Everything you need to know about BilinkPay — accounts, cards, transfers, security, and more.
Yes, you can apply for a BilinkPay account if you are a UK or EU resident or Registered business.
BilinkPay account is a payment account designed for making payments.
You are required to provide Proof of Personal Identity and Proof of Current Residential Address issued within the last 3 months.
You need to provide one form of official identification. (This must be valid)
You need to provide one form of proof of address. This must have been issued within the last 3 months:
BilinkPay is powered by Equals, and Equals is authorised and regulated by the Financial Conduct Authority to provide payment services, we are required to carry out a KYC (Know Your Customer) check which is NOT a credit check just to identify you and where you live.
We sometimes require business documents to confirm what your business’s activities are if you do not have a website or any online presence.
Please click here to get started with Register. We’ll need to ask you a few questions about you and your requirements before your account is set up.
We always work to process all applications as quickly as possible and are usually able to process applications within 24 hours if all the information we need is submitted on your application form.
However, the exact time it takes can depend on the complexity of your application. BilinkPay is powered by Equals and Equals is authorised and regulated by the Financial Conduct Authority to provide payment services, we are required to carry out KYC (Know Your Customer) checks, which can take longer for some businesses. We will always communicate regularly with you during the process so you are kept fully informed of the progress of your application. Please always feel free to talk to us if you have any questions.
Anyone with an account can have any of the following roles:
Primary owner
Your company account must always have an active Primary owner. Only one person within your company can hold this at any given time. The Primary owner has the same permissions as an Owner, but they cannot be deactivated. The role can be transferred to another active Owner, by the current Primary owner.
Owner
Owners have view and edit access to all functionality in the platform. Owners also have access to Account settings, where they can activate/deactivate certain features.
Admin
Admins have view and edit access to all functionality in the platform, with the exception of view only access to Account settings.
Payer
Payers have the ability to add recipients and make payments from your account. They do not have access to any settings or permissions.
Viewer
Viewers have view access to all functionality in the platform, except Account settings. Viewers do not have any edit access, nor can they make any transactions, within your company account.
Accountant
Accountants have view and edit access for spending activity, including statements and transactions. They also have access to manage Annotations and Integrations in Account settings. People with the accountant role cannot have their own Individual card.
User
You can assign Users to Individual cards. Users cannot view or edit anything at account level, or make wire payments.
The BilinkPay account supports multiple currencies. Some currencies can be used for certain features only.
The 21 card-supported currencies are: GBP, EUR, USD, AED, AUD, CAD, CHF, CZK, DKK, HKD, HUF, ILS, JPY, NOK, NZD, PLN, RON, SEK, SGD, TRY, ZAR
If you hold a balance in any of these card currencies, you can use it to make card payments without an exchange. You can also use your card for payments in other currencies, as long as Mastercard payment is accepted. There is 1.5% out of currency fee for card transactions in currencies other than the 21 above.
Outbound wire payments can be made in the following currencies:
AED, AFN, AUD, BBD, BDT, BHD, BMD, BRL, BWP, CAD, CHF, CZK, DKK, EGP, ETB, EUR, GBP, GHS, GMD, HKD, HUF, IDR, ILS, INR, JOD, JPY, KES, KRW, KWD, LKR, MAD, MGA, MUR, MWK, MXN, MZN, NAD, NGN, NOK, NPR, NZD, OMR, PGK, PHP, PKR, PLN, QAR, RON, RWF, SAR, SEK, SGD, SLE, THB, TND, TRY, TTD, TZS, UGX, USD, XAF, XCD, XOF, ZAR, ZMW.
Funds held in BilinkPay payment accounts with Equals Money Plc are not protected by the Financial Services Compensation Scheme (FSCS). Instead, your money is protected via a safeguarding method in accordance with the Payment Services Regulations / E-money Regulations. Your money is held in specially designated, safeguarded bank accounts with Tier 1 banks, and is kept separate from our own funds.
You can change your marketing communication preferences on your account page.
Please follow these steps:
Yes, if you have an BilinkPay Card, please go to your wallet app and add your BilinkPay Card details.
