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Products / For Financial Institutions / Commercial Cards

Commercial Cards

First Data provides global commercial card processing expertise and flexible solutions that are easily integrated into your existing systems and processes. Our Commercial Card Products leverage the strength and breadth of the core processing platform with added functionality tailored to the unique authorisation, billing and reporting needs of commercial card issuers and business customers.

In this suite

Corporate Cards

Credit cards that help manage business expenses.

Our automated corporate card programme can help your customers manage travel-related expenses based upon their corporate policies and procedures. Comprehensive controls support purchasing guidelines, data for reconciliation and reporting for overall vendor and expense management.

First Data Advantages

For larger enterprises and government bodies, T&E expenses are a costly management challenge. The First Data Commercial Card can offer customers more effective spending controls, lower risk of employee misuse and data analysis that helps in negotiation of more favourable terms with suppliers. 

Key components

  • Support acceptance of Visa®, MasterCard® and American Express® cards globally
  • Automation—Replace paper processes with electronic payment to reduce administrative costs
  • Flexibility—Clients can define rules on fees, statements, balances
  • Cashflow—The introduction of departmental cost codes and flexible billing to tie in with how they pay suppliers to enable better cash flow management
  • Risk Control—Clients can take control of fraud management via behavioural scoring, as well as the imposition of limits on spending and exception monitoring
  • Cost Saving—Vendor analysis tools (VAT) that help you identify the best deal and the provision of VAT returns

Business Cards

Credit cards for small to medium businesses.

Business cards are designed to meet the unique needs of SMEs by controlling and segregating business from personal spending for purchases of office equipment, business travel and entertainment.

First Data Advantages

Business cards can allow your clients to differentiate effectively between personal and business payment, better manage their cash flow and potentially negotiate discounts at selected business-related merchants.

Key components

  • Support acceptance of Visa®, MasterCard® and American Express® cards globally
  • Automation—Replace paper processes with electronic payment to reduce administrative costs
  • Flexibility—Clients can define rules on fees, statements, balances
  • Cashflow—The introduction of departmental cost codes and flexible billing to tie in with how they pay suppliers to enable better cash flow management
  • Risk Control—Clients can take control of fraud management via behavioural scoring, as well as the imposition of limits on spending and exception monitoring
  • Cost Saving—Vendor analysis tools that help you identify the best deal and the provision of VAT returns

Purchasing Cards

Purchasing cards streamline procurement process and improve spending control.

Purchasing cards enable your corporate clients to automate previously paper-based processes, reducing administrative costs while retaining control as to how and where the card is used.

First Data Advantages

Extensive electronic transaction data enables your corporate clients to improve exception reporting, forecast spend volumes and analyse trends for more accurate business planning. The First Data Purchasing Card can allow for more control and provide efficiencies for accounts payable, compliance and supplier negotiation. 

Key components

  • Support acceptance of Visa®, MasterCard® and American Express® cards globally
  • Automation—Replace paper processes with electronic payment to reduce administrative costs
  • Flexibility—Clients can define rules on fees, statements, balances
  • Cashflow—The introduction of departmental cost codes and flexible billing to tie in with how they pay suppliers to enable better cash flow management
  • Risk Control—Clients can take control of fraud management via behavioural scoring, as well as the imposition of limits on spending and exception monitoring
  • Cost Saving—Vendor analysis tools that help you identify the best deal and the provision of VAT returns

Lodge Cards

Credit cards for managing travel-related purchases.

Lodge Cards are usually related to expenses revolving around travel. Lodge card numbers are lodged directly with the appointed travel management company for travel-related expenditure.

First Data Advantages

The First Data Lodge Card can help large corporate and government agencies to consolidate travel expenditures for contract and temporary staff without the need to reimburse cash or issue a corporate card. Lodge Cards provide your clients with increased control and efficiency through process automation.

Key components

  • Support acceptance of Visa®, MasterCard® and American Express® cards globally
  • Automation—Replace paper processes with electronic payment to reduce administrative costs
  • Flexibility—Clients can define rules on fees, statements, balances
  • Cashflow—The introduction of departmental cost codes and flexible billing to tie in with how they pay suppliers to enable better cash flow management
  • Risk Control—Clients can take control of fraud management via behavioural scoring, as well as the imposition of limits on spending and exception monitoring
  • Cost Saving—Vendor analysis tools that help you identify the best deal and the provision of VAT returns

Commercial Card Management System (d.Cal)

An intelligent management tool for optimising business spending.

An intelligent management tool for optimising business spending. 

First Data Advantages

The First Data d.Cal System is easy to use and lets your corporate clients integrate their commercial card data into major enterprise resource-planning platforms and accounting systems. The d.Cal System provides a work-flow based expense management solution which enables companies to better administer expenses.

Key components

  • Supports all commercial card types
  • Customisable reports
  • Spend analysis tools to enable negotiation of vendor discount
  • Better risk control via behavioural analysis through card data
  • 24/7 access to data for corporate administrators and end users
  • Consolidation of data from various geographical areas
  • Expense management platform
  • Web-based application
Products and services are subject to change without notice and may not be available in all regions. Restrictions may apply to certain services.