
CARD SOLUTIONS
STREAMLINE, RECONCILE AND ENHANCE CONTROL OF BUSINESS PAYMENTS
Introducing our range of Commercial Card solutions.
When you want to streamline payment processes and drive efficiencies in your organisation, our solutions can give you a range of payment options for travel, entertainment and business supplies.
As well as optimising working capital across your business, our cards can also deliver:
- Greater control and security over your business expenses, with online access to card spend.
- Enhanced reconciliation and simplified expense claim processes.
- Automated and enhanced data capture linked to your current software, producing reports tailored to your business.
- Prompt supplier payment, opening up opportunities to discuss and improve commercial terms.
- Euro and US Dollar billed solutions to eliminate conversion costs when transacting in those currencies.
The right product for your business:
Your need |
Our solution |
How it works |
Payment Network |
|
---|---|---|---|---|
Your needPaying across multiple categories – travel, entertainment and business supplies. |
Our solutionCorporate MultiPay![]() |
How it worksCards used by employees in person, online or by phone, or embedded with key suppliers. |
Payment Network![]() |
|
Your needEffective management of travel and entertainment expenses. |
Our solutionCorporate Charge Card![]() |
How it worksCards used by employees in person, online or by phone. |
Payment Network |
|
Your needPaying and reconciling high volume business supplies. |
Our solutionCorporate Purchasing Card![]() |
How it worksCards used to procure goods or services by employees in person, online or by phone, or embedded with key suppliers. |
Payment Network |
|
Your needMaking payments to your Travel Management Company (TMC). |
Our solutionBusiness Travel Solution![]() |
How it worksPayment mechanism embedded within your TMC booking system. |
Payment Network |
|
Your needDigital payment solution for colleagues’ travel and business purchases. |
Our solutionePay Virtual |
How it worksUnique virtual card numbers are raised for individual purchases to control usage and spending. |
Payment Network![]() |
|
Your needElectronic payments to ad hoc suppliers. |
Our solutionePayables![]() |
How it worksA unique, virtual card solution allowing supplier payments to be driven directly from your Accounts Payable. |
Payment Network |
Working capital
Commercial Cards can help you optimise working capital while improving payment processes.
- Longer payment cycles created by consolidating card purchases into a single monthly account.
- Reduced cost of capital with up to 45 days to pay interest free on Sterling purchases.*
- Take advantage of early payment discounts, with suppliers typically receiving payment within 4 business days while you pay later.
- Eliminate cash advances for Travel & Entertainment purposes, with an easy to control payment method.
Reporting and reconciliation efficiencies
Our payment solutions can simplify the reconciliation process and enhance reporting efficiencies. We can provide access to web-based reporting and management information systems.
- Tailored reports and data integrated within your current accounting and expense management software systems.
- Efficient invoice processing from automated transaction information and coding.
- A streamlined system removing the need to raise Purchase Orders, meaning less administration and reduced time in reconciling payments.
- Access to spend data through one online data management system.
- Colleagues having a simpler, quicker and more efficient way of managing expenses.
- Customisable management systems to fit with your organisation’s specific needs.
- Automatically generated reports and data, with online access to colleague expense information 24/7.
Security & Control
Our cards are designed to give you control over how and where your colleagues spend your business’ money, while allowing you to monitor and analyse colleague spend in real time.
- Options to set colleagues’ transaction/monthly limits and spend categories.
- Automated management information: control, manage and analyse supplier spend patterns.
- Provides appropriate oversight to ensure colleagues’ purchasing is in line with risk and governance policies.
- Simplified expense claim processes and added convenience for colleagues.
- Online access to accounts.
Customer Servicing
Our dedicated, UK team based in Milton Keynes is here to help you when you need assistance or have any questions about your Commercial Cards programme, including our online servicing and data management systems.
Here you can find all of our useful contact information.
Commercial Card Internet Servicing
Commercial Card Internet Servicing (CCIS) is our online card management service that allows you to manage your Corporate Card Programme efficiently, giving you control of your finances 24 hours a day, 365 days a year.
Programme Administrators can
- Manage multiple cardholders and card programmes.
- Gain insight into your card programme spend using reporting tools.
- Access your monthly statements in real time.
- View the past 12 months transactions and statements.
- Allocate and manage credit lines and authorisation controls.
- Register cards individually or in bulk without paper forms.
- Design personalised cards with your corporate images and logos.
- Access your services securely online.
What your cardholders can do
- Manage all their commercial cards in one place.
- Activate their cards online.
- View historic and real time transactions and statements.
- Make card and PIN requests.
* or Euro or US Dollar purchases depending upon currency of account.

Emergency card and cash solutions
We offer an emergency card and/or cash services to cardholders travelling overseas when a card has been lost or stolen. This service is available 24 hours a day, 365 days a year.

Accepting card payments - Cardnet©
Lloyds Bank Cardnet© helps you accept payments securely from all major cards in person, by phone or online.

Commercial Cards Resources Centre
Here you’ll find the latest copies of our Programme Administrator Guides, Cardholder Guides, Terms and Conditions and the forms you’ll need to manage your card programme.
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Products terms & conditions
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Useful contacts
Should you need assistance once your programme is set up please contact the relevant team.
Cardnet® is a registered trademark of Lloyds Bank plc.