Do cardholders need to log in to Meow to use their card?

No. Employees and team members who receive a Meow physical card can use it for purchases immediately.

Physical cards function like any standard Visa business card. Cardholders simply use the card at point of sale or online, and the transaction is processed normally.

What access does a cardholder actually have?

This depends on the role assigned to them when they were invited to your account.

If they were invited as a Card User (the most restricted role), they can only access their own card details and their own transaction history if they choose to log in. They cannot see company balances, other cards, or any other account information.

If they were invited with a broader role (such as Bookkeeper, Controller, or Admin), they'll have access to the permissions associated with that role.

Do they need to accept the invitation before the card works?

They need to accept the invitation before a card can be issued in their name. Once a card is issued.