Modern commercial credit cards empower businesses to manage cash flow and accounting for travel, vendor payments, and operations with control and efficiency.
Offer card products your commercial customers will love.
Feature-Rich Cards for Commercial Customers
Products and features that benefit banks and their commercial customers
Unlike Agent Bank programs, CorServ’s turnkey issuing program enables banks to set commercial credit lines and rebates based on the bank’s knowledge of their customers. You deepen relationships and strengthen loyalty while providing the same future-ready payment solutions and user experiences they expect from the big banks. In CorServ’s program, commercial cards are high-yield products for banks benefiting from 100% of the interchange that can be shared with business customers through rebates.
The fastest-growing corporate card with the most comprehensive expense management.
Purchasing Cards
Purchasing cards improve the purchase and payment process and are used for supplies, vendor payments, operations, travel, and entertainment.
- No annual fee
- Virtual and ghost cards support ePayables for vendors
- Offer custom, automated rebates based on purchase volume in the amount and on the schedule determined by your bank
- Plastic P-cards are assigned to employees with individually customized credit limits
- Designed for companies with annual spend greater than $500K
Powerful expense management for your commercial customers.
Corporate Cards
Corporate cards are frequently used by medium and large companies, non-profits, and municipalities for employee and business expenses.
- A simple, straightforward commercial card program
- Rewards with annual fee or no rewards with no annual fee
- Redeem rewards for cash back as statement credit
- Consolidate billing for a company or individual card billing
- Business admin controls limits and alerts for employee-designated cards
- Designed for companies with 5+ cardholders or limit requirements greater than $50K
Specialty cards for commercial customers with vehicle fleets.
Fleet Cards
Fleet cards are designed to manage vehicle-related expenses, like fuel and maintenance. Often used by local businesses, municipalities and non-profits.
- Driver-or vehicle-issued
- No annual fee
- Cardholders can enter mileage at the pump
- Captures gallons, price, grade, pump number, store name, and location
- Business admin sets spend alerts and controls
- Expense management module included
- Offer cash rebates based on spend volume
Purchasing cards for future-ready commercial customers
Virtual Cards
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Single or limited use virtual card numbers
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12 open fields for sending AP data
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Single or bulk card creation
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Extensive controls and alerts by merchant category
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Simple process to enroll vendors in virtual card payments
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Efficient and safe payment process for your business customers and their vendors
Ghost Cards
Ghost cards for preferred vendors:
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Digital Purchasing card account issued to a specific vendor or supplier, potentially for recurring payments, like monthly subscription services
Ghost cards for ePayables departments:
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Create an unlimited number of virtual card numbers for payments.
Features that power commercial payments
Business admin portal
to manage cards, view transactions, set spend limits and controls
Set transaction limits
and merchant category restrictions, like office supplies
Secured cards available
to take a deposit against potential charge-offs
Modern online application
and digital decision process
Monitor card data
with real-time reporting including L2/L3 data
Manage expenses
with bundled expense reporting from CorServ
Feeds expense reporting tools
(Concur, Certify, Expensify, etc.)
Integrate
with financial management & GL
Unlimited virtual cards
with optional data fields for easy reconciliation
Modern cardholder experience
and IVR
Consolidated or Individual Pay
Hierarchical company setup & admin available
Redeem cash-back rewards
or receive rebates customized by company
Flexible, speed-of-payment
benefit from multiple billing cycles
Mobile App
with key features like receipt capture
Vendor Enablement Service
included at no cost
Spend controls and alerts
customizable for cardholders
Generate virtual cards
Single-use or recurring
Mobile wallet integration
Apple Pay, Google Wallet, etc.
Rebate fulfillment
Tiered and automated
Vendor match process
for card acceptance
Provides RFP and demo support
for large business prospects
Customer service
available 24/7
Interchange insights
at transaction level
Two-way text verification
for suspicious activity
A Business Admin Interface that Supports Commercial Card Management
The Commercial
Cardholder Experience
The admin interface supports role-based administration and company hierarchies. Business admins can issue physical, virtual, and ghost cards, turn cards on/off, set credit limits, set spend controls, receive alerts, manage expense reporting, and access customizable reports.
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Manage credit line
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View and activate accounts
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Manage limits, controls, and alerts
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Restrict spend by Merchant Category Controls
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Issue Physical, Virtual, Ghost, and Fleet Cards
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Manage vendors and ePayables
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Access reports with L2/L3 data
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Manage expense reports
Integrated Expense Reporting that Enhances Commercial Efficiency
Companies today expect data-driven control over their day-to-day processes. Modern expense reporting tools give commercial customers real-time visibility, automated tracking, and smarter ways to manage company spend. Companies already paying for a separate expense reporting system can replace it with CorServ’s at no cost, and CorServ supports export of payment card transactions into other expense reporting systems.
Import card expense transactions
Input cash and mileage expenses
Split expenses
Capture and import expense images
Expense mapping to type and billable accounts
Create and submit expense reports
Organization hierarchy support
View expense report history
Enable multi-approval process
Mapping to AP/GL Systems
Card Products Your Customers Will Love
Offer a wide variety of custom-branded card products to your customers. Issue competitive credit cards to build loyalty, boost retention and enhance bank profit.
End-to-End Program Capabilities
CorServ’s turnkey issuing solution offers banks a simpler way to implement credit card issuing for your commercial, business and consumer customers. From security to 24×7 customer service, CorServ has you covered.
A Competitive Cardholder and Admin Portal
Bring your community bank customers a leading-edge cardholder experience. With a new-and-improved look, our user interface brings community bank credit card issuing to the next level.
