Maximize the Power of Your Commercial Credit Card through Customized Solutions.
COMMERCIAL CARD
Let our dedicated team help optimize your business with features that compliment your unique payment mix.
Imagine a commercial credit card that works as hard as you do.
Our comprehensive suite of commercial credit card solutions offers you choices to manage your expenses, reporting, and supplier relationships, the way that works best for your business. Each card solutions provides the benefit of:
Control. Extensive cardholder controls such as flexible cardholder spending limits, restrictions on transaction types and frequency, and monitoring employee spending.
Efficiency. Streamline administrative processes and reduce expenses.
Organization. Manage your accounts and run reports with CentreSuite for all cards from a single internet-based program.
Growth. M&T's Supplier Enablement service enables you to drive acceptance and grow your program.
A dedicated Commercial Card consultant will work side-by-side with you to determine the solution that meets your expense management objectives..
Commercial One Card
Combine the features and benefits of our Purchasing and Travel & Entertainment (T&E) cards into one powerful and flexible card.
Commercial One Card Unique Features:
The Commercial One Card eliminates the need for multiple cards and gives you the data you need in one centralized place.
Visa® Liability Waiver Program.1 Receive coverage against losses incurred through employee card misuse
Travel Accident Insurance. Gain the security and protection you need to do business with complete confidence
Supplier Enablement. M&T's Supplier Enablement service enables you to drive acceptance and grow your program
Earn Reward points or Rebate on qualifying purchases
CentreSuite2 Card and Expense Management
Corporate Card
Reduce time and cost while tracking, reconciling and managing travel and entertainment expenses.
Corporate Card Unique Features:
Visa® Liability Waiver Program.1 Receive coverage against losses incurred through employee card misuse
Travel Accident Insurance. Gain the security and protection you need to do business with complete confidence
Earn Reward points or Rebate on qualifying purchases
CentreSuite Card2 and Expense Management
Purchasing Card
Streamline your procurement process by eliminating manual and paper-intensive procedures.
Purchasing Card Unique Features:
Supplier Enablement: M&T's Supplier Enablement support enables you to drive acceptance and grow your program
CentreSuite2 Card and Expense Management
Visa® Liability Waiver Program.1 Receive coverage against losses incurred through employee card misuse
Earn Reward points or Rebate on qualifying purchases
Solutions built with your goals in mind.
Whether you are looking to add controls, manage your working capital, earn rebates, or implement a complete expense management program, we can guide you to the right commercial credit card solution.
Automated Payables Solutions
Optimize working capital
Fraud protection
Digital Wallet & Virtual Card
Enhance supplier relations
Improve operational efficiency
Control where cardholders are spending
Customize your card *
Commercial Credit Card Services
Program Optimization
Improve practices across the entire procure-to-pay process to implement card programs that deliver measurable results.
How It Works
Work with banking professionals who can help make the most out of your card program. With a full suite of program optimization tools, we can discuss recommendations to help improve your program and help you focus on financial goals.
Benefits for Your Business
- Convenience. M&T offers dedicated resources for the duration of the program
- Targeted Approach. Receive customized implementation planning, assistance, and execution
Product Features
Best Practice Recommendations. How to successfully implement Purchasing Card, Corporate Card, and Commercial One Card programs
Quantitative Analysis. Establish financial goals and then track actual results over time
Spend Analysis. See how much volume and how many transactions may be potential opportunities for your card program
Return on Investment Financial Benefit Analysis. Determine potential cost savings by switching to card payments
Periodic Reviews. We will hold reviews to help you achieve your financial goals
CentreSuite and Expense Management
Perform real-time card and account maintenance, access online reports, and manage transaction data.
How It Works
CentreSuite provides Administrators and account holders with a high level of self-service, flexibility, and convenience for managing commercial card data. CentreSuite centralizes commercial card administration in a single easy-to-use browser-based application. It can be accessed via desktop computer and through a mobile app making card and expense management even easier.
