Merge remote-tracking branch 'origin/main' into chamysoftware-29173

Expensify · Oct 20, 2023 · f89cda6 · f89cda6
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diff --git a/.eslintrc.js b/.eslintrc.js
@@ -37,10 +37,12 @@ module.exports = {
     overrides: [
         {
             files: ['*.js', '*.jsx', '*.ts', '*.tsx'],
+            plugins: ['react'],
             rules: {
                 'rulesdir/no-multiple-onyx-in-file': 'off',
                 'rulesdir/onyx-props-must-have-default': 'off',
                 'react-native-a11y/has-accessibility-hint': ['off'],
+                'react/jsx-no-constructed-context-values': 'error',
                 'react-native-a11y/has-valid-accessibility-descriptors': [
                     'error',
                     {

diff --git a/android/app/build.gradle b/android/app/build.gradle
@@ -90,8 +90,8 @@ android {
         minSdkVersion rootProject.ext.minSdkVersion
         targetSdkVersion rootProject.ext.targetSdkVersion
         multiDexEnabled rootProject.ext.multiDexEnabled
-        versionCode 1001038701
-        versionName "1.3.87-1"
+        versionCode 1001038708
+        versionName "1.3.87-8"
     }
 
     flavorDimensions "default"

diff --git a/...classic/bank-accounts-and-credit-cards/deposit-accounts/Deposit-Accounts-USD.md b/...classic/bank-accounts-and-credit-cards/deposit-accounts/Deposit-Accounts-USD.md
@@ -1,5 +1,75 @@
 ---
 title: Deposit Accounts - USD
-description: Deposit Accounts - USD
+description: How to add a deposit account to receive payments for yourself or your business (US)
 ---
-## Resource Coming Soon!
+# Overview  
+
+There are two types of deposit-only accounts:  
+
+1. If you're an employee seeking reimbursement for expenses you’ve incurred, you’ll add a **Personal deposit-only bank account**.
+2. If you're a vendor seeking payment for goods or services, you’ll add a **Business deposit-only account**.  
+
+# How to connect a personal deposit-only bank account
+
+**Connect a personal deposit-only bank account if you are:**  
+
+- An employee based in the US who gets reimbursed by their employer 
+- An employee based in Australia who gets reimbursed by their company via batch payments
+- An international (non-US) employee whose US-based employers send international reimbursements
+
+**To establish the connection to a personal bank account, follow these steps:**  
+
+1. Navigate to your **Settings > Account > Payments** and click the **Add Deposit-Only Bank Account** button.
+2. Click **Log into your bank** button and click **Continue** on the Plaid connection pop-up window.
+3. Search for your bank account in the list of banks and follow the prompts to sign-in to your bank account.
+4. Enter your bank login credentials when prompted.
+    - If your bank doesn't appear, click the 'x' in the upper right corner of the Plaid pop-up window and click **Connect Manually**.
+    - Enter your account information, then click **Save & Continue**.
+
+You should be all set! You’ll receive reimbursement for your expense reports directly to this bank account. 
+
+# How to connect a business deposit-only bank account  
+
+**Connect a business deposit-only bank account if you are:**  
+
+- A US-based vendor who wants to be paid directly for bills sent to customers/clients
+- A US-based vendor who want to pay invoices directly via Expensify
+
+**To establish the connection to a business bank account, follow these steps:**    
+
+1. Navigate to your **Settings > Account > Payments and click the Add Deposit-Only Bank Account** button.
+2. Click **Log into your bank** button and click **Continue** on the Plaid connection pop-up window.
+3. Search for your bank account in the list of banks and follow the prompts to sign-in to your bank account.
+4. Enter your bank login credentials when prompted.
+    - If your bank doesn't appear, click the 'x' in the upper right corner of the Plaid pop-up window and click **Connect Manually**.
+    - Enter your account information, then click **Save & Continue**.
+5. If you see the option to “Switch to Business” after entering the account owner information, click that link.
+6. Enter your Company Name and FEIN or TIN information.
+7. Enter your company’s website formatted as https://www.domain.com.
+
+You should be all set! The bank account will display as a deposit-only business account, and you’ll be paid directly for any invoices you submit for payment.   
