Commercial Card Services

Lakeland Bank’s Visa® Commercial Card offers your business a cost-effective way to re-engineer procurement, employee travel expenses and reimbursements. Our integrated back-office workflow tools and online data delivery provide a complete end-to-end solution, helping to automate transaction allocation, reconciliation, general ledger integration and more. Your business will have access to:

Card Spending Controls
Secure Billing and Payment Processes
Transaction and Statement-Level Information
General Ledger Integration
Management-Level Reports
Customized Implementation and Support

Key Benefits:

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Control
- Chip & Signature or Chip & PIN
- Separate credit limits and Merchant Category Code (MCC) restrictions
- Temporary limit changes
- CAMS Visa fraud alert system to report stolen/recovered or compromised cards
- PNC fraud monitoring 24/7 through analysis of suspect spending patterns
- Visa Liability Waiver for cardholder misuse up to $100,000
Visibility
- Real-time visibility into recent authorizations with decline detail
- Next-day visibility into processed transactions
- Expense Management functionality
  - Cardholder charge code allocations, including default mapping
  - Cardholder receipt attachment
  - Flexible approval routing
- Mobile access for administrators, managers and cardholders
Optimization
- Virtual Accounts Payable Card
  - Multiple settlement options
  - Strategic vendor enrollment
  - Cash flow maximization approach
- Distributed Cards
  - Best practice diagnostics
  - Benchmark analysis
  - Experience interfacing with all major ERP systems
  - Visa acceptance at 47.1 million merchant locations worldwide