Yes, simply open your Google Pay app after you’ve added the BilinkPay Card, select the BilinkPay Card and choose “Make default for contactless” from the Card Details menu.
No, pausing (Freezing) your card has the effect of freezing it for all types of transactions.
Yes, please add the details of your new card again via the app.
Yes, you can use Google Pay wherever you see the contactless and Google Pay symbols.
Yes, you can use Google Pay to make payments with your BilinkPay card online in a web browser or in apps wherever the merchant supports it.
When you make a transaction on Google Pay, your card number is not shared with the merchant you’re paying. A token is used instead to authorise the transaction.
Please see this guide from Apple on which devices can use Apple Pay.
Open your Apple Pay app, press and hold the BilinkPay card and drag it to the front.
No, pausing your card has the effect of freezing it for all types of transactions.
Yes, please add the details of your new card again via the app.
Yes, you can use Apple Pay wherever you see the contactless and Apple Pay symbols.
Yes, you can use Apple Pay to make payments with your BilinkPay card online in a web browser or in apps wherever the merchant supports it.
When you make a transaction on Apple Pay, your card number is not shared with the merchant you’re paying. A token is used instead to authorise the transaction.
You can choose a dark or light theme for your BilinkPay account.
Please follow these steps to change your theme:
One of the options on this page will allow you to toggle between dark and light themes. This only affects your own page.
If you are able to access your account, you can change your password from within your account.
Please follow these steps:
If you cannot access your account, please click "Sign in" and then choose "Can't log in to your account?". You will need to enter your email address and then we will send you a link allowing you to create a new password.
Whenever you sign in, please ensure you are accessing the genuine site. The URL for the sign in page begins https://portal.bilinkpay.com Scammers sometimes try to spoof this page by using very similar URLs that they list on search engines.
Charities and non-profits are subject to the fees we set out on our pricing page.
There is no separate pricing for charities and non-profits, the platform is not free for these organisations.
To close your account, please speak to your account manager directly or contact our team via the details on our Contact page.
Please go to the “People” page of your account and click the “+ Add people” button. You will be asked for some information about the person you are adding, and the role they will have in the system.
If you wish to remove a person from your account, for example, if they have left your business, please follow these steps:
Someone who has been deactivated cannot access your business’s BilinkPay account.
Yes. Deactivated people are hidden by default on the People page. To reactivate:
Important: Deactivating or reactivating someone only affects the account you’re managing. If they also have access to other accounts on the Equals platform, their status on those other accounts will not change.
You will be able to see a list of all the people on your account on the “People” page of your account. Anyone who has been deactivated will have a small red “x” next to their profile picture/initials. Anyone without this “x” is able to sign in and access the account to the extent their role allows.
We recommend you deactivate someone on your account if they leave your business or move into a role where they no longer need access to the BilinkPay account. Deactivating a person will mean that person can no longer access your account.
If your user takes more than two weeks to click the link in their invitation email, the link will expire. If this happens, please simply click on their entry on your People page, and click on the option to re-invite your user.
There could be a range of reasons for this. We would recommend you first try to add the person again as it could be simply a connection issue. If you continue to have problems, please contact our team or your account manager directly.
To create a new team for your organisation:
You’ll be able to give a team name and specify who should be in it. You can also add and remove people from the team after it has been created.
To add a profile picture for your own account, click on the name shown at the top of the account. This will either be your name if you are a personal customer, or the name of your organisation.
Then select “My details”. The first option on the list that appears will allow you to upload an image. This image will show next to your name on the “People” page.
To add an image for your organisation, click on the name of your organisation at the top of your account and then select “Account settings”. Choose the “Business details” option to add an image, such as a logo.
To change an address, including a delivery address:
Here you will be able to delete or add an address. You will need to have an Owner or Primary Owner role to do this.
Please contact our team to make a change to your email address.
Please contact our team to make a change to your mobile number.
If you have a business account with us you have the option of providing a job title. You can change your title on your account page.
Please follow these steps:
You will be able to edit and save your job title here.
