Purchasing Card and Virtual Card

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1 BNP Paribas Purchasing Card and Virtual Card Banking and insurance for a changing world

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3 Discover the BNP Paribas Purchasing Card Discover the BNP Paribas Purchasing Card for easier and more efficient purchasing management The BNP Paribas Purchasing Card is an effective and easy payment solution that can be used wherever the VISA, Cartes Bancaires or VISA Purchasing cards are accepted. When you opt for our Purchasing Card you receive detailed information about your transactions; You can use expense-tracking tools and get a dedicated support at every stage of the programme.

4 BNP Paribas, A leading player in the payment systems BNPP is the French leader in the corporate card industry. We also are a major player in the Purchasing Card sector in both public and private areas; State and local government bodies, hospitals, companies - from smaller to larger - use our Purchasing card. Why not join us?

5 Why choose BNP Paribas? BNP Paribas, no. 1 issuer of the VISA Purchasing Card in France Provider of Purchasing Cards to the French government. Years of experience with the public and private sectors. A solid reputation among Public and Private Entities of all sizes. Dedicated sales and technical support teams to guide you through every stage of your programme Local Relationship Managers to work closely with you and meet all your requirements. A dedicated team to sign up your suppliers to the Purchasing Card network. A Purchasing Card Assistance service to answer your questions. Our leading position ensures our service is constantly improving.

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7 What is the Purchasing Card? A corporate card In the name of the cardholder and the company. A payment card on the Visa network. An authorisation for each transaction regardless of the amount. No cash withdrawals. Secure delegation of orders with improved controls prior to purchase Two possible uses With suppliers who have signed up to the VISA Purchasing Card network: The electronic report includes additional information such as details of purchases and VAT. With any merchant in the VISA and Cartes Bancaires networks: The electronic report includes the standard information, i.e. card and supplier details, date and amount of purchase. Delegate ordering authority, with specific settings for each cardholder. Set periodic limits per department, card, order, Merchant Category Code (MCC), SIRET. Put restrictions per MCC, SIRET and for international transactions. Reporting tools Transaction statements. Purchasing Card website. Personalised statistical reporting tools.

8 The Purchasing Card what are the benefits for procurement managers? Pay by card, a simple and universal tool Save time and reduce your administrative costs Simplify the ordering process Streamline supplier relationships Secure your purchasing Facilitate follow up and management of purchases Empower your staff

9 The Purchasing Card what type of expenditures? Industrial supplies (public sector) 29% Business travel (travel agencies, hotels, train and air travel) 14% Office supplies 14% Miscellaneous operating expenses (florists, etc) 14% Catering 12% Professional services (telecoms, transport and mail services, etc) 6% Company cars (petrol, maintenance, etc) 6% Advertising and printing 2% IT equipment 2% Healthcare/Pharmaceutical supplies 1% Source : BNP Paribas en 2009.

10 The Virtual Purchasing Card An innovative solution for secure payment of online purchases The BNPP Virtual Card is designed for all on-line purchases. It allows your staff to pay for business-related goods and services in the most secure way. You can add your own information to each transaction to make reconciliation easier. A single-use paperless card A fully paperless single-use company card. Suitable for all companies, whatever their sector or size. Allows your staff to carry out all businessrelated purchases remotely, whether for business travel (car hire, hotel accommodation or low cost ticketing) or items and services related to the running of the business, such as events or office supplies. Accepted throughout the worldwide VISA network.

11 Vi rtual Card The BNP Virtual Card: two solutions An e-solution in which Virtual Cards can be generated manually on demand. The member of staff generates a single-use virtual card number when validating the transaction, which is then transmitted to the merchant website through the card payment form. An integrated solution within your company s information system in which Virtual Cards are created completely automatically. Reconciliation made easier The Virtual Card makes it easier to track and analyse your expenses by registering your additional references for each transaction, up to 10 free-text areas. Your company receive an electronic report right after the purchase payment. Benefit from all the features of the Purchasing Card

12 Supplier s Benefits guaranteed payment Payments within four business days, No reminders Reduction in administrative and billing costs Acceptance solution suited to business Interbank solution Choose an acceptance solution that operates with the four banks in the Visa Purchasing network.

13 Become a Purchasing Card supplier It s easy! Join the Visa Purchasing network in France By signing an electronic payment contract with BNP Paribas. Sign up to a Purchasing Card acceptance solution Automated, secure management of authorisation and payment requests. More detailed reports (details of purchases, VAT, etc) in addition to the usual data generated by card payments (card and supplier details,,transaction date and amount including VAT).

14 What type of merchants benefit from the Purchasing Card? You have more than five orders per month with the same clients You want to enjoy guaranteed and faster payments, lower your costs, and retain your good customers Whatever your size or your business, BNP Paribas is happy to advise you on the acceptance solution that best suits your needs. Vi rtual Card e-solution Integrated solution

15 Any questions? BNP Paribas is here to support you Relationship Managers, eager to assist your teams. A dedicated supplier recruitment team, acting in close cooperation with you and all your staff. Dedicated assistance Choose BNP Paribas for a smooth and successful operation Training support for initial transactions Procurement manager support Integrator liaison Pilot market research Supplier support Advice

16 Information? Advice? BNP Paribas is always ready to help Contact your usual Relationship Manager or request a meeting with a Relationship Manager close to you > Call: (0.15 EUR/min) > Visit: Banking and insurance for a changing world