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 Pros Instantly detect transactional irregularities: Real-time transactional notifications alert you to any irregular or fraudulent activity on the account, such as unauthorized purchases or credit card chargebacks. Build a credit score: Utilizing company credit cards can help your business build its credit score. Banks often report your spending activity to the credit bureaus that compile your credit score. Access rewards programs: Many credit cards offer rewards programs, such as cashbacks or airline miles. It is a great way to save money on purchases and travel expenses. High spending limits: The credit line allows businesses to make higher-value purchases or pay for unexpected costs easily. This can improve cash flow and provide a source of temporary funding. Cons Potential for overspending: Although convenient, access to a credit line can make it very easy to spend more money than you have. This can lead to debt if not managed properly. Potential for fraud: Fraud on credit car...

Pros Prevent debt: Debit cards are linked to checking accounts and reduce the available bank balance. You can set transactional limits, so users never spend more than what’s available in the linked account. No annual fees: Banks typically don’t charge annual fees for debit cards. The amount is already built into the account fee. Suitable for smaller purchases: Commercial debit cards are ideal for smaller transactions that don’t considerably impact your company’s budget or financial standing. Easy to acquire: Since debit cards don’t require you to borrow from the bank, they are easy to get, even without a good or existing credit score. Cons Limited access to funds: Debit cards only allow you access to spend what’s already in the bank account or up to a certain limit. This can be a problem if you need to make an emergency purchase and don’t have the funds available. Overdraft fees: Most banks charge overdraft fees if you spend more than is available in your account. This can cause unnece...

A commercial debit card works similarly to a regular debit card, although it is designed with business needs and spending in mind. These business cards link to a checking account and allow the employee to transact by accessing funds from the connected account. Payments may take place online or at a merchant’s POS system. The person may also withdraw cash. When a purchase is made, the amount is deducted from the account’s available balance. To help control spending and reduce fraud, you can set spending limits and control how, where, and when the plastic can be used. Banks do not conduct credit checks before issuing debit cards. Nor do they charge interest on transactions. [TW] 商業借記卡如何運作？ 商業借記卡的工作原理與普通借記卡類似，但其設計時考慮了業務需求和支出。 這些名片連結到支票帳戶，並允許員工透過從關聯帳戶提取資金進行交易。 付款可以在線上進行，也可以在商家的 POS 系統上進行。 該人還可以提取現金。 購買後，金額將從帳戶的可用餘額中扣除。 為了幫助控制支出並減少欺詐，您可以設定支出限額並控制塑膠的使用方式、地點和時間。 銀行在發行借記卡之前不會進行信用檢查。 他們也不收取交易利息。

Virtual cards are the latest in payment technology. They are digital cards that are usually linked to corporate credit accounts. Administrators create virtual cards to enable employees to settle online transactions. They are typically created on demand and are often single-use or have temporary account numbers. Because of this, they offer a secure way to transact online. [TW] 虛擬卡 虛擬卡是最新的支付技術。 它們是通常與公司信用帳戶關聯的數位卡。 管理員建立虛擬卡，使員工能夠進行線上交易結算。 它們通常是按需創建的，並且通常是一次性的或具有臨時帳號。 因此，他們提供了一種安全的線上交易方式。

Prepaid cards are suited to businesses with restricted budgets. A program administrator deposits funds onto these prepaid cards up to a certain balance. The employee has the option to spend this balance on purchases such as office supplies, travel expenses, entertainment, and subscriptions. [TW] 預付卡 預付卡適合預算有限的企業。 計劃管理員將資金存入這些預付卡，直到達到一定餘額。 員工可以選擇將這筆餘額用於購買辦公用品、差旅費、娛樂和訂閱等。

Fleet cards are designed for businesses that manage a fleet of vehicles. Account holders use these to purchase gas, oil, tires, and other necessary supplies and services, including repairs and maintenance. Fleet cards also give the program administrator control over the types of goods purchased, where goods can be bought from, and authorized card members. This helps you optimize fleet usage and reduce costs. [TW] 艦隊卡 車隊卡專為管理車隊的企業而設計。 帳戶持有人用這些來購買汽油、石油、輪胎和其他必要的用品和服務，包括維修和保養。 車隊卡還使計劃管理員能夠控制所購買商品的類型、可以從哪裡購買商品以及授權卡會員。 這有助於您優化車隊使用並降低成本。

Purchasing cards pay for business services, supplies, and equipment, including maintenance services, office supplies, computers, or furniture. They also pay vendors and suppliers up to a certain amount. In this case, it is important for the employee to keep and submit receipts to the finance department to reconcile accounts. [TW] 採購卡 採購卡用於支付商業服務、用品和設備的費用，包括維修服務、辦公用品、電腦或家具。 他們也向供應商和供應商支付一定金額的費用。 在這種情況下，員工保留收據並將其提交給財務部門以對帳非常重要。