No card. Give each agent its own key with the sellers it may pay and how much it may spend, approve unusual payments, and keep signed receipts and a full audit trail.
Works until you've picked up your owner key. Check spam first: the email comes from Lumière PayCheck.
One trial per person. By starting a trial you agree to the terms. After 30 days you choose: continue on Business ($49/month) or Builder ($9/month) with the same workspace and keys, or do nothing and keep the free checks.