Real Time Feeds

Real Time Feeds (RTF) are card transactions that are received directly from card networks like Visa and Mastercard, without relying on the bank. Connect your cards to Zoho Spend and fetch feeds as soon as you make a transaction using your card.

Connect New Card for Real-Time Feeds

To connect your card with Zoho Spend for real-time feeds:

• Go to Cards on the left sidebar.
• Click the + Connect Card dropdown and select + Connect Corporate Card.
• Before you proceed with the next step, verify if your card supports real-time feed. Then, read and agree to the end user terms and conditions and click Proceed.
• On the page that opens, you can view the steps that you have to perform to connect your card. Read the details on the page and click Continue.
• Enter your card details, including the Card Number, Name, Security Code, Expiry Date, and Country of Issue.
• Mark the checkboxes to authorize the card network to monitor and share your transaction data with the involved parties, and click Connect.

With this, real-time feeds will be enabled for your card. In some cases, you may need to enter an OTP during the card verification process. This happens when the system needs extra confirmation.

Enable Real-Time Feeds for an Existing Card

If you’ve already connected your corporate cards to Zoho Spend to fetch card feeds using Yodlee, Plaid, or Direct Feed Integration, you can now enable real-time feeds to fetch transactions instantly. To do this:

• Go to Cards on the left sidebar.
• Click the card for which you want to enable real-time feeds.
• Click the More icon in the top right corner and select Enable Real-Time Feeds.
• In the pop-up, verify if your card supports real-time feed. Then, read and agree to the end user terms and conditions and click Proceed.
• On the page that opens, you can view the steps that you have to perform to connect your card. Read the details on the page and click Continue.
• Enter your card details, including the Card Number, Name, Security Code, Expiry Date, and Country of Issue.
• Mark the checkboxes to authorize the card network to monitor and share your transaction data with the involved parties, and click Connect.

With this, real-time feeds will be enabled for your card. In some cases, you may need to enter an OTP during the card verification process. This happens when the system needs extra confirmation.

Unsupported Cards and Transaction Types

You can fetch real-time feeds for various types of transactions from Visa and Mastercard. However, certain cards and transaction types are not supported.

Unsupported Cards

• Government administered prepaid cards, including EBT cards.
• Wells Fargo Mastercards.
• Non-reloadable prepaid cards.
• Closed loop cards (store cards, gift cards, etc.)
• Visa’s Flexible Spending Account (FSA) and Health Savings Account card (HSA).
• Insurance prepaid cards.
• Visa Buxx.
• Consumer and Debit prepaid cards.

Unsupported Transaction Types

• Transactions not processed through the Visa payment system or Mastercard payment system. Including fees charged by banks to cardholders that do not occur on Mastercard or Visa payment systems which includes charges incurred from transactions, such as international transaction fees levied by the bank.
• Purchases on debit cards that are authorized by PIN instead of a signature.
• Payments made through other payment methods such as a third-party payment app, where Visa and Mastercard card is chosen as a funding source without presenting the card directly to the merchant.
• Payments of existing card balances.
• Balance transfers.