The People page will allow you to view the list of anyone else you’ve given permission to manage your account. If you would like to add someone to your account who you are happy to make transactions on your behalf and speak with us about the account then please speak with our team.
To request a refund, please get in touch with our friendly team.
To look at your transactions, both card spend and payments, please go to the “Transactions” page of your account.
You’ll see a list of your transactions, ordered by date with the most recent at the top.
You’ll see these details about your transactions:
It is possible to view transactions for a specific card, by going to the “Cards” page and selecting a specific card. A panel will appear on the right. Near the bottom of this panel, there is an option to “View transactions for [name on card]”.
This will take you to the transactions page of your account which will be filtered for transactions from that card.
Depending on your role, you may not be able to see all the transactions that your organisation has made.
These roles can see all transactions: Owner, Admin, Payer, Viewer, and Accountant.
If you do not have one of the above roles, you will only be able to see transactions from Balances that you are associated with via a Balance role.
You can see the transactions for any Balances that you have one of the following roles on: Balance admin, Balance payer, Balance viewer.
Please click the slider icon at the top right to filter transactions.
You can choose to filter your transactions by:
You’ll see that each transaction has a different status:
Pending: - These could be card transactions that haven’t been fully processed by the merchant, or exchanges. Payments and deposits which have debited a balance but have not been completed yet will also show as pending.
Complete: - These could be card transactions that have been fully processed by the merchant, or other types of orders (payments or exchanges) that have been completed.
Declined: - Card transactions that have been declined
Funds required: Transactions that are pending until money is added to funds the transaction.
Needs approval: Transactions that are pending until the spend is approved. This will only appear if your account has the payment approval feature turned on, requiring approval of all outbound payments.
Open: This only applies to forward contracts. Once a forward contract has been booked and the deposit paid, the order will be displayed as open until payment is complete.
It’s also possible to filter for the transactions on a specific card (physical or virtual) by typing the last four digits of the card number into the search bar on the transactions screen.
You can also search for all the transactions you’ve made with a specific merchant or payee, but searching their name in the search car.
Transactions appear in the Transactions screen within seconds. This is the same for cards, payments and transfers.
It's possible to download (export) a statement or a report of transaction activity. Statements can be downloaded for date ranges up to the day before the current date. Today’s transactions cannot be downloaded as the day is not yet complete.
To download, go to the "Transactions" page and click this download icon at the top right of the page:
A statement shows a record of the financial activity of your account, including running balances. It is a formal record for financial reporting. You can get this either as a CSV download or a pdf.
The transaction activity will show you all transactions and events on your account. It does not have a running balance. The download will be a CSV.
It is possible to filter each of these reports to show specific time periods. You can also filter the statement to show you a statement for a specific balance and/or currency.
To create a Shared balance, go to “Balances” and then choose the “+ Create Balance” option.
You will be asked to give the balance a name and choose which parent balance it will draw from. The balance you create will only have access to the currencies available in the parent balance.
Next, you’ll be asked to choose whether or not you’d like Shared cards to be able to draw from this balance.
Lastly, you can toggle which currencies you would like to be available in your new balance. You will still be able to edit the currencies once the balance has been created.
Go to the Balances page to see the balances you have access to. Click on “View” on the relevant balance tile, and you’ll be taken to the page for that balance.
Halfway down this page, there are some tabs, with “Manage” at the end. If you select “Manage”, you’ll see a box headed “Manage currencies”. Click “Edit” on this tile and you will be able to toggle currencies on and off.
Go to the Balances page to see the balances you have access to. Click on “View” on the relevant balance tile, and you’ll be taken to the page for that balance.
Halfway down this page, there are some tabs, with “Manage” at the end. Here you’ll be able to manage the various features of the balance, and see the account details for that balance.
If you have a business account with us you have the option of providing a work number. You can change this on your account page.
Please follow these steps:
You will be able to edit and save your work number here.
Go to the Balances page to see the balances you have access to. Click on “View” on the relevant balance tile, and you’ll be taken to the page for that balance. Halfway down this page, there are some tabs, with “Manage” at the end. Here you’ll be able to manage the various features of the balance, and see the account details for that balance.
