What do commercial cards offer businesses?

Commercial debit and credit cards offer several features and benefits to your business, such as:

Advanced security features

Access advanced security features, such as chip technology, two-factor authentication, and fraud detection to protect against unauthorized financial access. This helps keep your information secure and reduces the risk of fraudulent activities.

Detailed purchase tracking and reporting

As mentioned, commercial card providers offer detailed expense management tools. You can use these to monitor and report your purchases and spending patterns, track expenses, and identify areas for financial improvement in your business.

These tools include graphical representations and interactive dashboards, making it easy to analyze your data. You can access the tools online or via a mobile app and build detailed reports that drive short and long-term business decisions.

Rewards and incentives

Many commercial card programs offer rewards for spending in certain ways.

For example, you can receive cash back, discounts, statement credits, and points for transacting at specific retailers or suppliers. In turn, the rewards can be redeemed against future company expenses or purchases.

The result is that your business can save money on everyday transactions while cardholders are encouraged to spend optimally.

Credit building

Using a commercial card responsibly can help your business build its credit score. This is especially helpful if you are just starting out. It will enable you to apply for better loan terms and financing in the future.

Additionally, good credit standing can help your company access more favorable terms from suppliers and vendors.

Convenience

Commercial debit and credit cards provide your business with a level of convenience. Cash can be difficult to track and adequately account for, and checks take days to clear and reflect. On the other hand, debit and credit transactions are processed in real-time.

Using plastic also excludes the security risks associated with carrying cash or checks.

This applies to the merchants, vendors, and suppliers you transact with. Many prefer not to accept cash or checks and only take corporate card or ACH payments.

Control and oversight

Commercial cards provide you with greater control and oversight over your business finances and employee spending. You can set spending limits, monitor transactions, and track purchases in real-time. This will help you keep a closer eye on finances and identify potential areas for saving money and improving efficiency.

Unlock the potential of the Payoneer card for your business

Payoneer is a payment service provider that offers businesses various payment solutions, including the Payoneer Commercial Mastercard®*. It is a powerful tool for businesses to manage their expenses. The card comes with the host of benefits:

*Disclaimer: The Payoneer card program offers 2 types of card services: the Payoneer Business Premium Debit Mastercard® issued by Payoneer Europe Limited under a license by Mastercard and the Corporate Purchasing Mastercard issued by First Century Bank, N.A pursuant to a license by Mastercard and provided by Payoneer Inc. to its eligible customers.

Pay for business expenses anywhere Mastercard® is accepted

The Payoneer card, powered by Mastercard®, gives you the freedom to pay for advertising, bills, contractors, shipping, or fulfillment services across 190+ countries. This means, you can operate your business globally, no matter where you are.

Save time and money

Experience effortless savings by using the funds in your Payoneer balance to pay for business expenses in USD, EUR, GBT, or CAD, without any concerns about withdrawal or conversion fees. Plus, with faster funds transfer times, you can operate much quicker and keep your business moving forward.

Streamline your business finances with multiple virtual cards

Order several commercial cards to keep your business expenses organized, helping you better manage your cash flow. You can order both a physical card or virtual cards.

Scale your business faster with high spending limits

With daily spending limits of up to 200,000 USD and no monthly cap, the Payoneer card lets you invest in growing your business while providing the flexibility to pay for any business expense, whenever you need it.

Only pay periodic fees for one card

Fees can quickly add up. But with Payoneer, you’ll only need to pay a periodic fee for your first card. The good news is that for any additional cards, you won’t have to pay this fee**.

**Disclaimer: not including any fees/costs associated with card shipment and delivery, or fees/charges applied for transactional use of the card (such as per transaction fees and ATM withdrawal fees). Full fee disclosure will be provided during the card order/activation process.

Enjoy great customer support

Our dedicated customer service team is available to answer your questions and provide assistance as needed. Simply access the live chat feature when you are logged in.

Otherwise, we have an extensive library with help articles to assist with the most common queries about debit and credit cards we receive from our customers.

Track card expenses on your Payoneer account

Log in to your Payoneer account to view all your card transactions and manage your card settings. Whenever you perform a transaction, the details appear in your account.

You can also automatically sync card transactions for your payments and expenses with Xero and QuickBooks Online. This automates data entry to your accounting platforms for simpler transaction reconciliations.

Final thoughts

The Payoneer card is one of Payoneer’s innovative payment solutions. Now that you know what commercial cards are, how they work, and the debit card and credit card difference, use this information to partner with the right provider for your business.