+
+# How to delete a deposit-only bank account  
+
+**To delete a deposit-only bank account, do the following:**  
+
+1. Navigate to **Settings > Account > Payments > Bank Accounts** 
+2. Click the **Delete** next to the bank account you want to remove
+
+# FAQ  
+
+## **What happens if my bank requires an additional security check before adding it to a third-party?**  
+
+If your bank account has 2FA enabled or another security step, you should be prompted to complete this when adding the account. If not, and you encounter an error, you can always select the option to “Connect Manually”. Either way, please double check that you are entering the correct bank account details to ensure successful payments.  
+
+## **What if I also want to pay employees with my business bank account?**  
+
+If you’ve added a business deposit-only account and also wish to also pay employees, vendors, or utilize the Expensify Card with this bank account, select “Verify” on the listed bank account. This will take you through the additional verification steps to use this account to issue payments.  
+
+## **I connected my deposit-only bank account – Why haven’t I received my reimbursement?**  
+
+There are a few reasons a reimbursement may be unsuccessful. The first step is to review the estimated deposit date on the report. If it’s after that date and you still haven’t seen the funds, it could have been unsuccessful because:
+    - The incorrect account was added. If you believe you may have entered the wrong account, please reach out to Concierge and provide the Report ID for the missing reimbursement.
+    - Your account wasn’t set up for Direct Deposit/ACH. You may want to contact your bank to confirm. 
+
+If you aren’t sure, please reach out to Concierge and we can assist!
diff --git a/docs/articles/expensify-classic/expensify-card/Card-Settings.md b/docs/articles/expensify-classic/expensify-card/Card-Settings.md
@@ -1,5 +1,169 @@
 ---
-title: Card Settings
-description: Card Settings
+title: Expensify Card Settings 
+description: Admin Card Settings and Features
 ---
-## Resource Coming Soon!
+## Expensify Card - admin settings and features
+
+# Overview
+
+The Expensify Card offers a range of settings and functionality to customize how admins manage expenses and card usage in Expensify. To start, we'll lay out the best way to make these options work for you.
+
+Set Smart Limits to control card spend. Smart Limits are spend limits that can be set for individual cards or specific groups. Once a given Smart Limit is reached, the card is temporarily disabled until expenses are approved.
+
+Monitor spend using your Domain Limit and the Reconciliation Dashboard.
+Your Domain Limit is the total Expensify Card limit across your entire organization. No member can spend more than what's available here, no matter what their individual Smart Limit is. A Domain Limit is dynamic and depends on a number of factors, which we'll explain below.
+
+Decide the settlement model that works best for your business
+Monthly settlement is when your Expensify Card balance is paid in full on a certain day each month. Though the Expensify Card is set to settle daily by default, any Domain Admin can change this setting to monthly. 
+
+Now, let's get into the mechanics of each piece mentioned above. 
+
+# How to set Smart Limits
+Smart Limits allow you to set a custom spend limit for each Expensify cardholder, or default limits for groups. Setting a Smart Limit is the step that activates an Expensify card for your user (and issues a virtual card for immediate use).
+
+## Set limits for individual cardholders
+As a Domain Admin, you can set or edit Custom Smart Limits for a card by going to Settings > Domains > Domain Name > Company Cards. Simply click Edit Limit to set the limit. This limit will restrict the amount of unapproved (unsubmitted and Processing) expenses that a cardholder can incur. After the limit is reached, the cardholder won't be able to use their card until they submit outstanding expenses and have their card spend approved.  If you set the Smart Limit to $0, the user's card can't be used. 
+## Set default group limits
+Domain Admins can set or edit custom Smart Limits for a domain group by going to Settings > Domains > Domain Name > Groups. Just click on the limit in-line for your chosen group and amend the value.
+
+This limit will apply to all members of the Domain Group who do not have an individual limit set via Settings > Domains > Domain Name > Company Cards.
+## Refreshing Smart Limits
+To let cardholders keep spending, you can approve their pending expenses via the Reconciliation tab. This will free up their limit, allowing them to use their card again. 
+
+To check an unapproved card balance and approve expenses, click on Reconciliation and enter a date range, then click though the Unapproved total to see what needs approving. You can add to a new report or approve an existing report from here.
+
+You can also increase a Smart Limit at any time by clicking Edit Limit.
+
+# Understanding your Domain Limit
+
+To get the most accurate Domain Limit for your company, connect your bank account via Plaid under Settings > Account > Payments > Add Verified Bank Account. 