Go to the Balances page to see the balances you have access to. Click on “View” on the relevant balance tile, and you’ll be taken to the page for that balance.
Halfway down this page, there are some tabs, with “Manage” at the end. If you select “Manage”, you’ll see a box headed “Manage currencies”. Click “Edit” on this tile and you will be able to toggle currencies on and off.
In most cases, you can simply invite your staff as soon as you add their details on the platform. We give the option to invite them later for situations where you may prefer to invite them at a more convenient time, for example, while you are meeting with them or onboarding a new member of your team.
Please sign in and go to “Account settings” and then choose “Annotations and integrations”. Choose the integration you want to manage.
To unmap an account, please click Manage and you’ll be able to see all your bank feed. Click the three dots on the right of any of your mapped accounts to bring up the option to unmap them.
Bank feeds let customers automatically import bank transactions from Equals into Xero. This eliminates the need to import transactions manually. Once a you have connected a bank feed, statement lines appear in your bank account in Xero ready for you to reconcile each day.
If you want to disconnect from an accountancy integration completely, please sign in and click on your name (or your organisation's name) at the top and choose "Account settings" and then "Accountancy integrations". Click the three dots by your integration and choose "Disconnect account". When the pop-up appears you will need to type "disconnect" to confirm.
Please use the Statement if you only want to see completed transactions (for example for reporting). Use Transaction activity to see all transactions (for example, to investigate activity on your account).
Statement CSV
Only completed transactions are included.
Available from account creation date to yesterday.
Choose a Balance you want to report on
Choose the currencies you want to report on.
Transaction activity CSV
Includes all transactions on your account. This includes pending transactions, declined transactions and cancelled transactions.
Available from account creation date to today.
Choose to apply a filter from the transaction page. You can choose: transaction status, transaction type, attachments, annotations, and balance.
Your team may move through different statuses as they set up their account:
Created: This means that their profile has been created on the system but they have not yet been invited to the Equals platform.
Invited: This means they have been sent an invite to create a password and get access to your organisation’s BilinkPay account, but they have not actioned it.
Invite expired: This means that an invite was sent to this person but it has now expired. Invitations expire after 7 days. Please send them a new one if you still wish them to have access to the account.
Individual cards are ordered for a specific person. All Individual cards start as virtual cards by default, after which you can decide if that card needs to be printed physically and sent to you. The cardholder can also use their individual card with Apple Pay, Google Pay or Samsung Pay. Individual cards can be assigned to, and spend from, more than one multi-currency Balance. The cardholder will be able to choose via their account which of their card Balances they want to spend from.
Shared cards are not ordered in people’s names and should be named after cards in the specific use-case. Shared cards are virtual cards only, which means they can only be used for online purchases. Unlike Individual cards, Shared cards cannot be added to Apple Pay, Google Pay or Samsung Pay. A Shared card to be linked to one multi-currency Balance.
You can use Shared cards to pay for online transactions where Mastercard is accepted as payment. We offer debit card.
Yes, if your assigned role on your business’s account is “Primary Owner”, “Owner” or “Admin” you will be able to order a card for yourself or anyone else in your business.
Most cards take around 3 to 5 working days. They are sent via Royal Mail 1st class post and therefore delivery timeframes can be affected by any delays in the postal service.
Please go to the “Cards” page and select the card. A panel will appear on the right. At the bottom of this panel, you have the option to “Review and edit card settings”. If you select this, you'll see an option at the bottom of the next page to cancel.
Please go to the “Cards” page and select the card. A panel will appear on the right. At the bottom of this panel, you have the option to “Review and edit card settings”. If you select this, you see an option at the bottom of the next page to cancel. Once you have cancelled a card you will need to order a new one.
We recommend you only order physical cards if you need them for making transactions that require a physical card to be present with the person spending.
There are a number of advantages to virtual cards: They can be created and ready to use in a matter of seconds.
Your new card should arrive in around 3-5 working days.
