Corporate Cards

Streamline, reconcile and enhance control of business payments.

When you want to streamline payment processes and drive efficiencies in your organisation, our corporate cards can give you a range of payment options for travel, entertainment and business supplies.

Our corporate cards can help you to:

  • Optimise working capital with up to 59 days to pay, interest free.
  • Control and improve security over your business expenses, with online access to card spend.
  • Enhance reconciliation and simplify expense claim processes.
  • Automate and enhance data capture linked to your current software, producing reports tailored to your business.
  • Pay suppliers promptly, opening up opportunities to discuss and improve commercial terms.
  • Bill in Euros and US Dollars to minimise conversion costs when transacting in those currencies.

Find out how we are delivering innovative solutions to UK businesses: Corporate cards case studies

Enquire about our corporate cards

Contact us about corporate cards to manage working capital and stay on top of expenses. 

Enquire online

The right product for your business:

Your need

Our solution

How it works

Payment Network

Your need

Paying across multiple categories – travel, entertainment and business supplies.

Our solution

Corporate MultiPay

Corporate Multipay Card

How it works

Cards used by employees in person, online or by phone, or embedded with key suppliers.

Payment Network

Mastercard logo

Your need

Make payments to your travel suppliers who are not currently card capable.

Our solution

Corporate Charge Card Straight Through Processing (STP)

  Travel - plane - red

How it works

Settle invoices direct to your suppliers' Merchant Acquirer, selecting actual payment date.

Payment Network

Visa logo

Your need

Effective management of travel and entertainment expenses.

Our solution

Corporate Charge Card

  Corporate Charge Card

How it works

Cards used by employees in person, online or by phone.

Payment Network

Visa logo

Your need

Paying and reconciling high volume business supplies.

Our solution

Corporate Purchasing Card

  Corporate Purchasing Card

How it works

Cards used to procure goods or services by employees in person, online or by phone, or embedded with key suppliers.

Payment Network

Visa logo

Your need

Make payments to B2B suppliers who are not currently card capable.

Our solution

Corporate Purchasing Card Straight Through Processing (STP)

 Shopping Brown

How it works

Settle invoices direct to your suppliers’ Merchant Acquirer, selecting actual payment date.

Payment Network

Visa logo

Your need

Making payments to your Travel Management Company (TMC).

Our solution

Business Travel Solution

  Travel - plane - red

How it works

Payment mechanism embedded within your TMC booking system.

Payment Network

Visa logo

Your need

Digital payment solution for colleagues’ travel and business purchases.

Our solution

ePay Virtual

 Shopping Brown

How it works

Unique virtual card numbers are raised for individual purchases to control usage and spending.

Payment Network

Mastercard logo

Your need

Electronic payments to ad hoc suppliers.

Our solution

ePayables

  Arrow Orange

How it works

A unique, virtual card solution allowing supplier payments to be driven directly from your Accounts Payable.

Payment Network

Visa logo

To help you compare our Commercial Card currency conversion charges with other providers you can find the percentage mark up over the European Central Bank rates here

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.

Corporate 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.

Products terms & conditions

Ensure you're up to date with our products and services' latest small print.

Economics and Market Insight

Timely and topical insight to your inbox.

Useful contacts

Should you need assistance once your programme is set up please contact the relevant team.

Credit and charge cards for smaller businesses

For businesses with a turnover up to £25 million.

Credit and charge cards

Cardnet® is a registered trademark of Lloyds Bank plc.