General FAQs

FAQs are designed to assist cardholders in answering the most common questions about the SmartPay® program.

  1. How does the GSA SmartPay Program work?
  2. Who qualifies for a Government charge card?
  3. Why does the Government have a charge card program?
  4. What types of charge cards does the Government use?
  5. What are the benefits of charge card use by the Government?
  6. Which banks provide charge cards to the Government?
  7. How much money is spent using Government charge cards each year?
  8. What alternatives are available instead of charge cards?
  9. Federal Government Shutdown: What does the GSA SmartPay 2 Master Contract say about a shutdown?
  10. Federal Government Shutdown: Can I still use my card?
  11. Federal Government Shutdown: Will the banks’ 1-800 customer service call centers continue to operate?
  12. Federal Government Shutdown: Do I still have to pay my individually billed travel card bill?
  13. Federal Government Shutdown: If I am late paying due to the shut-down, will my card become delinquent?
  14. Federal Government Shutdown: What if my card is already delinquent; will I be given more time to pay?
  15. Federal Government Shutdown: My card is about to expire. Will I receive my new card during a shut-down?
  16. Federal Government Shutdown: What if I am on travel during a shutdown?
  17. Federal Government Shutdown: What if I have recurring or automatic payments on my purchase card?
  18. Federal Government Shutdown: What actions should A/OPCs take to prevent potential fraud and/or misuse of GSA SmartPay charge cards during a government shutdown?

How does the GSA SmartPay Program work?

The GSA SmartPay Program manages a set of master contracts through which agencies and organizations can obtain charge cards for employees to accomplish the agency or organization’s mission. Agencies can obtain a number of different types of charge card products and services, including purchase, travel, fleet, and integrated cards.

Agencies and organizations issue a task order under the GSA SmartPay 2 master contracts, and award their program to one of the GSA SmartPay 2 contractor banks (Citibank, JPMorgan Chase, or U.S. Bank). The banks provide charge cards to the agency or organization employees to make purchases on behalf of the agency/organization.


The GSA SmartPay® program provides charge cards to agencies/departments throughout the U.S. government, as well as tribal governments, through master contracts that are negotiated with major national banks.

SmartPay® Charge Cards are for Official U.S. Government usage only.


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