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

# Charge a virtual card yourself from Move money

> Charge a payer's virtual card directly in Lemma when you receive the card by payer portal, fax, or phone instead of lockbox mail.

<Note>
  Reach out to Lemma to get self-serve card charging enabled for your entity.
  It also requires [card acquiring](/docs/acquiring).
</Note>

When a virtual card arrives in your [lockbox](/docs/guides/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](https://app.getlemma.com/_/move-money/charge-card).

## 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](/docs/guides/team-management#banking-permissions).
* **You have the card details.** Have the card number, expiration date, and security code exactly as the payer provided them.

## Charge a card

<Steps>
  <Step title="Open the charge page">
    Go to [Move money](https://app.getlemma.com/_/move-money) and select
    **Charge a card**.
  </Step>

  <Step title="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.
  </Step>

  <Step title="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.
  </Step>
</Steps>

## 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](https://app.getlemma.com/_/acquiring) 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](/docs/acquiring#payments-and-fees-are-separate-transactions) and the [pricing page](/docs/billing/pricing) for card processing fees.

## Related

<CardGroup cols={2}>
  <Card title="Card payment transactions" icon="credit-card" href="/docs/acquiring">
    How Lemma charges cards from your lockbox and how payments appear.
  </Card>

  <Card title="Chargebacks" icon="rotate-left" href="/docs/acquiring/chargebacks">
    What happens when a payer disputes a card charge.
  </Card>
</CardGroup>