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商務卡能為企業提供什麼？

商業金融卡和信用卡可為您的企業提供多種功能和優勢，例如：

先進的安全功能

使用先進的安全功能，例如晶片技術、雙重認證和詐欺偵測，以防止未經授權的財務存取。 這有助於確保您的資訊安全並降低詐欺活動的風險。

詳細的購買追蹤和報告

如前所述，商務卡提供者提供詳細的費用管理工具。 您可以使用它們來監控和報告您的購買和支出模式、追蹤費用並確定業務中需要改進的財務領域。

這些工具包括圖形表示和互動式儀表板，讓您可以輕鬆分析數據。 您可以在線上或透過行動應用程式存取這些工具，並建立詳細的報告來推動短期和長期業務決策。

獎勵和激勵

許多商業卡計劃為以某些方式消費提供獎勵。

例如，您可以獲得現金返還、折扣、帳單積分以及在特定零售商或供應商進行交易的積分。 反過來，這些獎勵可以用來兌換未來公司的開支或採購。

結果是，您的企業可以在日常交易中節省資金，同時鼓勵持卡人以最佳方式消費。

信用建設

負責任地使用商務卡可以幫助您的企業建立信用評分。 如果您剛開始，這尤其有幫助。 它將使您能夠在未來申請更好的貸款條件和融資。

此外，良好的信譽可以幫助您的公司從供應商和供應商那裡獲得更優惠的條件。

方便

商業金融卡和信用卡為您的業務提供一定程度的便利。 現金可能難以追蹤和充分核算，支票需要數天時間才能清算和反映。 另一方面，借記卡和貸記卡交易是即時處理的。

使用塑膠還可以排除與攜帶現金或支票相關的安全風險。

這適用於與您進行交易的商家、供應商和供應商。 許多人不願意接受現金或支票，而只接受公司卡或 ACH 付款。

控制和監督

商務卡讓您更能控制和監督您的企業財務和員工支出。 您可以設定支出限額、監控交易並即時追蹤購買情況。 這將幫助您密切關注財務狀況並確定可以節省資金和提高效率的潛在領域。

釋放 Payoneer 卡為您的企業帶來的潛力

Payoneer 是一家支付服務供應商，為企業提供各種支付解決方案，包括 Payoneer Commercial Mastercard®*。 它是企業管理開支的強大工具。 該卡具有許多好處：

*免責聲明：Payoneer 卡計劃提供 2 種類型的卡服務：Payoneer Europe Limited 經 Mastercard 許可發行的 Payoneer Business Premium Debit Mastercard® 以及由 First Century Bank, N.A 經 Mastercard 許可發行的企業採購萬事達卡 (Corporate Purchasing Mastercard)由Payoneer Inc. 向其合格客戶提供。

在接受 Mastercard® 的任何地方支付業務費用

Payoneer 卡由 Mastercard® 提供支持，讓您可以自由支付 190 多個國家/地區的廣告費、帳單、承包商費、運輸費或履行服務費。 這意味著，無論您身在何處，都可以在全球範圍內經營您的業務。

節省時間和金錢

使用 Payoneer 餘額中的資金以美元、歐元、GBT 或加元支付業務費用，體驗輕鬆省錢，無需擔心提款或兌換費用。 此外，透過更快的資金轉帳時間，您可以更快地運作並保持業務向前發展。

使用多張虛擬卡簡化您的企業財務

訂購多張商務卡，讓您的業務開支井井有條，幫助您更好地管理現金流。 您可以訂購實體卡或虛擬卡。

透過高支出限額更快地擴展您的業務

Payoneer 卡的每日支出限額高達 200,000 美元，並且沒有每月上限，讓您可以投資發展業務，同時在您需要時靈活地支付任何業務費用。

一張卡只需繳納定期費用

費用很快就會增加。 但使用 Payoneer，您只需為您的第一張卡支付定期費用。 好消息是，對於任何附加卡，您無需支付這筆費用**。

**免責聲明：不包括與卡片的運輸和交付相關的任何費用/成本，或用於卡片交易使用的費用/收費（例如每次交易費用和 ATM 提款費用）。 在卡片訂購/啟用過程中將提供全部費用揭露。

享受出色的客戶支援

我們專門的客戶服務團隊可以回答您的問題並提供協助根據需要進行調整。 只需登入後即可存取即時聊天功能。

此外，我們還有一個內容豐富的圖書館，其中包含幫助文章，可協助解決我們從客戶收到的有關金融卡和信用卡的最常見查詢。

追蹤您的 Payoneer 帳戶上的卡片費用

登入您的 Payoneer 帳戶查看您的所有卡片交易並管理您的卡片設定。 每當您執行交易時，詳細資訊都會顯示在您的帳戶中。

您也可以使用 Xero 和 QuickBooks Online 自動同步您的付款和費用的卡片交易。 這可以自動將資料輸入到您的會計平台，以簡化交易對帳。

最後的想法

Payoneer 卡是 Payoneer 的創新支付解決方案之一。 現在您已經了解什麼是商業卡、它們的工作原理以及借記卡和信用卡的區別，請使用這些資訊與適合您業務的提供者合作。