+
+If your bank isn't supported or you're having connection issues, you can request a custom limit under Settings > Domains > Domain Name > Company Cards > Request Limit Increase. As a note, you'll need to provide three months of unredacted bank statements for review by our risk management team. 
+
+Your Domain Limit may fluctuate from time to time based on various factors, including:
+
+- Available funds in your Verified Business Bank Account: We regularly check bank balances via Plaid. A sudden drop in balance within the last 24 hours may affect your limit. For 'sweep' accounts, be sure to maintain a substantial balance even if you're sweeping daily.
+- Pending expenses: Review the Reconciliation Dashboard to check for large pending expenses that may impact your available balance. Your Domain Limit will adjust automatically to include pending expenses.
+- Processing settlements: Settlements need about three business days to process and clear. Several large settlements over consecutive days may impact your Domain Limit, which will dynamically update when settlements have cleared.
+
+As a note, if your Domain Limit is reduced to $0, your cardholders can't make purchases even if they have a larger Smart Limit set on their individual cards. 
+# How to reconcile Expensify Cards
+## How to reconcile expenses
+Reconciling expenses is essential to ensuring your financial records are accurate and up-to-date. 
+
+Follow the steps below to quickly review and reconcile expenses associated with your Expensify Cards:
+
+1. Go to Settings > Domains > Domain Name > Company Cards > Reconciliation > Expenses
+2. Enter your start and end dates, then click Run
+3. The Imported Total will show all Expensify Card transactions for the period
+4. You'll also see a list of all Expensify Cards, the total spend on each card, and a snapshot of expenses that have and have not been approved (Approved Total and Unapproved Total, respectively)
+By clicking on the amounts, you can view the associated expenses 
+
+## How to reconcile settlements
+A settlement is the payment to Expensify for the purchases made using the Expensify Cards. 
+
+The Expensify Card program can settle on either a daily or monthly basis. One thing to note is that not all transactions in a settlement will be approved when running reconciliation.
+
+You can view the Expensify Card settlements under Settings > Domains > Domain Name > Company Cards > Reconciliation > Settlements. 
+
+By clicking each settlement amount, you can see the transactions contained in that specific payment amount. 
+
+Follow the below steps to run reconciliation on the Expensify Card settlements:
+
+1. Log into the Expensify web app
+2. Click Settings > Domains > Domain Name > Company Cards > Reconciliation tab > Settlements
+3. Use the Search function to generate a statement for the specific period you need
+4. The search results will include the following info for each entry:
+    - Date: when a purchase was made or funds were debited for payments
+    - Posted Date: when the purchase transaction posted
+    - Entry ID: a unique number grouping card payments and transactions settled by those payments
+    - Amount: the amount debited from the Business Bank Account for payments
+    - Merchant: the business where a purchase was made
+    - Card: refers to the Expensify credit card number and cardholder's email address
+    - Business Account: the business bank account connected to Expensify that the settlement is paid from
+    - Transaction ID: a special ID that helps Expensify support locate transactions if there's an issue
+
+5. Review the individual transactions (debits) and the payments (credits) that settled them
+6. Every cardholder will have a virtual and a physical card listed. They're handled the same way for settlements, reconciliation, and exporting.
+7. Click Download CSV for reconciliation
+8. This will list everything that you see on screen
+9. To reconcile pre-authorizations, you can use the Transaction ID column in the CSV file to locate the original purchase
+10. Review account payments
+11. You'll see payments made from the accounts listed under Settings > Account > Payments > Bank Accounts. Payment data won't show for deleted accounts. 
+
+You can use the Reconciliation Dashboard to confirm the status of expenses that are missing from your accounting system. It allows you to view both approved and unapproved expenses within your selected date range that haven't been exported yet.
+
+# Deep dive
+## Set a preferred workspace
+Some customers choose to split their company card expenses from other expense types for coding purposes. Most commonly this is done by creating a separate workspace for card expenses. 
+
+You can use the preferred workspace feature in conjunction with Scheduled Submit to make sure all newly imported card expenses are automatically added to reports connected to your card-specific workspace.
+## How to change your settlement account
+You can change your settlement account to any other verified business bank account in Expensify. If your bank account is closing, make sure you set up the replacement bank account in Expensify as early as possible. 