Shared cards can be frozen temporarily via the cards page of your online account. You can choose to resume the use of frozen cards in the same way you froze the card.
Individual cards are designed to be assigned to a specific named person on your BilinkPay account. Individual cards can exist as virtual cards, or you can also request a physical version be posted to you. You can have a maximum of one physical card per person. Individual cards can be linked to multiple shared balances. Please note that if you decide to link a card to multiple shared balances, you cannot set spending limits.
You can change your PIN on the Cards page of your account. Click on your card and choose "Review card settings" at the bottom of the menu. On the next menu, choose "Reset PIN" and enter your new PIN.
Once you have changed your PIN online, you will need to go to an ATM to confirm the change. You will need to either check your balance or make a withdrawal.
We recommend shared virtual cards for making any type of payment that you know will always take place online. As you can quickly and easily set up new virtual cards, you can assign one to each payment type, for example, you might want a virtual card just for your software subscriptions and another for online marketing spending. This allows you to monitor separate payment types easily. They are designed for shared spend that can be assigned to a specific category such as spend in a specific department, project or subscription.
Shared cards which spend from your main Account balance can only be viewed by the Primary owner, Owners or Admins.
Shared cards spending from your Account balance can be viewed by people with an account role of Primary owner, Owner or Admin.
Balance admins for the Balance that a Shared card is linked to will also be able to see card details for that card.
For example, your Marketing Manager may not be an Admin on your organisation's account, but might be a Balance admin for the Marketing Balance and can therefore see any Shared cards linked to that balance (for example, the card that pays for your Google Ads spend).
Please sign in, click on “Cards” from the menu on the left and select your card. Under “Spending from” you’ll see the name of the balance assigned to the card.
Shared cards can be cancelled once paused via the cards page of your online account. Please sign in, click on Cards from the menu on the left and select your card. Please choose “Review and edit card settings”. The option to cancel the card will show on this menu. Please be aware this cannot be undone.
We recommend virtual cards for making any type of payment that you know will always take place online. As you can quickly and easily set up new virtual cards, you can assign one to each payment type, for example, you might want a virtual card just for your software subscriptions and another for online marketing spending. This allows you to monitor separate payment types easily. In addition, physical cards are always assigned to one person, whereas you can allow a whole department to use one shared virtual card, or assign one card for a specific project that involves many teams in your organisation.
Freezing a card temporarily stops transactions from taking place. You can unfreeze the card at any point. We recommend you freeze the card if you think it has been mislaid.
A person can spend from an unlimited number amount shared balances, however, the person and their Individual card will need to be assigned to a shared balance by an Owner, Admin or Balance admin before they can spend any money from that balance. Note, you can only assign an Individual card to one balance if they have an active spending limit.
Only the named cardholder can see their PIN. Please go to the “Cards” page and select the card. A panel will appear on the right. Under the image of your card, you'll see an option to “View PIN”.
You'll need to enter your account password in order to see your PIN.
People on the account with the account role of Owner or Admin can activate cards for others.
The card is valid for 4 years from when you order it.
Once you’re signed in, choose the Cards tab from the menu on the left. You’ll see a “Create card” button at the top left-hand corner of this page.
Shared cards are virtual cards which are not assigned to specific people and cannot be uploaded into Apple pay, Google pay or Samsung pay. They are designed for shared use cases such as specific projects, departments or subscriptions. They should be given a name specific to their use case or merchant, for example, “Online advertising card” or “Zoom subscription”
You can set limits on cards via the cards page of your online account. You can set limits for daily, weekly, monthly or lifetime use as well as single transaction limits. Simply select the card from the “Cards” page and click on “Spending limits” on the panel that appears. Progress trackers are available via the ‘card inspector’ to show card spending against the limits set. Any card transactions that exceed set limits will decline.
Yes, if you're an existing payments customer and do not have access to an online account, please speak to your account manager or get in touch with our team.
BilinkPay is power by Equals, The access to the Faster Payments scheme is through a subsidiary of Equals Group Limited, Equals Money UK Limited. Equals Money UK Limited is authorised and regulated by the Financial Conduct Authority to provide payment services (FCA No. 504547).
