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SueW
Occasional Member - Level 3

How does Concur apply credits between credit cards?

Recently on our bank settlement when an employee has credits on one credit card, the credits are not applying to charges on the replacement credit card. For example when an employee has a credit on a card, then has fraud on that same card, so the bank issues a new card. The credits from the original card are not applying to the amount due on the replacement card. Our bank is suggesting this is an issue on the Concur side and not the bank side. thoughts?

Sue Westphal
8 REPLIES 8
KevinD
Community Manager
Community Manager

@SueW SAP Concur doesn't charge a user's corporate card or apply credits to cards. All SAP Concur does it brings in card charges based on what is provided in the bank file. 

 

I'm a bit surprised the bank is not taking ownership since they are the ones issuing replacement cards and applying credits. 

 

So the bank can transfer the amount due from the card with fraud to the replacement card, but cannot transfer credits? Seems a little suspect to me. 🙂


Thank you,
Kevin Dorsey
SAP Concur Community Manager
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reedred
Occasional Member - Level 3

Are you simply not seeing the credits in your available transactions when looking to add them to a report?  This can happen if the Concur admin at your company isn't aware of the new card and therefore hasn't assigned it to your profile yet.  I would ask that person to look into your situation.

SueW
Occasional Member - Level 3

We see the credits. However the credits are not applying to the payment because Concur is seeing the two cards as separate accounts.

Sue Westphal
SueW
Occasional Member - Level 3

@Kevin - with our previous credit card provider the refunds from one card could be used to pay charges on the replacement card. It appears that our current set up does not allow that. What would have changed in the set between the two banks? Because Concur initiates the payment it has to be something in the set up with Concur.

 

Sue Westphal
KevinD
Community Manager
Community Manager

@SueW what is the source of employees having a credit on their company card statement? Is it a payment received from Expense Pay? 

 

I'm not well-versed in the behind the scenes payments, but if the credit already existed on the user's card statement, then the payment had already been received. The balance owed on a company card is managed by the bank/card issuer?

 

How would the SAP Concur system "know" the account activity on a card holder's company card statement? SAP Concur doesn't monitor account holder's statements, the system just makes payments. How would SAP Concur know to transfer the credit already applied to an account to a new account? 


Thank you,
Kevin Dorsey
SAP Concur Community Manager
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SueW
Occasional Member - Level 3

The credits are refunds to the employee's card. The refunds come into Concur the same way charges do. The refunds were on the employee's credit card, but then a new card was issued. In the past the refunds on the old card, could be applied to the new card. But this time they did not. Is this a new feature? With our previous card provider the credits from the old card could apply to the newly issued card thru Concur.

 

Sue Westphal
SueW
Occasional Member - Level 3

SueW_0-1663014265526.png

See how the credit was applied toward the payment on this account with our previous card provider?

Sue Westphal
SueW
Occasional Member - Level 3

We learned this is happening because we do not have a preferred credit card provider that allows for negative card payments. I wish Concur would highlight this information when you tell them you are considering changing card providers.

Sue Westphal