Yes, employees can have multiple funds issued to them simultaneously. Each fund represents a separate spending allocation with its own balance, limits, and rules.

Yes. Physical cards cannot be used until funds are issued to the employee. The card itself has no money—it's just a payment instrument. Funds are spending allocations that contain the actual budget, limits, and rules. When you make a purchase with your physical card, it draws from one of your available funds.

A spend program is a reusable template that defines spending rules and policies. A fund is the actual money allocated to an employee or team, either issued from a spend program or created individually.

Funds are predefined spending balances set aside for specific purposes, such as departments, projects, or teams. They carry spending limits and policies, and transactions are approved or declined based on available funds and applicable controls.