• Card Solutions

    Streamline, reconcile and enhance control of business payments

  • Card Solutions

    Introducing our range of Commercial Card solutions.

    When you want to streamline payment processes and drive efficiencies in your organisation, our solutions can give you a range of payment options for travel, entertainment and business supplies.

    As well as optimising working capital across your business, our cards can also deliver:

    • Greater control and security over your business expenses, with online access to card spend.
    • Enhanced reconciliation and simplified expense claim processes.
    • Automated and enhanced data capture linked to your current software, producing reports tailored to your business.
    • Prompt supplier payment, opening up opportunities to discuss and improve commercial terms.
    • Euro and US Dollar billed solutions to eliminate conversion costs when transacting in those currencies.
  • The right product for your business:

    Your need Our solution How it works Payment Network  

    Paying across multiple categories – travel, entertainment and business supplies.

    Corporate MultiPay

    Corporate Multipay Card

    Cards used by employees in person, online or by phone, or embedded with key suppliers.

    Mastercard logo

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    Effective management of travel and entertainment expenses.

    Corporate Charge Card

     Corporate Charge Card

    Cards used by employees in person, online or by phone.

    Visa logo

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    Paying and reconciling high volume business supplies.

    Corporate Purchasing Card

     Corporate Purchasing Card

    Cards used to procure goods or services by employees in person, online or by phone, or embedded with key suppliers.

     Visa logo

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    Making payments to your Travel Management Company (TMC).

    Business Travel Solution

     Travel - plane - red

    Payment mechanism embedded within your TMC booking system.

    Visa logo

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    Digital payment solution for colleagues’ travel and business purchases.

    ePay Virtual

     Shopping Brown

    Unique virtual card numbers are raised for individual purchases to control usage and spending.

     
    Mastercard logo

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    Enquire online

    Electronic payments to ad hoc suppliers.

    ePayables

     Arrow Orange

    A unique, virtual card solution allowing supplier payments to be driven directly from your Accounts Payable.

    Visa logo

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    Enquire online

  • Blue folderWorking capital

    Commercial Cards can help you optimise working capital while improving payment processes.

    • Longer payment cycles created by consolidating card purchases into a single monthly account.
    • Reduced cost of capital with up to 45 days to pay interest free on Sterling purchases.*
    • Take advantage of early payment discounts, with suppliers typically receiving payment within 4 business days while you pay later.
    • Eliminate cash advances for Travel & Entertainment purposes, with an easy to control payment method.

    Grey sheetsReporting and reconciliation efficiencies

    Our payment solutions can simplify the reconciliation process and enhance reporting efficiencies. We can provide access to web-based reporting and management information systems.

    • Tailored reports and data integrated within your current accounting and expense management software systems.
    • Efficient invoice processing from automated transaction information and coding.
    • A streamlined system removing the need to raise Purchase Orders, meaning less administration and reduced time in reconciling payments.
    • Access to spend data through one online data management system.
    • Colleagues having a simpler, quicker and more efficient way of managing expenses.
    • Customisable management systems to fit with your organisation’s specific needs.
    • Automatically generated reports and data, with online access to colleague expense information 24/7.

    Blue padlockSecurity & Control

    Our cards are designed to give you control over how and where your colleagues spend your business’ money, while allowing you to monitor and analyse colleague spend in real time.

    • Options to set colleagues’ transaction/monthly limits and spend categories.
    • Automated management information: control, manage and analyse supplier spend patterns.
    • Provides appropriate oversight to ensure colleagues’ purchasing is in line with risk and governance policies.
    • Simplified expense claim processes and added convenience for colleagues.
    • Online access to accounts.

    Green mouseCommercial Card Internet Servicing

    Commercial Card Internet Servicing (CCIS) is our online card management service that allows you to manage your Corporate Card Programme efficiently, giving you control of your finances 24 hours a day, 365 days a year.

    Programme Administrators can

    • Manage multiple cardholders and card programmes.
    • Gain insight into your card programme spend using reporting tools.
    • Access your monthly statements in real time.
    • View the past 12 months transactions and statements.
    • Allocate and manage credit lines and authorisation controls.
    • Register cards individually or in bulk without paper forms.
    • Access your services securely online.

    What your cardholders can do

    • Manage all their commercial cards in one place.
    • Activate their cards online.
    • View historic and real time transactions and statements.
    • Make card and PIN requests.

    * or Euro or US Dollar purchases depending upon currency of account.

  • Leeds City Council Case Study

    How Lloyds Bank Commercial Cards have delivered process efficiency and financial value to Leeds City Council and their suppliers through a collaborative partnership approach.

    Watch the video

  • Fat Face Case Study

    See how we’ve helped Fat Face to automate the process for paying invoices, gain valuable working capital benefits and improve payment timescales with their non-stock suppliers.

    Watch the video

  • We offer an emergency card and/or cash services to cardholders travelling overseas when a card has been lost or stolen. This service is available 24 hours a day, 365 days a year.

    Contact us
  • Lloyds Bank Cardnet© helps you accept payments securely from all major cards in person, by phone or online.

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  • Here you’ll find the latest copies of our Programme Administrator Guides, Cardholder Guides, Terms and Conditions and the forms you’ll need to manage your card programme.

    Find out more
  • Document-icon

    Ensure you're up to date with our products and services' latest small print.

    Terms and conditions
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  • contact icon - purple

    Should you need assistance once your programme is set up please contact the relevant team.

    Contact us

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone: 0207 626 1500.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.