The Commercial Card program is recommended for Commercial and Corporate customers with sales over $20 million per year, spending of $3 -$5 million per year charged to company credit cards, decentralized buying authority, a large number of suppliers, and geographically dispersed operations.

The program is flexible, scalable and can be fully customized
and integrated with both your existing and future business processes. Plus, it offers your business the universal acceptance you need:

• Monitor cardholder spending by automatically comparing purchasing activity to established business rules and flagging unauthorized purchases.
  
  
• Implement controls down to the cardholder level with transaction and spending limits, merchant restrictions, cash advance access and more.
  
  
• Track company-wide spending and monitor travel policies by generating customized reports by cost centre, individual employee, or in combination.
  
  
• Select central billing, with a consolidated monthly invoice, individual billing, or both in the same program.
  
  
• Negotiate trade discounts by analyzing spending patterns for each vendor.
  
  
• Reduce supplier inquiries by taking care of many small invoices with a single payment.

Implementation Support and Ongoing Assistance

As a Commercial Card client company, we want you to realize the maximum cost-saving benefits of the program at all times. A Scotiabank program manager will be assigned to manage your account from initial consultation through program implementation, ensuring it continues to meet your company's evolving needs. Our consultative approach and extensive experience with industry 'best practices' ensure everyone on your staff is using the program to its fullest potential. We will also benchmark your program's performance at regular intervals through quantitative and objective criteria, to make sure you get the most out of the Commercial Card program.

For more information about the Scotiabank Commercial Card program, please contact us.

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