Funding and Exposure
How to fund and manage your Adyen Account Virtual Cards
Who this is for: Users keeping the virtual credit card accounts funded.
Funds are only required when the supplier charges the card, not when the card is issued. This reduces pre-funding and improves cashflow control.
TL Pay separates account management from card management across two dashboards. Both funding and exposure are monitored on the Virtual cards dashboard.
Funding Virtual Cards account
Funding is managed directly from the Virtual Cards Dashboard - each sub-account header carries its own bank icon:
On the Virtual Cards Dashboard, select the bank icon on the sub-account you want to fund.
Copy the account number and sort code shown (each has a copy button).
Transfer the funds from your whitelisted bank account - the account named during your Adyen application, or an additional funding account added since. The account holder name on the transfer should be your registered business name; funding from a previously verified account processes faster.
Any required funds must be provided in your account prior to any charges, specifically your Adyen Virtual Card account, not your standard TL Pay.
For immediate funding: where funds are held in another of your TL Pay Adyen accounts, use Move Funds (the two-arrow icon on the account tile) - transfers between your own accounts are immediate. See the TL Pay Dashboard page for details.
Single-use cards: fund the exact amount (plus optional tolerance).
Multi-use cards: fund up to the total card limit.
It is also possible to keep a 'float' balance in the account to cater for fast turnaround of card payments, for example paying low cost carriers.
It is mandatory to fund your card from the bank account you used during your application, no other account can be used.
Sub-accounts for cards
Many buyers operate several Virtual Cards sub-accounts, for example, one for hotels and another for airlines, giving each supplier category ring-fenced funds, its own exposure figures and its own alerts. Each sub-account tile carries its own Create VCC button: issue cards from the sub-account they should draw on. Creating and managing sub-accounts happens on the TL Pay Dashboard.
Monitoring your exposure
Each sub-account tile on the Virtual Cards Dashboard shows its Account Balance and Available Funds alongside three live exposure figures, calculated from its active cards’ amounts and Estimated Charge Dates. A red alert indicator appears on any sub-account whose exposure exceeds its available funds.
48h Exposure
Charges expected within 48 hours
7d Exposure
Charges expected within 7 days
Total Exposure
All expected charges on active cards
Operating guidelines: maintain Available Balance above 48h Exposure at all times; review 7d Exposure when planning top-ups or fund moves; and keep Estimated Charge Dates realistic - they remain editable after issuance, so update them when a supplier’s timing changes.
Configuring funding alerts
Two configurable notifications monitor funding on your behalf. Both are set per sub-account (or for all accounts), can be delivered by email, in-platform or both, and can copy additional recipients (separate multiple addresses with a semicolon - useful for shared finance inboxes; or select to notify company Travel Ledger platform admin users).
Configure both alerts under Notifications → Notifications Settings - expand Total Exposure or Low Available balance to set thresholds, sub-accounts and delivery (in-platform, email, or both).
Total exposure alert - monitors total unused card exposure across your sub-accounts and fires when total exposure exceeds available funds. Your early warning that issued cards outstrip the balance backing them.
Low available balance alert - set a threshold per sub-account (e.g. GBP 1,000) and get alerted when a card charge takes available funds below it. This is your top-up trigger before the next charge fails.
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