This article covers what each column in the Virtual Card CSV template does and what values it accepts.

To create and upload your file, see Creating multiple Virtual Cards with a CSV file.

Four, out of twenty:

If any of these are empty, the import is blocked and no cards are created.

Every other column is optional — but optional doesn't mean nothing happens. Most columns have a default that applies when you leave them blank, and for the true/false columns you have to actively enter false to turn something off. The defaults are listed against every column below.

Mostly not, with one important exception:

Use limit_type and limit_amount together — fill in both or neither. One without the other blocks the import.

limit_type accepts DAILY, WEEKLY, MONTHLY, ANNUAL, or LIFETIME. limit_amount is a plain positive number in dollars, with at most two decimal places — 100 or 99.99. No currency symbols, no thousands separators. Keep the figure under 13 characters.

For example, limit_type = MONTHLY and limit_amount = 500 creates a card that can spend up to $500 per month.

If you leave both blank, the card is created with a lifetime limit of $720,000 — the maximum the card issuer allows, so in practice there's no spending cap.

Use one or the other — not both.

To restrict to one merchant, set brand_locked = true and merchant_slug. These two always travel together: a brand-locked row with no merchant is blocked, and a merchant on a row that isn't brand-locked is blocked too.

To restrict to a category, use mcc_code on its own. It doesn't need brand_locked.

Examples:

Don't set both merchant_slug and mcc_code on the same card. Pick the restriction you want and leave the other column empty.

Leave all three blank and the card has no merchant restriction.

Copy it exactly: lowercase, hyphenated, no spaces. Saks Fifth Avenue won't work — saks-fifth-avenue will. Don't include /store/.

Fluz tip: Some merchants have similar names. Open the store page and confirm it's the right one before copying the slug.

MCC (Merchant Category Code) is an industry standard, not specific to Fluz. Find the code for a category using any public MCC lookup tool — 5411 is grocery stores, for example. It has to be exactly four digits.

If your spreadsheet drops a leading zero, format the column as text before saving.

There are two funding sources: your Fluz balance and a linked bank account.

Your Fluz balance funds the card when you leave bank_account_id blank, when you give a user_cash_balance_id, or when you set use_default_cash_balance = true. Otherwise the named bank account funds it.

use_rewards and use_prepayment are on by default. If you don't want a card drawing on those balances, you have to put false in the cell — leaving it empty isn't the same thing.

Neither user_cash_balance_id nor bank_account_id is checked for format during the import, so a wrong value won't be caught at review. The row fails later, while the card is being created.

Paste it into user_cash_balance_id without /spend-accounts/ or ?tab=OVERVIEW.

Each spend account has its own ID. If you need a new one, use Create spend account, then open it to get its ID.

Bank account IDs aren't shown in your Fluz account today. Contact support and we'll send you the bank_account_id for each of your linked accounts. Paste the value exactly as we provide it.

Leave the column blank and your cards are funded from your Fluz balance instead.

Spreadsheets reformat dates silently, so set the column to text if 2026-12-31 keeps turning into something else.

You can unlock a card from the card details page. See Freezing/unfreezing your Virtual Card.

Yes, if your template includes the sharing columns.

role_level needs email_address — a role with nobody to give it to blocks the import. An email with no role is fine.

role_level has nothing to do with who can run an import. It's the access level for the teammate receiving that card.

Yes. Use card_nickname, up to 50 characters.

Nicknames have to be unique within your file. Capitalisation and surrounding spaces are ignored when comparing, so Travel Card and travel card count as the same. Every row sharing a nickname is flagged, not just the later ones.

A nickname that already exists on your account doesn't block the import — that row is skipped during creation instead, so no duplicate card is made.

Leave it blank and the card is created with no nickname.

Yes. Use street_address_line_2 for an apartment, suite, or floor, like Apt 4B.

Columns 19 and 20 appear only in the sharing version of the template.

The following columns depend on each other.

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