We aim to process your payment on the same day we receive the funds. Depending on the value date, time of day and currency it could take up to three working days to credit your recipient.
If you would like to confirm the timeframe for your payment, please contact us via live chat.
Go to the "Recipients" page of your account and click the "+ Add recipient" button. We'll ask you for some basic information about your recipient. You'll need to enter the relevant bank details, which will be different depending on the country you are sending money to. You can also choose to add your recipient's email address to ensure an email is sent out to your recipient to let them know when you're sending them a payment.
Before the recipient is added or any payments can be made, you'll be asked to verify the recipient via two-factor authentication for security reasons.
Primary Owners, Owners, Admins and payers can all add recipients.
You can edit and delete your recipients directly from your account. While you're on the Recipients page, select your chosen recipient and you'll see a menu appear.
You'll be able to edit the reference and the recipient's email address. Some information can only be changed by deleting the recipient and adding it again.
Primary Owners, Owners, Admins and Payers can make payments from the account page.
To make a payment, simply go to the "Payments" page of your account and choose the "Make a single payment" option. If you've already saved a recipient you can select it, and if not you'll be taken to a screen which will allow you to create a new recipient.
You can opt to make a payment with money from your account balance, or you can fund the order directly with a bank transfer. Once you've placed the order for a payment we'll email you a confirmation.
Yes. You pay Direct Debits from your Equals account and manage any that have already been set up.
To set up a Direct Debit contact the company you want to pay and provide them with your BilinkPay account details (account number and sort code). The merchant will set up the Direct Debit on their end.
Note: Direct Debits are always set up by the merchant, not within the Equals platform. You authorise the payment, but they initiate the collection.
Go to Payments and then select Scheduled payments. From there you can view active Direct Debits and cancel a Direct Debit
Open the Direct Debit you want to cancel by clicking on it. In the panel that opens, select the option to cancel at the bottom.
Please ensure you tell the organisation you’ve cancelled it, especially if there is an outstanding payment or contract.
Yes. You can pay Direct Debits from any sub-balance.
It's where we convert some money to the currency you're paying in to help cover the total payment amount. This happens when there isn't enough money in the payment currency, and you have enough money to pay the rest using other currencies. We could use many currencies to cover the payment.
Example:
Currency alignment is active for all of the 21 card currencies.
If you use your card to buy something in a non-card currency, there will be an exchange from the base currency on your account. If there isn’t enough money in the base currency to pay for the transaction, then there can be a currency alignment from one or more supported currencies into the base currency.
Go to the Balances page of your account.
Click "View" on the relevant balance tile and select the "Manage" tab.
Toggle the switch in the "Currency alignment" section.
Currency alignment must be on if you need to withdraw cash overseas as we charge the fee in GBP for UK customers.
Currency alignment transactions may show on your statement before the transactions themselves have been completed (as the currency alignment itself has been completed). Please view the transaction activity report to see all transactions including the pending ones.
The person who made the transaction can annotate them. Admins, Owners, Accountants can annotate transactions of other people on the account. Balance admins can annotate their transactions and those of other people that happened on their balance. Only card transactions can currently be annotated.
Please do this in Account settings > Annotations and integrations > Annotations. Only Owners, Admins and Accountant roles can change these fields.
You cannot delete your custom annotation fields but you can archive them if you no longer want them to be displayed for new annotations. Annotations for transactions that have been made before the field was archived will remain visible to you. You can change the annotation field name, add new options into drop downs, and archive any options that become outdated.
It's possible to transfer up to €999,999,999.99 with SEPA Instant Transfer through BilinkPay.
Currency hedging is a mechanism to help businesses manage cross-border currency exchange risk by locking in rates now for a date in the future. This provides some certainty during times of market turbulence. Vanilla options, participating forwards and bespoke solutions are our most widely used currency hedging solutions. Ask your BilinkPay account manager to see how we can be of assistance or read our blog on currency volatility to find out more.
