Currently, Mekari Expense offers a Physical Card, a physical transaction card that you can use. Beforehand, you need to request the card creation first through the Mekari Expense platform. Here are the steps.

Important
Your Physical Card request will be processed during business days with a card delivery process taking 3-5 days depending on your location.

1. Log in to your Mekari Expense account, then select the Card menu.
2. Click the “Physical card” tab.
   
3. Then click “Request physical card”.
   
4. Next, on the Add new card page, fill in the Card name, Card purpose, and Card holder.
   

5. Then specify the Account and Card limit.
   

   - There is a Main account balance which is the total balance in your Account. Learn more about how to create an Account here.
   
   - Make sure the balance on the Card limit is sufficient.
   - The Physical Card limit will always be updated monthly as long as the user pays the monthly bill.
   - The Physical Card limit is IDR 5,000,000.

6. Next, check the toggle if you have agreed to the existing Terms and Conditions.
   
7. Then click “Save”.
   
8. Next, the requested card status will change to “Processing & Handling”.
   

9. Then our team will send an email containing forms that you are required to fill out.

   The forms include:
   - Photocopy of ID card (KTP) [Required].
   - Photocopy of Tax ID (NPWP) [Optional].
   - Photocopy of office ID card [Optional].
   Make sure all forms, whether softcopy or hardcopy, are completed and you send the data back to our team via email.

10. Then your card will be further processed. After the card number is created, MNC Bank will send a dummy PIN via SMS to your phone number even though the card has not yet been sent. After the physical card is made, the time it takes for employees to receive the card will vary depending on the company’s location (5 days after card creation).

    This process occurs outside the Mekari Expense platform.

11. After the card is successfully created, MNC Bank will send the Physical Card and provide a tracking link so you can track the card delivery.

    This process occurs outside the Mekari Expense platform.

12. If you have received the created card, our team will inform you about several ways to activate the card.

    Activating the Physical Card can be done partially or fully.
    A. Partial Activation
    If you activate the card partially, you can only use the card for Online Transactions.
    
    There are 2 ways to activate the card partially:
    1. Via Mobile Apps (Coming soon).
    2. Use the MNC IVR service by calling 1500188.
    
    B. Full Activation
    If you activate the card fully, you must activate the card and change the dummy PIN previously sent by MNC Bank via SMS. The dummy PIN replacement process is as follows:
    
    1. The dummy PIN can be changed to your desired PIN via an ATM machine or simply by calling the IVR service at 1500188.
    2. The dummy PIN will be sent to employees via phone number 1 day after their soft copy data is sent to MNC.
    3. If you cannot obtain the dummy PIN, you can report this issue to Mekari and the team will assist on their behalf.
    
     

13. Then the created card will appear on the following page with the status ‘Active’.
    
14. Click “View detail” to see the detailed information on the card.
    

15. On this page, you will see a preview and information of the created card.
    

    - In the Card limit section, there is an Outstanding Balance which is the balance that must be paid by the 10th for transactions from the previous month. For example, on February 27, transactions between January 25 and February 25 must be paid before March 10.
    
    - Contact our team if you want to increase the card limit.

16. Additionally, you can perform a Top up by clicking “Top-up card balance”.
    

17. Then enter the Top-up amount. Make sure the balance in the Main account, Card limit, and Remaining balance is sufficient.
    

    After you click “Proceed”, the Balance will be immediately deducted, but the top-up status will change to ‘In progress’. In this case, the top-up will be reviewed by the internal team on business days at 9:00 AM and 2:00 PM. Top-ups made after 2:00 PM will be processed on the next business day.

18. On this page, you can also monitor every Transaction History and Top-up History that has been made.
    

     

That is how to create a Physical Card on Mekari Expense.