Hydrogen is one of the few platforms that offers both Consumer Reloadable ("Consumer Funded") and *Supplier Payment ("Business Funded") card programs. It can sometimes be confusing to first-time card issuers on the difference between the two.
Below, we break down some of the key differences between these card programs:
| Feature | Consumer Funded | Business Funded |
| Onboarding Time for a New Program | 15-20 Business Days | 3-5 Business Days |
| Card/Wallet Funding Source | Consumer Loading and Business Reserve Account Push | Business Reserve Account Push Only |
| End Cardholder Funding Accepted | ACH Pull, ACH Push, Direct Deposit, Cash Top-Up, Third-Party Wallet | N/A |
| End Cardholder Profile | External Users (i.e. Customers) | Internal Users (i.e. Employees) |
| End Cardholder Type Accepted | Individual, Sole Proprietor, Contractor, Single Member LLC (** Multi-Member LLC, C-Corp, S-Corp, Non-Profit Coming Soon) | Employee of Company Only |
| Card Load Maximum (per day) | $2,500 | $200,000 |
| Card Balance Maximum (per card) | $10,000 | $200,000 |
| Card Payment Maximum (per day) | $2,500 | $200,000 |
| KYC Required for End Users | Yes | For Expense Cards with Personalization Only |
| Max Cards Per End User | 5 | Infinite for Supplier Payments, 4 for Expense Management Cards |
| Reloading of Cards Allowed | Yes | For Expense Management Cards Only |
| Rotating Card Numbers (PAN) Available | No | Yes |
| Anonymous Payments (i.e. no AVS check on the cards) | No | Yes (Supplier Payments Only) |
| Card Network | Mastercard | Visa |
| Hydrogen White Label App Available | Yes | No |
| Company Logo on Cards | Yes | Yes (Your Company Only, No Re-Selling Allowed) |
| ATM Access | Yes | No |
* Expense Management cards will be added to the Hydrogen Business Funded card options in 2022. The features on this card type have been included in the table above for reference.
** Hydrogen is also exploring a Business Reloadable card program, which would be similar to the features in the Consumer Funded column above, but allow tech platforms to target C-Corps and other corporate entity types for an externally funded card program. These programs are difficult to offer, because the process of onboarding corporations is manual throughout the industry. This is why you are forced to go into a bank branch to open a commercial bank account for your business. Know Your Business (KYB) tech is improving, so we hope to work with a BIN sponsor for this program soon.
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What is the difference between a Supplier Payment Card Program and Expense Management Card Program?