Keeping the card secure
The PCard/Travel Card should be treated with the same security as your personal credit cards.
- You are responsible for your own PCard/Travel Card and others are not authorized to use it.
- Keep it with you; do not lock it in a desk or file cabinet.
- Do not write any portion of the PCard/Travel Card number down or share the number with others.
- Do not give the PCard/Travel Card number to a merchant to “keep on file.”
- Sending copies of your PCard/Travel Card to suppliers is discouraged. This practice opens a greater window of opportunity for fraudulent activity and should be avoided.
Lost or Stolen Cards
Call JPMorgan Chase Customer Service immediately if you discover your PCard/Travel Card is lost or stolen.
Fraudulent Charges and Disputing Charges
IMPORTANT: Review your PCard/Travel Card charges frequently in Concur to ensure there are no fraudulent charges on your account. If unauthorized charges appear, or you are unable to verify the nature or amount of a charge, you should dispute the charge.
To dispute a charge:
- Contact JPMorgan Chase Customer Service at the number on the back of your card within 60 days of the transaction date.
- JPMorgan Chase will close your current account and send a replacement card to your billing address.
- Reconcile the transaction in Concur using the expense type “Fraudulent PCard Transactions” within 45 days of the transaction date.
- JPMorgan Chase will investigate the transaction and if fraud is confirmed a credit will be issued to your PCard/Travel Card.
- Reconcile the credit in Concur using the expense type “Fraudulent PCard Transactions” within 45 days of the transaction date.
Cardholder Fraud Alerts
Cardholder fraud alerts are one of the easiest and fastest ways to confirm fraudulent use of a cardholder’s account. Once a cardholder registers to receive cardholder alerts, an alert will be sent when suspicious transactions are identified on their account and a hold will be placed on the card.
Cardholders can sign up to receive email and/or mobile SMS alerts, which will be sent 24 hours a day, seven days a week. You can go to the JPMorgan Chase Commercial Card Portal at any time to delete or add alerts to your account. Additionally, you can opt out of text alerts by replying ‘STOP’ to an alert. Delegates are not able to register a cardholder for alerts.
The cardholder will be directed to reply to the alert and verify if the transaction is valid. If the cardholder responds that the transaction is valid, the hold placed on the account will be removed, and the PCard/Travel Card will be available for use. If the cardholder responds that it is fraud, the hold placed on the account will remain, and the cardholder will be directed to contact JPMorgan Chase Customer Service by calling the number on the back of their PCard/Travel Card.
If fraud is confirmed, the current PCard/Travel Card account will be blocked and a new PCard/Travel Card will be issued. Any transactions marked as fraud will initiate a case to JPMorgan Chase’s Fraud Recovery Team. If you are traveling and your card is blocked, please contact JPMorgan Chase Customer Service at the number on the back of your card for assistance.
JPMorgan Chase will never require you to send account or personal information by text or email. If you have concerns about the authenticity of any alert, please contact JPMorgan Chase Customer Service at the number on the back of your card.