COMMERCIAL CARDS BNP PARIBAS

Transcription

1 COMMERCIAL CARDS BNP PARIBAS

2 Corporate Needs Do you want to monitor your employee s T&E expenses, or streamline the process for your recurring purchases? "As the Chief Procurement Officer of my company, too much of my time is dedicated to monitoring purchases of non-strategic goods and services. I need a solution that saves me time as well as money on such transactions." "I often need to make purchases online and I would like to improve the safety of these payments." "My teams are always on the move. How can I ease the follow-up of their travel expenses as well as secure their business trips?" To prevent these recurring transactions from putting a strain on your business, BNP Paribas offers you a full range of tools tailored to your needs. They will allow you to centralise and monitor all of your professional expenditures worldwide.

3 A range of cards to suit your needs For us to better respond to the needs of our corporate clients, BNP Paribas has launched a full range of innovative commercial cards targeted at SMEs, associations, corporate groups or government institutions, be it for domestic or international use. Our range of BNP Paribas Commercial Cards suits your organisation and meets all your requirements. Our range of BNP Paribas Commercial Cards suits your organisation and meets all your requirements. The CORPORATE Card for your staff s expenses when travelling. The BNP Paribas AirPlus Lodge Card for your plane and train tickets. The VIRTUAL Card for all your distance-selling purchases. The PURCHASING Card for your recurring nonstrategic purchases. Plane and train tickets. Travel expenses: tickets, hotels, restaurants, toll. Visa and MasterCard. The CORPORATE Card The AirPlus Lodge Card Accepted in travel agencies airlines + 35 low-cost carriers. Distance selling (internet, phone, ). Visa network + Visa Purchasing Program Members (additional data). The PURCHASING Card A comprehensive offer for all your needs The VIRTUAL Card Recurring non-strategic purchases. Visa network + Visa Purchasing Program Members (additional data).

4 YOUR BENEFITS The BNP Paribas CORPORATE CARDS Choose the type of card you need: The Classic Corporate Card: more than a means of payments, it is insurance against most risks associated with business travel. The Gold Corporate Card: with extended assistance and insurance services. The Platinum Corporate Card: a prestige Corporate Card, it offers tailored services to your top-level executives. Reduce costs: Detailed statistics, helping you negotiate with your suppliers. Adjustable spending limits, depending on the profile of the user, in order to respect your budgets. Lower administrative costs. Optimise your control over expenses thanks to our reporting tools (see below). Control your cash by: Making your employees accountable, by choosing to debit purchases from their personal account. Monitoring expenditures before reimbursing them thanks to the differed debit. Blocking certain transactions, suppliers or business activities. Facilitate your employees business trips: A safe and universal means of payment thanks to Visa and MasterCard. Safe travels thanks to a broad range of insurance and assistance services. A monthly, ready-to-use statement that helps your employees declare their expenses. Secure payments thanks to the EMV chip system. FEATURES P The Corporate Card allows you to keep a close eye on your staff s professional expenses. The BNP Paribas Corporate Card offer adapts to your needs and your organisation. You set the structure of your program, and choose the features of the cards you will issue to each group of holders, in order to build a solution tailored to your needs. You can make changes to your card package and select new options at any time. REPORTING Fully integrated in our Corporate Card services, reporting tools are designed to simplify the monitoring of your travel expenses. Online reporting for you and your employees to track their purchases and manage the fleet of Corporate Cards. Detailed reports aggregating all expenses at national or European level. Analysis of your expenses, with computer files that integrate into your management tools. Consolidated reports of your subsidiaries for your international programs.

5 The BNP Paribas AirPlus LODGE CARD YOUR BENEFITS Better control over your purchases and optimising your management processes. A single statement for all your travel purchases. An integrated insurance offer: every traveller whose ticket was bought with the BNP Paribas AirPlus Lodge Card benefits from an excellent travel insurance. Simplified accounting procedures thanks to the different electronic formats available (.csv, Edifact, LARS, Xml and more ). The option of adding analytical fields to your transactions for easier reconciliation. Data security and confidentiality. As a UATP (United Air Travel Plan) card, the BNP Paribas AirPlus Lodge Card is accepted by more than 260 airlines, as well as a growing number of low-cost airlines and travel agencies. FEATURES On average, companies devote 50% of their business travel budget to tickets. In partnership with AirPlus International, BNP Paribas gives you the means to limit such expenditures with the BNP Paribas AirPlus Lodge Card. The BNP Paribas AirPlus Lodge Card is a payment account issued in the name of your company, and registered in your travel supplier s information system (travel agency, low-cost airline, etc.) It has the following purposes: Centralising the payment of business travel expenditures in your company. Offering a detailed reporting of your expenses. Offering a complete insurance solution for your employees travels. Employees simply need to book their ticket through your travel agency. Purchases are immediately and automatically charged to your BNP Paribas AirPlus Lodge Card. settlement takes place after you have received a detailed transaction report. REPORTING AirPlus Information Manager allows you to: Enforce your travel policy and negotiate with your suppliers, thanks to an accurate knowledge of your expenditures. Consult, assess and analyse all your travel-related costs online. Review all your travel services in detail. Allocate expenses according to your analytical criteria (up to nine criteria). Consult in exclusivity with Lufthansa, Swiss International Airlines, Austrian Airlines, Air China and British Airways the flown data, which includes information about unused tickets and vouchers. Obtain a consolidated view of BNP Paribas AirPlus Lodge Card and BNP Paribas Corporate Card expenses.

