Business Credit Cards in Your Books
Keep a business card as money owed: its statements fed like a bank account, payments from the bank recorded as transfers, the limit, the period and the due date.
A business credit card is money you owe, so it is kept as a liability. Adding a card under Accounting → Credit cards creates its account (between 2101 and 2199) and a register in Banking. Connect the card’s feed or upload its statements there, exactly as for a bank account, and categorize its charges with the same rules and matching.
What the card screen shows
- What is owed, as your books record it, and how much of the limit is used.
- This statement period’s charges and payments, from the statement day you set.
- When the payment is due, and the last statement you reconciled.
- Card lines still to categorize — until they are, the books may owe more than shown.
These are your books’ figures, not the issuer’s. The minimum payment is only on the issuer’s statement. Reconcile a card in Banking by entering the statement’s balance as the amount owed.
Paying the card
“Record a payment” records a payment you already made from a bank account. It is a transfer — the card owed goes down and the bank goes down — never an expense, and both bank lines can then be matched to it. Seayora does not pay cards. You can ask for an email a few days before a payment is due; it is sent once per due date, only when the books show money owed. Only the last four digits of a card are ever asked for.
Related features and guides
- Online Rent Collection Software — Feature. Online rent collection: bank transfers free to the tenant, card payments, AutoPay on the lease’s due date, automatic late fees, roommate splitting and receipts issued when rent settles.
- Uploading Bank Statements: CSV, OFX, PDF and Photos — Documentation. Banking → Statements takes a statement in any format, imports the transactions once, runs your rules and the AI categorizer, and keeps the file, the period and the balances as the paper trail.
- The Mileage Log and Possible Deductions — Documentation. Record business driving with your phone's GPS, label each trip, and see what your books already deduct and what businesses like yours commonly miss — with the IRS rule behind each item.
- Multiple Entities and Consolidated Statements — Documentation. Keep an LLC per building, or a separate equipment company, in the same books — switch between them, and add them up into a consolidated P&L, balance sheet or trial balance.
- Bank Reconciliation Explained (and Why It Matters) — Guide. What bank reconciliation is, why every business should do it monthly, and how bank feeds and rules make it fast instead of painful.
- Bank Feeds & Reconciliation — Feature. Connect bank feeds and reconcile transactions against the ledger, so what the books say and what the bank says actually match.