A spot trade is a one-off transfer using the live exchange rate for your chosen currencies. The payment will be made as soon as possible.
These are spot contracts mirrored by a forward, used for hedging and facilitated securely through one of our expert dealers.
These allow you to get a secured, protected rate while still allowing beneficial moves on a predetermined amount.
A limit order allows you to decide upon a target exchange rate that you want to achieve. If your chosen rate is hit, we’ll execute your payment for you.
Stop loss orders allow you to limit your loss if the market takes a downturn by agreeing a rate at which your currency should be sold.
This allows your team to ask for additional money in a balance that they have access to. It’s an in-platform message delivered via email and push notification to designated Approvers. If they approve the request, the money will be transferred to the balance (provided that the account has enough funds).
Owners can toggle this feature on and off to suit your business processes. If you are an Owner or Admin you can also top-up a balance without a prior funds request being raised.
Only Owners on the account can activate Funds requests in the Account settings section accessed via the arrow in the top menu.
Account settings > Requests > Enable Funds requests.
Owners, Admins and Payers can request funds to any Balance (excluding the account balance).
Balance Admins can request funds to any Balances that they are Balance admin of and their sub balances.
Balance Payers can request funds to any Balances that they are Balance payer on.
Someone who has their own Individual Balance can request funds into their Balance.
Owners and Admins can approve Funds requests by default.
Balance Admins can also approve Funds requests, but only those raised on any of the sub-balances underneath the balances that they manage.
Please note that Approvers will only be notified of incoming requests by email and push notification once the request reaches their specific Approval tier.
Approval tiers is a setting which allows you to specify how many people you would like to approve each Funds request. Each Approval tier represents one approval that needs to be given from any of the approvers on that tier before the requested funds are credited to the specified balance.
Each tier can have any number of approvers in it, having multiple people in each tier means that a Funds request will never be reliant on just one person being available to approve.
The same people can be in one or more tiers. However each person can approve any request only once.
For example: If you have three Approval tiers, this would mean that three separate people would need to approve each funds request before it is processed:
First, a notification would be sent to everyone in tier 1.
Once someone in tier 1 has approved the request, a notification will go to everyone in tier 2, and someone in that tier will need to approve before a notification goes to everyone in tier 3.
As soon as someone approves in tier 3, the request is processed and the funds are automatically transferred to the balance as requested (provided that there are enough funds in the selected funding balance). Anyone who receives a notification can reject it, and the request would go no further.
If you are happy to have the approval of just one person for all Funds requests, you can have only one tier. That tier could have multiple people in it, all of whom would receive a notification of the request and all able to unilaterally approve any given Funds request.
If you are an Admin or Owner you are able to move funds freely between balances on the platform but you can also request funds into any balance if you wish to do so. Click on the ‘Add money’ button at the top of any of the following pages Overview, Transactions, Balances, Cards, and a pop-up will open giving you the option to either Move money or Request funds.
Others with the ability to request funds will see the ‘Request funds’ circular button that’s shown on the top of the following pages: Overview, Transactions, Balances, Cards.
You can cancel any of your own Funds requests which have not yet been approved. To do so go to the Overview page - Needs attention section where you will see how many open Funds requests you have. Click on ‘Manage’ and you will be able to click between any of your open requests with the option to Cancel each one. Approvers that have already been notified of your request will get an email notification of the cancellation and so will you.
No. Funds requests only allow you to approve the transfer of funds to a balance on your BilinkPay account. Funds requests Approvers cannot approve outbound payments from the account.
To set up approvers for outbound payments please contact our customer services team and they will be happy to assist you.
No. It is not possible to approve funds requests that you have raised even if you are an approver. Depending on your specific Account role or Balance role you might be able to do an Internal transfer between balances on your account directly without the need to use Funds requests.
Internal transfer between balances is available to Owners, Admins, Payers between any balances on the account and to Balance admins and Balance payers between the balances that they have either of those balance roles on.
If your request gets rejected you will receive a push and email notification and will be able to see the rejection reason (where included). Approvers that have already been notified of your request will get an email notification of the rejection too.
