Commercial Credit Card Solutions
Digital Payments
Moving accounts payable into the fast lane.
Commercial Rewards Card
More than a way to pay, the Commercial Rewards Card offers an all-in-one card, expense and travel management solution. This is ideal for organizations that need more than a small business card to improve efficiency and manage growth but want simplicity and savings. The Commercial Rewards Card is a scalable card solution for purchasing and travel, designed for organizations with $250,000 to $10 million in annual card spend.
Versatility
- Benefit from a single card designed to simplify supplier payments, streamline travel booking and expense reporting and improve working capital management.
- Increase payments efficiency with an intuitive, all-in-one platform for card, expense and travel management.
- Choose between rebates or points – all with no annual fee.
- Liability at the corporate level – no personal guarantee required.
Simplicity
- A complete card solution for both purchasing and travel, designed for the fast-paced demands of emerging middle-market companies.
- Intuitive, best-in-class platform enables simple card administration, streamlined expense management and integrated travel booking capabilities.
- Automated end-to-end expense submission, mobile app receipt capture, approval workflow, reconciliation and simple integration to financial systems replace inefficient manual processes.
- Straightforward application is easy to complete, with no personal guarantee required; and onboarding is efficient and fast.
Scalability
- A complete card solution built to scale with your growing business – increase purchasing power, leverage float to improve cash flow and replace manual processes to enhance productivity.
- One intuitive user experience within an award-winning platform that integrates card, expense and travel management – streamlining payments and processes, providing deeper insights into expenses and enhancing control over staff spending.
- Improved expense management with customized spending controls for individual cards, a convenient dashboard view of reporting and built-in expense and travel policies.
- A program with no annual fee that allows your company to earn points or cash rebates.
Commercial One Card
Empower your business with a commercial card that delivers simplified expense management, robust reporting and improved control. The Commercial One Card combines powerful purchasing capabilities with benefits for corporate travelers in a single card program, offering the convenience of one process, one platform, one invoice and one card.
Purchasing
- Utilize controls that manage daily spend and purchase limits.
- Reduce check usage to virtually eliminate manual processes, lower operating expenses and mitigate fraud risk.
- Improve cash flow by extending payment terms with card purchases.
- Streamline and automate reconciliation.
- Enjoy travel benefits along with a rebate incentive on qualified purchases – all with no annual fee.
Spend Management
- Manage all expenses with a comprehensive suite of online tools.
- Utilize advanced transaction reporting to identify ways to save money and reduce slippage.
- Guard against misuse and fraud with advanced security features.
Working Capital
- Improve cash flow by extending payment terms with card purchases.
- Leverage advanced reporting to identify opportunities to reduce costs and improve cash management.
- Create process improvements, enhance visibility and improve security.
S&T Bank. Member FDIC.
S&T Bank is not affiliated with Elan Financial Services.
The creditor and issuer of your charge card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
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