> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.chrisp.chat/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Before/After: what's changed regarding Spendesk/your Visa Business Premium cards?

This article is part of a collection of articles regarding your free upgrade to an improved Spendesk (Spendesk Financial Services).

**Have a look below for more info:**

|  | Before | After |
| --- | --- | --- |
| Payment Institution License | Okali | Spendesk Financial Services |
| Card scheme and processing | Scheme: MastercardCard Processor: FISMoney Transfer Connections: ArkeaSegregated Accounts: ArkeaCore Banking System: Bankable | Scheme: VisaCard Processor: MarqetaMoney Transfer Connections: BPCESegregated Accounts: NatixisCore Banking System: Spendesk Financial Services |
| Risk policy | Geographies: EEA (excluding Estonia, Cyprus, Slovenia, Iceland and Liechtenstein), UKIndustries: Some prohibited industriesRisk Assessment: the overall risk assessment is determined by the highest of 4 triggers: industry, legal form, shareholding structure, presence of politically exposed person (PEP). | Geographies: EEA onlyIndustries: case-by-case by ComplianceRisk Assessment: smoother process with no discriminating factors (TBC) |
| KYC/Trial | KYC flow with our banking partner.10k trial available for low-risk clients. | KYC flow with our banking partner.No trial is available. |
| T&Cs Signature | Electronic signatureManual signature possible | In-app checkbox |
| Top-up | StripeSEPA wire transfer | SEPA wire transferInstant SEPA (not on weekends nor public holidays) |
| Account Statements | Current Month (M) data and balance are displayed | No current month (M) data or balance is displayedMonth M-1 data/balance is displayed and exportableDaily account statement available for daily transactions |
| Currencies & geographies | Any geographyEUR, GBP, USD, NOK, SEK, DKK accounts | European Economic Area (EEA)EUR (SEPA only)No other currency nor geography for now |
| Card Types | Mastercard Business | Visa Business Premium |
| Card limits |  [https://helpcenter.spendesk.com/en/collections/2341162-card-limits](https://helpcenter.spendesk.com/en/collections/2341162-card-limits)  |  [https://helpcenter.spendesk.com/en/articles/8764665-sfs-card-limits](https://helpcenter.spendesk.com/en/articles/8764665-sfs-card-limits)  |
| Subscription cards | Valid for 4 years | Valid for 2 years |
| Card shipping | 1-3 weeks | 2-3 business days + shipping |
| Card tracking | Shipping Status available for Spendesk workers | Shipping fulfillment status (ordered, rejected, shipped, not delivered) availableTracking Number available |
| Pay with a physical card | Wherever Mastercard is accepted | Wherever Visa is accepted |
| Funds held |  | Natixis |