Commercial Solutions

• Get a Card
• Consumer Products
  • Credit
  • Debit
  • Prepaid
• Consumer Services
  • ATM Locator
  • Exchange Rates
  • Lost Cards
  • Lost Travelers Cheques
• Commercial Solutions
• Visa Rules

• Small Business
  
• Mid-Large Companies
  
• Government
  

Visa Commercial Solutions
Businesses and government agencies of all sizes and types need the right combination of payment services, information management tools, and consultative expertise to manage expenses, improve cash flow, streamline their procurement procedures, reduce processing costs, tighten spending controls, and further improve supplier relationships. Visa's suite of commercial products is designed to help.

Small Business
The Visa Business suite of products includes Visa Business Credit, Visa Business Check Card, Visa Business Debit, Visa Signature Business, and Visa Business Electron. Together, these offerings provide small business owners with payment flexibility via unsurpassed acceptance, cash flow reporting, and in some cases merchant discounts and rewards so that they can focus on their business. Visa Business Electron is an electronic authorization platform used in many countries outside North America, and has authorization control attributes. With smart, simple, secure payment options from Visa Business, small businesses now have what they need to pursue their goals.

Mid-Large Companies
Visa Commercial payment and information products provide mid- to large-sized companies with the tools they need. Through Visa's multinational capabilities, global firms can benefit from the ability to integrate and streamline their worldwide payment processes. Visa Corporate offers payment options for travel and entertainment expenditures, and provides detailed transaction data, which allows companies to track policy compliance and supplier management. Visa Purchasing provides clients with a payment solution to easily acquire the goods and services needed to conduct business by streamlining time- and paper-intensive purchase orders, invoice processing, and check writing. The Visa Commercial Card allows mid-sized companies to combine procurement, travel and entertainment, and fleet functionality into a single payment solution. Visa Fleet provides specialized authorization controls that fleet operators need to monitor and manage spending for company-provided vehicles.

Core to all Visa Commercial payment solutions are information management, reconciliation and reporting tools; plus the ability to integrate payment data into company financial and expense management systems. Visa Information Management is a web-based tool that provides access to a suite of reporting and information tools in multiple languages to companies using any of the Visa Commercial solutions.

Government
Government agencies have a long history of using the Visa Purchase card and Travel card as payment solutions for a wide range of expenditures and functions, from administering government-sponsored loans to enabling spend tracking to support small businesses. Visa Payroll products provide a convenient and cost-effective way to automate salary delivery to government employees, regardless of whether they have bank accounts. Additionally, by offering Visa as a payment method for receivables such as taxes, license and registration fees, governments offer citizens a more convenient way to pay in person or online.

By combining electronic payment with initiatives such as electronic invoicing and e-catalogues, government agencies can create a fully automated procurement environment. The enhanced data services that Visa offers in conjunction with Visa Purchase and Visa Travel cards give government agencies powerful tools to link automated processes and help manage their budgets and detect and eliminate misuse.

Through benefits distribution card programs, governments can automate the disbursement of government benefits such as welfare, pensions, and scholarships to improve expediency and efficiency while also empowering citizens with a new payment vehicle.