+
+To select a different settlement account:
+
+1. Go to Settings > Domains > Domain Name > Company Cards > Settings tab
+2. Use the Expensify Card settlement account dropdown to select a new account
+3. Click Save
+
+## Change the settlement frequency
+
+By default, the Expensify Cards settle on a daily cadence. However, you can choose to have the cards settle on a monthly basis.
+
+1. Monthly settlement is only available if the settlement account hasn't had a negative balance in the last 90 days
+2. There will be an initial settlement to settle any outstanding spend that happened before switching the settlement frequency 
+3. The date that the settlement is changed to monthly is the settlement date going forward (e.g. If you switch to monthly settlement on September 15th, Expensify Cards will settle on the 15th of each month going forward)
+
+To change the settlement frequency:
+1. Go to Settings > Domains > Domain Name > Company Cards > Settings tab
+2. Click the Settlement Frequency dropdown and select Monthly
+3. Click Save to confirm the change
+
+
+## Declined Expensify Card transactions 
+As long as you have 'Receive realtime alerts' enabled, you'll get a notification explaining the decline reason. You can enable alerts in the mobile app by clicking on three-bar icon in the upper-left corner > Settings > toggle Receive realtime alerts on. 
+
+If you ever notice any unfamiliar purchases or need a new card, go to Settings > Account > Credit Card Import and click on Request a New Card right away.
+
+Here are some reasons an Expensify Card transaction might be declined:
+
+1. You have an insufficient card limit
+    - If a transaction amount exceeds the available limit on your Expensify Card, the transaction will be declined. It's essential to be aware of the available balance before making a purchase to avoid this - you can see the balance under Settings > Account > Credit Card Import on the web app or mobile app. Submitting expenses and having them approved will free up your limit for more spend.
+
+2. Your card hasn't been activated yet, or has been canceled
+    - If the card has been canceled or not yet activated, it won't process any transactions. 
+
+3. Your card information was entered incorrectly. Entering incorrect card information, such as the CVC, ZIP or expiration date will also lead to declines.
+
+4. There was suspicious activity
+    - If Expensify detects unusual or suspicious activity, we may block transactions as a security measure. This could happen due to irregular spending patterns, attempted purchases from risky vendors, or multiple rapid transactions. Check your Expensify Home page to approve unsual merchants and try again.
+    If the spending looks suspicious, we may do a manual due diligence check, and our team will do this as quickly as possible - your cards will all be locked while this happens.  
+
+5. The merchant is located in a restricted country
+    - Some countries may be off-limits for transactions. If a merchant or their headquarters (billing address) are physically located in one of these countries, Expensify Card purchases will be declined. This list may change at any time, so be sure to check back frequently: Belarus, Burundi, Cambodia, Central African Republic, Democratic Republic of the Congo, Cuba, Iran, Iraq, North Korea, Lebanon, Libya, Russia, Somalia, South Sudan, Syrian Arab Republic, Tanzania, Ukraine, Venezuela, Yemen, and Zimbabwe.
+
+# FAQ 
+## What happens when I reject an Expensify Card expense?
+
+
+Rejecting an Expensify Card expense from an Expensify report will simply allow it to be reported on a different report. You cannot undo a credit card charge.
+
+If an Expensify Card expense needs to be rejected, you can reject the report or the specific expense so it can be added to a different report. The rejected expense will become Unreported and return to the submitter's Expenses page.
+
+If you want to dispute a card charge, please message Concierge to start the dispute process.
+
+If your employee has accidentally made an unauthorised purchase, you will need to work that out with the employee to determine how they will pay back your company.
+
+
+## What happens when an Expensify Card transaction is refunded?
+
+
+The way a refund is displayed in Expensify depends on the status of the expense (pending or posted) and whether or not the employee also submitted an accompanying SmartScanned receipt. Remember, a SmartScanned receipt will auto-merge with the Expensify Card expense.
+
+- Full refunds:
+If a transaction is pending and doesn't have a receipt attached (except for eReceipts), getting a full refund will make the transaction disappear.
+If a transaction is pending and has a receipt attached (excluding eReceipts), a full refund will zero-out the transaction (amount becomes zero).
+- Partial refunds:
+If a transaction is pending, a partial refund will reduce the amount of the transaction.
+- If a transaction is posted, a partial refund will create a negative transaction for the refund amount.