Visa Commercial

Intelligent payment solutions for your business

With Visa Commercial, you have access to payment solutions designed specifically to fit the needs of your business. Our flexible payment solutions and information management capabilities work together to improve your procureto-pay process for virtually any size payment. Whether you are a small business, a large corporate multinational, or a government entity, Visa Commercial offers solutions that will benefit your operations.

Payment products plus spending information equals intelligent payment.

A Complete Solution

Together, Visa Commercial payment solutions and Visa Information Management deliver a complete purchasing program that will help you optimize payment processes and make better business decisions. Visa Commercial payment solutions offer you and your employees the convenience of simplified payment and purchasing efficiencies. And by combining this with the insight and access of Visa Information Management, you have a comprehensive solution that will drive superior business performance.

Optimize payment processes and make better business decisions

Visa Commercial has developed the most comprehensive suite of business payment products to address all of your companys procurement needs.

Intelligent payment solutions that address your business realities

Improve Operational Efciencies
Using a Visa Commercial solution will help you minimize paper-based and manual processes and reduce front- and back-end administration costs. RPMG Research has shown that purchasing cards can reduce the cost of procurement by 70%. According to Deloitte Consulting, the use of procurement and payment best practices can save your organization between US$1.8 million and US$8 million a year. And with our secure end-to-end payment capabilities and unsurpassed acceptance, your employees are sure to appreciate the convenience.

Purchasing cards can reduce the cost of procurement by

70

Visa Purchasing
Eliminate time-consuming and error-prone paper-based purchase orders and invoice processing with the convenience of Visa Purchasing. Set limits by employee, department, or division Handle a wide range of business expense categories Various billing and payment options

Visa Business
Enjoy the flexibility and convenience of a Visa payment program designed for small business. Visa Business helps you manage your money more accurately and efficiently. Separate business and personal expenses Improve cash ow Travel and emergency assistance

Visa offers a range of payment options you can customize to create the right solution for your organization
Visa Corporate
Manage your travel program more efficiently with the convenience of a Visa Corporate program. With worldwide acceptance at over 24 million locations and the most comprehensive airline and hotel itinerary data available, this program can facilitate employee compliance with travel policies and enable significant savings. Better compliance with corporate purchasing and travel policies Includes Travel Accident Insurance and Rental Car Insurance Enables substantial cost savings versus issuing cash advances Reduces time required for completion of employee expense reports

Visa Prepaid
The Visa Prepaid programs offer a convenient alternative for payroll, retirement and healthcare benefits, or emergency relief disbursements. With immediate access to funds loaded safely on the card, consumers enjoy added convenience, while organizations save on postage and check costs. Useful for a variety of disbursement types Provides important loss protection Accepted anywhere a Visa debit card can be used

Visa Commerce
Enhance financial visibility and streamline payments for large value purchases with Visa Commerce. With the increasing popularity of electronic payments, Visa Commerce provides a powerful payment solution that enables buyers to initiate payments and defer settlement of payments based on pre-established terms with suppliers. Allows for controls on payments to suppliers and cash management according to negotiated terms Enables suppliers to submit online payment requests, check payment status, and reconcile transaction information Integrates with front-end procurement and payables systems Supports electronic signatures

Visa Fleet
Track and manage your vehicle-related fuel, maintenance, and repair expenses with the industrys leading fleet solution. Visa Fleet provides your drivers a convenient, secure tool for paying vehicle-related expenses, while you gain the enhanced data capabilities that make monitoring spending easier and more efficient. Customize spending limits Track spend by vehicle or employee Advanced security capabilities, including driver ID or odometer readings Travel and emergency assistance

Spending insight to help you optimize your operations

Information to Improve Your Spending Practices
As part of your Visa intelligent payment solution, Visa Information Management simplies spending analysis and delivers the perspective you need to make the most of your companys spending practices. Visa Information Management aggregates information from your companys Visa Commercial payment product expenditures and delivers it in a way that best meets the needs of your organization. From local and global reporting to data delivery to integration with existing nancial systems, Visa Information Management offers a complete range of data management capabilities for controlling your payment processes. With Visa Information Management, you have the necessary insight to better manage spending, save time and money, and enable more informed decisions.

With Visa Information Management, you have the necessary insight to better manage spending, save time and money, and enable more informed business decisions.

By including Visa Information Management as part of your overall Visa solution, you will enjoy: Exceptional insight for informed decisionmaking The exibility to integrate spending data directly into existing nancial systems or use our comprehensive online reporting capabilities Access to enhanced data from almost three million merchants Reduction in manual and paper-based processes, such as cost allocation for greater efciency Greater control over expenditures An easy-to-use, online portal to streamline access to spending information

Access the Visa Commercial advantage today

Is your organization ready to improve spending management, increase purchasing efficiencies, and better inform business decisions? If so, Visa Commercial can help. With our flexible suite of payment options and the comprehensive information management capabilities available with Visa Information Managements online tools, you will have everything you need to optimize your organizations purchasing and procurement programs. To put together the right solution for your organization, contact your Visa financial institution for more information or for a proposal. Or, for additional insight into all the benefits that Visa Commercial can offer you, visit www.visa.com/visacommercial.

Increase control, improve efciencies, and enable better decision-making with the power of Visa Commercial
Visa Commercial delivers the complete payment solutions that can save you time and money and improve your operational performance. As the operator of the worlds largest and most secure payment network, Visa offers the acceptance and experience you can trust. With Visa, you can enjoy the peace of mind of knowing that your payments and information management needs are being handled with the greatest integrity and security.

To put together the right solution for your organization, contact your Visa nancial institution for more information or for a proposal. Or, for additional insight into all the benets that Visa Commercial can offer you, visit www.visa.com/visacommercial.

Visa offers the acceptance and experience you can trust

Visa Commercial
Secure Simple Economical Comprehensive Intelligent Convenient Empowering

2006 Visa International All rights reserved.

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