6 YOUR BENEFITS The BNP Paribas VIRTUAL CARD Increased security for your distanceselling purchases, as each Virtual Card number can t be used more than once. Just like a physical card, the Virtual Card has a security code. Finally, users can only generate a card number after identification with a virtual certificate. The option of configuring the use of the Virtual Card in order to reinforce your expenditure control as well as your protection against fraud. The option to delegate your distanceselling purchases with full confidence, be they related to business travel or to your company s functional expenditures. A broad accepting networks thanks to Visa. A large number of suppliers are members of the VISA Purchasing Program, and can provide you with level 3 transaction reports (enhanced data). If your preferred suppliers are not part of this program, BNP Paribas can help them through the subscription process. Ten free references specific to your company can be filled in order to facilitate reconciliation. Deferred payments in line with your FEATURES The Virtual Card is an innovative solution for securing your distance-selling purchases (web, phone or ), in particular for purchases related to business travel. For each purchase, our BNP Paribas Virtual Card server generates unique card numbers. Two solutions exist: A web solution, through which certified users can manually generate Virtual Cards for their purchases. A solution integrated into the company s IT system that automatically generates Virtual Cards. This solution is designed for clients with high volumes of purchases, such as travel agencies. REPORTING The administration tools at your disposal: A dedicated website with secure, individual spaces for cardholders and the Purchasing Card Program Manager. Each holder can check the conformity of the deliveries (delay, quantity, etc.), while the Program Manager can check the conformity of the expenses. Activity reports. A powerful statistical tool. Electronic transaction reports that feed your monitoring tools with your transaction details in order to streamline your procedures as much as possible.

7 YOUR BENEFITS The BNP Paribas PURCHASING CARD Rationalised purchase procedures. You are no longer burdened by day-to-day transactions. You save time by delegating all nonstrategic acquisitions. Optimised reporting thanks to the ten free references specific to your company, which you can associate with each transaction. Increased protection against card fraud or employee misuses. provide you with level 3 transaction reports (enhanced data). If your preferred suppliers are not part of this program, BNP Paribas can help them through the subscription process. Tax dematerialisation of invoices; this option allows you to receive e-invoices and archive them for 10 years (legal period). Deferred payments in line with your needs. A broad accepting network thanks to Visa. A large number of suppliers are members of the VISA Purchasing Program, and can FEATURES The Purchasing Card is aimed at public and private entities that make numerous non-strategic purchases. The BNP Paribas offer will save them significant amounts of time and money (50% on average) on the processing of these transactions. Delegate your day-to-day purchases by assigning Purchasing Cards to some of your employees. Define a periodic spending limit per site or per department, and customise each card individually: maximum amount per order, per supplier, per period, authorised or banned suppliers, etc. Holders can then make their purchases autonomously within the limits you set. Purchases are debited on a corporate account. The Purchasing Card does not allow cash withdrawals. REPORTING The administration tools at your disposal: A dedicated website with secure, individual spaces for the cardholders and the Purchasing Card Program Manager. Each holder can check the conformity of the deliveries (delay, quantity, etc.), while the Program Manager can check the conformity of the expenses. Activity reports. A powerful statistical tool. Electronic transaction reports that feed your monitoring tools with your transaction details in order to streamline your procedures as much as possible.

8 Overview of BNP Paribas Services A FOREFRONT BANKING PARTNER FOR ALL YOUR NEEDS BNP Paribas: A global reach A commercial card offer that relies on a worldwide acceptance network. Close to 150 Business Centres throughout Europe and the world: An extensive network in our core retail countries: France, Italy and Belgium A strong presence in Europe and North America. A proven expertise Several years of experience in commercial cards. A major player in the expansion of the Purchasing Card thanks to a valuable know-how in recruiting suppliers. Innovation is at the core of our product development, as shown by the Virtual Card, the latest addition to our B2B range. A dedicated organisation CORPORATE Card LODGE Card VIRTUAL Card PURCHASING Card Sales team close to you are there to make sure you receive the best service quality from us: advice, set-up and follow-up of your first transactions Travel & Entertainment Non-strategic purchases, e-commerce and MO/TO An expert Card Implementation Team to lead you through every step of your project. Telephone support for your day-to-day enquiries. And for each of these solutions, take advantage of the benefits related to choosing a first-class bank partner. Efficient monitoring and control tools.

9 If you wish to know more about BNP Paribas s range of commercial cards, please contact: Laurent Sautré: +33 (0) laurent.sautre@bnpparibas.com Or ask for a meeting at the Business Centre nearest to you: By phone: + 33 (0) Online: Or contact your usual Relationship Manager. Tactile