> For the complete documentation index, see [llms.txt](https://docs.zebec.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.zebec.io/zebec-application-suite/enterprise-payroll/cards-for-payees.md).

# Cards for payees

Employees and contractors paid through Zebec Enterprise Payroll can load accrued pay onto a Zebec Card and spend anywhere Mastercard is accepted.

## How it works

1. Your employer runs payroll.
2. Pay accrues in your Zebec account (in real time if streaming is enabled).
3. From your dashboard, choose **Withdraw → To Zebec card**.
4. The funds are loaded onto your card and ready to spend.

## Why use a card?

* Spend your pay like normal money, in groceries, rent, and everyday purchases.
* No need to manage exchanges or off-ramps yourself.
* Works anywhere Mastercard is accepted.
* Useful if you live somewhere with limited banking access.

## Card programs

The same card programs available to SuperApp users are available to payroll payees:

* [Silver Card](/zebec-product-information/cards/silver-card.md): single-use, USD/EUR/GBP.
* [Carbon Card](/zebec-product-information/cards/carbon-card.md): reloadable, USD.

Your eligibility for a particular card program and currency depends on your country of residence. See [Card availability and restrictions](/zebec-product-information/cards/availability-and-restrictions.md).

## Splitting your pay

You do not have to choose between wallet and card. From your dashboard you can split pay between:

* A wallet address (self-custody / savings)
* A Zebec card (spending)

You can change the split at any time.

## Fees and limits

Fees and limits depend on the card program you choose. See the individual card pages for details.

If a card transaction is declined, make sure you are not trying to use the card in a [restricted country](/zebec-product-information/cards/availability-and-restrictions.md#where-cards-cannot-be-used).