Report and Replace a Lost, Stolen, or Damaged Card

This article explains how to report a lost, stolen, or damaged Emburse card and what happens after you request a replacement. While the steps are similar, replacement behavior differs by scenario.

The steps in this article are shown from a cardholder’s My Cards page. Administrators can complete the same actions from the Admin tab.

Replacement flows apply only to physical cards. Virtual cards do not automatically renew and must be reissued by an administrator.
If your card was issued before January 14, 2026, a replacement card is not ordered automatically when you report it as lost, stolen, or damaged. Contact your administrator to request a replacement card.

Report a Lost or Stolen Card

Use this process if your physical card is missing or you believe it has been compromised:

  1. Log in to your Emburse Cards account.
  2. In the sidebar, select My Cards.
  3. Locate the card you want to report, then select the More options dropdown.
  4. Select Lost or Stolen.My Cards selected in the left navigation, with the More options menu open for a card. The Lost or Stolen option is highlighted.
  5. Select Next.
    Confirm Card Cancellation screen with the Next button highlighted.
  6. Select whether the card was Lost or Stolen.
    Confirm Card Cancellation screen showing Lost and Stolen options.

If your card was lost, proceed to Step 7. If you selected Stolen, you will be prompted to review recent transactions.

  • Select a fraudulent transaction, then select Continue. If none of the listed transactions are fraudulent, select None of these transactions are fraudulent to proceed to Step 7.

To mark more than one transaction as fraudulent, see How do I request a chargeback?

Transaction review screen with recent transactions listed and an option to continue.

  • Enter the required details for the disputed transaction and upload any supporting documentation, then select Continue. 
    Disputed transaction details form with an Upload and Continue option.
  1. Confirm where your replacement card should be shipped:
    • To use your current address, select Continue.
    • To change the address, select Enter New Address, enter the updated address, and select Continue.
      Shipping address confirmation screen with Current Address and Enter New Address options.
  2. Review the cancellation details and shipping address, then select Confirm Cancellation.
    Confirm Cancellation screen with address details and the Confirm Cancellation button shown.
A canceled card will decline future transactions and cannot be reactivated.

You can also report your card as lost or stolen at: https://app.emburse.com/support/stolen/verify.

What Happens After You Report a Lost or Stolen Card

If your card was issued before January 14, 2026, a replacement card is not ordered automatically when you report it as lost or stolen. Contact your administrator to request a replacement card.
  • Your original card is immediately deactivated for security.
  • A replacement card is issued.
  • You receive confirmation once the replacement card is created and shipped.
  • Your admin receives a notification that the card was reported as lost or stolen, including confirmation that a replacement card was automatically ordered.
Contact your administrator if you need a virtual card while you wait for your replacement.

Report a Damaged Card

Report your physical card as damaged if it is still in your possession but no longer usable (for example, it is cracked, worn, or not being read correctly).

Unlike lost or stolen cards, damaged cards are not deactivated immediately. This helps avoid interruptions to spending.

Follow these steps to report and replace your damaged card:

  1. Log in to your Emburse Cards account.
  2. In the sidebar, select My Cards.
  3. Locate the card you want to report, then select More Options.
  4. Select View to open the card details.
    My Cards page with More Options showing View selected for the card.
  5. From the Active dropdown, select Report Damaged.
    Card details page with the Active dropdown showing Report Damaged selected.
  6. In the Report Damaged Card pop-up, select Continue.
    Report Damaged Card confirmation dialog explaining that the shipping address must be updated and that the current card remains active until the new card is activated, with Cancel and Continue buttons visible.
  7. Update your shipping address, if required, and then select Submit.
    Update Shipping Address form showing fields for address line 1, address line 2, city, state, and ZIP code, with Cancel and Submit buttons visible.

  8. In the confirmation message, select View new card to see your replacement card details.

    Confirmation message with View new card selected and replacement card details shown.

What Happens After You Report a Damaged Card

If your card was issued before January 14, 2026, a replacement card is not ordered automatically when you report it as damaged. Contact your administrator to request a replacement card.
  • A replacement card is issued with a new expiration date and security code.
  • Your current card remains active and usable until you activate the replacement.
  • After activation, the original damaged card is deactivated.

After You Receive Your Replacement Card

Activate the new card as instructed. See How do I activate a physical card? for details.

  • Damaged cards are now automatically deactivated.
  • Lost or stolen cards were already deactivated.

Virtual Cards

If you suspect a virtual card is compromised, you can cancel the card by selecting Cancel or Lost or Stolen from the dropdown. Both actions immediately cancel the card but do not initiate a replacement.

  1. Log in to your Emburse Cards account.
  2. In the sidebar, select My Cards.
  3. Locate the card you want to report, select More Options, then select Lost or Stolen if the card has been compromised.
    If the card is not compromised, select Cancel.
    Virtual card menu showing Cancel and Lost or Stolen options.
Contact your administrator if you need a virtual card replacement.

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