Benefits for Your Business
- Convenience. Access your real-time Commercial Card information 24 hours a day via desktop computer or mobile app
- Control. Define and control user access to Commercial Card program data and functionality
- Increased Accuracy. Direct integration with the transaction processor provides you faster and more reliable access to account information
- Real-Time Notifications. providing cardholders and program administrators with automated, real-time notifications, including fraud alerts, to keep you informed on your Commercial Card program
Product Features
Card & Account Management. Administrators can access and update a wide range of account information, including but not limited to: Real-time Credit Limit adjustments and MCC restrictions
Statement Management. A much-needed alternative to paper-based statement processing. Go green and get your monthly statements electronically
Expense Management. Define business rules to automatically assign account codes to transactions and upload them into internal systems. Upload receipts to tie back to transactions and create expense reports and submit them electronically for approval
Report Management. Provide the appropriate people in your organization with online access to transaction data through standard reports or custom reports
Cardholder Capabilities. Cardholders can manage their card online with the ability to view and maintain their PIN, temporarily block their card, view authorizations and declines, as well as other functionality
Automated Payables
Reduce paper-intensive processing steps, create an efficient procure-to-pay process, improve cash flow, and simplify reconciliation.
How It Works
The traditional procure-to-pay process can be costly and inefficient, especially when it’s paper-based and manual. M&T Bank offers custom solutions to implement card-based payments within accounts payable, creating efficiencies, and potentially generating revenue for your organization.
We offer electronic supplier payments utilizing virtual cards. Our tools are easily implemented and utilize a web-based interface, helping to eliminate the need for additional software and simplifying your account reconciliation process.
Benefits for Your Business
- Lower Costs and Greater Efficiency. Streamline your operations and reduce manual check payments with virtual cards. Improve your cash flow and reduce your procure-to-pay costs.
- Convenience. Our web-based solution is designed to process your card payments, send payment instructions to your suppliers, and offer you a reconciliation file when transactions clear. Process and upload batch payment files to save time and money.
- Control. Allow suppliers to take flexible payments or require them to enter the exact amount indicated on the invoice in order for a payment transaction to be authorized. Flexible reporting provides increased financial control and insight.
Product Features
Online Access. Our solutions utilize a web-based interface, virtually eliminating the need for additional software.
Bulk Invoice Processing. Submission of large numbers of accounts payable (AP) invoices within a single file, creating efficiencies for your AP department.
Improved Control. With the dual approval routines you bring additional audit steps to your processes.
Reconciliation File. Access reconciliation reports electronically so you can match invoices to payments easily.
Supplier Enablement. M&T's Supplier Enablement support enables you to drive acceptance and grow your program. Multiple suppliers’ profiles and account information are uploaded through a file process, easily implementing our tools in your procure-to-pay process.
Supplier Enablement
Drive supplier Visa® acceptance and grow your card program with the help of M&T’s Supplier Enablement enrollment tools.
How It Works
M&T will help you identify and implement the best strategies for your supplier enablement campaign. For qualified programs, our recruitment team will partner with you to conduct an outreach initiative–or provide the communication tools and materials needed to manage your internal supplier recruitment campaign.
Benefits for Your Business
- Convenience. Pay more vendors with your Commercial Card to reduce paperwork.
- Dedicated Support. M&T offers dedicated resources to assist with vendor outreach.
- Targeted Approach. Receive customized implementation planning, assistance and execution.
Product Features
Enhanced Data Reporting. Enjoy transparency, company-wide spend visibility and improved supplier management.
Existing Supplier Network. Leverage an existing network of millions of suppliers that accept cards for business-to-business payments.
Experience the Card Without the Plastic – Choose Our Virtual Commercial Credit Card Option
Same great features without the physical card to carry.
Simply use your card number to make online purchases or upload to your digital wallet.
Ready to Get Started?
Start a conversation with one of our dedicated team members today to discuss your service needs and learn how you can unlock greater accuracy and efficiency with M&T Bank's customized solutions.
Reach out to your Commercial Card Consultant for your Commercial Credit Card questions or complete the form to start a conversation.
