Credit Card and Payment Services

Increase efficiency in making and reconciling payments and you can reduce administrative costs, help realize the benefit of early payment discounts and improve supply chain satisfaction. Tap all these benefits, and reduce fraud risk with accessAPcard®, a powerful ePayables tool.

Key benefits for you

• Improves A/P efficiency and control over payment timing
• Increases Days Payable Outstanding
• Optimizes working capital
• Reduces fraud risk, increases cost savings
• Add to card’s rebates – a new revenue stream

Key benefits for suppliers

• Improves cash flow
• Guarantees payment
• Reduces Days Sales Outstanding
• Eliminates check processing fees and delays
• Provides detailed remittance advice
• Enables relief from PCI and regulatory requirements

Power better payments control with our flexible and comprehensive suite of reporting solutions. From reconciliation to program administration, our reporting solutions will help you seamlessly consolidate, manage and analyze financial data from your card programs. Whether you need CentreSuite® reporting that offers anytime, anywhere access to data, to SmartData available in 14 languages or traditional hard copy reports, our reporting options allow:

• Improved decision-making
• Effective monitoring of policy adherence, overall corporate credit limit and spending
• Evaluation of individual cardholder transaction activity and history
• Informed negotiation of vendor discounts

What’s more, your individual card holders benefit from convenient complimentary Online Account Access to view transactions, and make payments if they are individually billed.

Reduce the time and hassle required to manage and reimburse business travel expenses, while taking greater control over spending. Our Corporate Card allows you to customize restrictions by individual or cardholder group, tailoring guidelines to departmental or employee needs. And, select the billing, account and reporting options that meet the unique needs of your finance team.

Benefits for cardholders

• Acceptance at more than 49 million locations worldwide
• Travel accident and baggage delay insurance
• Primary car rental insurance
• VAT reclaim services for EU purchases
• Cash access at over 1 million ATMs
• 24/7 cardholder support

Benefits for companies

• Extensive T&E transaction data for analysis
• Ability to set individual spending, transaction volume and amount limits
• Security enhanced contactless chip and PIN card
• Enhanced fraud alerts
• Choice of cardholder or corporate billing
• Easy monitoring of individual cardholder transactions and history for travel policy adherence
• Allow segregation of charges by merchant type in a diversion billing account
• Enable employees without cards to purchase from select vendors with ghost accounts

Finding smarter ways to spend is an essential part of business management. With our Everyday Points® Business Card, the purchases you make in the course of daily business earn you points that can be redeemed for a variety of rewards. The card offers a range of options for applying these points, you can choose to reinvest them in your business or reward yourself and your employees.

Benefits for cardholders

• Acceptance at more than 49 million locations
• If you choose for your employees to earn the points
• Earn 2 points for every $1 spent
• Redeem rewards starting at 6,000 points
• Improved morale
• MasterRental insurance
• Travel accident and baggage delay insurance
• Mastercard ID Theft Protection
• The Business Assistant concierge service
• 24/7 cardholder support

Benefits for companies

• Combined purchasing and travel functionality
• Security enhanced contactless chip and PIN card
• Greater control over spending and speeding
• If you choose for your company to earn the points (benefits above plus)
• Receive cash back rewards to reinvest in the business
• Fund travel expenses
• Provide gift cards to employees as rewards
• Additional rebates from the Mastercard Easy Savings® Program
• Insurance benefits above and MasterCoverage® - liability protection program helps protect against misuse of company credit card privileges
• Dedicated program administrator services

Whether you do business in a store, online or on the road, having the flexibility to accept purchases — the way your customers want to pay — is key. Citizens Merchant Services* offer a broad range of card-based and alternative payments methods, including:

• Processing through on-site point of sale terminals, personal computer, online shopping cart or mobile device
• Direct connections to accept major credit cards
• Debit card processing with PIN entry
• Contactless payments through a smartphone or tablet
• Electronic Benefits Transfer (EBT) processing for government-issued cards
• Recurring payments, deducted from a credit card or bank account
• Check processing with instant approval or denial

Identity theft and cybercrime are on the rise. It’s critical to protect data integrity at each stage of the transaction with:

• Optional, end-to-end payment encryption
• Check conversion to electronic, debit-like transactions
• Quickly verified transactions
• Payment Card Industry (PCI) tools to validate compliance

oneCard is a complete business payment and expense management solution for your organization: tailored to your needs, customized to the cardholder and powered by flexible reporting. When you need card program flexibility, oneCard delivers. Choose any combination of purchase or travel functionality. Select controls, reporting, account and billing options to meet your company and employee needs. Customize spending limits, transaction amounts and merchant types by individual or group. Even set your billing date to match your accounting cycles.

Benefits for cardholders

• Acceptance at more than 49 million locations
• Primary car rental insurance
• 24-hour roadside assistance
• VAT reclaim services for EU purchases
• Cash access at over 1 million ATM locations
• 24/7 cardholder support

Benefits for companies

• Combined purchasing and travel functionality
• Flexible cash access, spending, transaction volumes and limits
• Security enhanced contactless chip and PIN card
• Enhanced fraud alerts
• Choice of cardholder or corporate billing
• Segregated charges by merchant or fee type
• Enable employees without cards to purchase from select vendors with ghost accounts

Accelerate procurement, improve cash flow, reduce paperwork and administrative costs, and earn rebates with our Purchasing Card. Improve cash flow by paying suppliers for goods and services, and reducing reliance on cumbersome purchase order systems and checks. Charges can be aggregated into a convenient single monthly payment.

Benefits for purchasers

• Acceptance at more than 49 million locations
• Primary car rental insurance
• 24-hour roadside assistance
• VAT reclaim services for EU purchases
• Cash access at over 1 million ATM locations
• 24/7 cardholder support

Benefits for suppliers

• Accelerate payment receipt
• Improve cash flow
• Eliminate the need to handle and deposit checks, saving time and reducing administrative burdens
• Leverage cost savings to offer price discounts and attract new customers