funds appear in your account in 24 to 36 hours. The charge shows up on your Card Processing page alongside the cards Lemma charges from your lockbox, and you can follow its status there. Like every card payment, a self-serve charge produces two line items: an Acquiring transaction for the gross amount and a separate Fee transaction for the processing cost. See how card payments show up and the pricing page for card processing fees.

Card payment transactions

How Lemma charges cards from your lockbox and how payments appear.

Chargebacks

What happens when a payer disputes a card charge.