Managing My Hatch Card

When will my payment be reflected?

All payments are processed through bank ACH transfers which require 3-4 business days to settle. Successful payments will be reflected on your dashboard as soon as we get confirmation of settlement and at that time your available credit will reflect the payment.


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Why was my transaction declined online?

There are a few reasons your transaction could have been declined. Step one is to ensure that you have activated your card. Additionally if you are making an online purchase, the business address and zip code must be utilized as the billing address requested by the online provider. Please also ensure you know your credit limit, if you are trying to make a purchase that is higher than the limit accessible to you at that time, you will automatically be declined for the purchase.


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What is my billing address?

The billing address associated with your Hatch Card is the business address that you provided in your application. Please ensure you enter the correct billing address for all online purchases, otherwise your transactions may be declined.


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How is my minimum payment calculated? 

If you have a 24% APR, the monthly minimum payment due will be the greater of $10 or 2.8% of the statement balance. However, if you are carrying outstanding balances, then the minimum payment may be larger than the calculation stated above.


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How can I close my account?

Please email us at help@hatchcard.com to close your account.

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Can I add a PIN to my Hatch Card?

The Hatch card does not have pin functionality as cards may not be used for cash withdrawals. All transactions are processed through chip-and-signature only.

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Can I Delete my Information?

Federal law requires that we obtain, verify and record information that identifies the individual applying. As such we cannot delete application information at this time.

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What do I do if my Hatch Card is stolen?

Please call this number to notify us as soon as possible: 855.568.7596. We will get your old Hatch Card deactivated, and send a new one your way!

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What do I do if I lost my Hatch Card?

Please call this number to notify us as soon as possible: 855.568.7596. We will get your old Hatch Card deactivated, and send a new one your way!

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Is my balance updated in real-time?

Your balance amount, pending transactions and completed transactions will be available on your Hatch Dashboard in real-time. Once your pending transactions are approved, your balance amount will be updated to reflect them as completed transactions.

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How do I check my balance on my Hatch Card?

You can log into your Hatch Dashboard here to check your balance on your Hatch Card and to see other information regarding your card.

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How do I make payments?

You can make payments on your existing balance through your Hatch Dashboard.

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My balance doesn’t look right to me, what should I do?

First, check your transactions to ensure they’re all purchases that you recognize. Then, check your pending transactions to see if they have posted as completed transactions yet. You can do all of this through your Hatch Dashboard. If you still see a discrepancy, feel free to reach out to us via phone or email or through our chatbot.

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How long do I have to pay off my existing balance before interest starts to accrue?

You’ll receive an account statement via email and on your Hatch Dashboard at the end of your billing period. If you have not previously carried a balance, then you will have 14 days to pay off your balance before interest will begin to accrue on any remaining balance. If you currently carry a balance, then interest will start to accrue on the date that you make the purchase.

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What if I need a few more days to make my payment?

We understand that sometimes unexpected things happen in your business that create difficulties or hardship. Please contact us at help@hatchcard.com or 888.516.2369 as soon as you know you'll need more time and we'll do our best to help you. The earlier we find out, the more we can help you.

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Can I change the bank account associated with my Hatch Card?

Yes! You can easily link or unlink your bank accounts through your Hatch Dashboard. Be sure you know your online login information for the bank that you want to link in order to make this process as easy as possible. You will be required to keep at least one bank account linked at all times.

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How is my minimum payment calculated?

We calculate the Minimum Payment Due by determining the amount required to fully repay the New Balance in equal installments, based on an amortization schedule for a loan in the principal amount of the New Balance bearing interest at the APR and payable over 60 months.

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Does the Hatch Card have a grace period?

Yes! The Hatch Card has a 14 day grace period between when the statement closes and when the payment is due before any balance added over that statement period starts accruing interest. There is an option to make the minimum payment due, or to pay more at that time in order to avoid interest.

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