Requesters can ask for an amount of money in any currency already activated on their Balance. If another currency is required the Owner would have to activate that currency on the account or balance level first.
Yes, the maximum number of open Funds requests per person is 10.
This happens to a card payment when a transaction is made but the transaction is reversed before the money is taken by the merchant.
The money initially goes into a pending state when it is requested, then before the merchant takes the money it is reversed. The money therefore falls back into your available balance.
Instant bank transfer is a way of paying money into your BilinkPay account. It uses Open Banking to connect directly with your banking app, allowing you to transfer money quickly and securely.
Go to “Add money” as usual, and pick “Instant bank transfer”
Select your banking app, and confirm the payment
If you’re on a desktop, you will need to use your smartphone camera to scan the QR code generated, and follow the steps on your banking app.
Your money should credit in your account in seconds.
Please go to the Balances page, click "View" on the tile of the Balance you want to move money to and then click "Internal transfer" at the top right of your page. You will be able to choose which Balances you are transferring to and from, and how much you would like to transfer.
If you have payments enabled on your account, you can go to the Payments page, and then click "Internal transfer" from there.
To make a transfer, you will need to have the role of Owner or Admin on your account, or a Balance Admin or Balance Payer on the Balance you are paying from.
Access to bulk payments is currently available to some customers on request, but will be rolling out further very soon.
Our batch payments functionality allows you to send upto 10,000 payments at a time, in 35 currencies.
Exchange: A single currency exchange between two currencies.
Payments: An order for an outbound payment to a recipient. Note that if making a payment with exchange, you'll have both an exchange transaction and a payment transaction.
Deposit: A sum received into an account via an inbound transfer.
Forward contract: A foreign exchange (FX) order booked to purchase at a specified price, on a future date. You can choose to either settle the full trade at the end of the contract or drawdown the contract early.
Drawndown: An order that is booked when you choose to settle some or all of your forward contract trade earlier than the agreed future date.
Card: A card payment to a merchant.
Card check: A merchant-initiated check on a card, to ensure that they've got the correct details and that the card is active.
Card refund: A refund from a merchant back to a card. For example, after a purchase has been returned.
Cash withdrawal: A cash withdrawal made with a card.
ATM: instance of a card being used at an automated teller machine (ATM), but that didn't result in a cash withdrawal. For example, someone checking their balance.
Cashback: A cash withdrawal made as part of a card payment.
Chargeback: A charge that is returned after a customer successfully disputes a transaction on their account.
Unload: A transaction during which money is removed from a budget. For example, transferring funds to another budget.
Load: A transaction during which money is added to a budget. For example, receiving funds from another budget.
Other credit: A credit transaction that doesn't fall under one of the other credit transaction types.
Other debit: A debit transaction that doesn't fall under one of the other debit transaction types.
Pending: A transaction that hasn't been fully processed yet. This includes card payments and any order (exchange, payment, deposit) that has been debited from a budget but has not yet fully completed.
Complete: A transaction that has successfully been completed. This includes all completed types of orders and currency balance credits/debits. For example, a card transaction that has been fully processed by a merchant. This is a final status.
Card check: A merchant-initiated check on a card, to ensure they've got the correct details and that the card is active. Once they've completed their check, the status will change to pending if successful or declined if unsuccessful.
Declined: A transaction that has been declined. This is a final status.
Reverted: A card transaction that has been cancelled before it was fully processed. This is a final status.
Refunded: A card transaction that has been refunded.
Open: A forward contract which has been booked and had its deposit paid. Once it has been fully paid, the status will change to complete.
Low balance alerts help you stay on top of your company spending by notifying you when a balance drops below a threshold you set.
Who can set up alerts:
Owners and Admins can configure low balance alerts for any balance in the account.
How to set up alerts
Go to Account settings > Low balance alerts > Create alert
Please contact us immediately if you have any suspicions of fraudulent activity on your account with us.
You can find advice on avoiding fraud and scams here.
Our bilingual support team is here to help — in English and Mandarin. Reach us via the contact page or email us directly.
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