Card and
Processing
Solutions
Processing
Solutions
YOUR END-TO-END SOLUTION
As a reliable, cost-effective third-party processor, we empower more than 220 financial institutions to manage their card hosting and transactions more efficiently, thereby helping them to increase revenue and reduce costs.
OUR SOLUTIONS
commercial
customers to
a new way of spending
Expand your business offering and enable your customers with Commercial Cards.
BENEFITS FOR ISSUERS
Building your own world-class commercial card programme requires the right intellectual resources and a significant financial investment. Our solution helps your customers to build a bespoke product to meet their unique needs through customisable parameters.
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DIFFERENTIATED OFFERING
Now you have the ability to help move customers away from using commercial cards with consumer-driven functionalities to a purpose-designed range of commercial card products.
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ACQUISITION GROWTH
With a fresh and superior commercial card product to offer, you can expect to see a growth in commercial customers, leading to increased profitability.
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INCREASED REVENUE
Estimates show that around 40% of an issuer's consumer credit card turnover results from B2B spending. This means there's a massive opportunity in migrating this spend, unlocking higher interchange revenues.
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ENHANCED CUSTOMER RETENTION
By offering an unparalleled commercial card product, you can help create significant value for your commercial customer, resulting in increased retention and enhanced customer loyalty.
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COMPETITIVE ADVANTAGE
Being the first mover in an under-served market automatically positions you as the market leader, allowing you to increase market share and win more RFPs, due to your new capabilities.
YOUR END-TO-END SOLUTION
In business, timing is everything. But keeping a firm grip on expenses, managing cash flow and keeping up with the admin of outdated disbursement processes is a thief of that time and undermines business agility.
The commercial sector needs an effective solution to empower commercial purchasing. On evaluation, we found no compelling offerings available in our markets – so we designed one ourselves. Built around commercial customers' business needs, our solution includes a comprehensive range of card types for you to offer to your customers.
A FULLY FLEDGED COMMERCIAL CARD SOLUTION FOR YOUR SME,
LARGE CORPORATE,
PUBLIC SECTOR AND MULTINATIONAL CORPORATION
The Commercial Card solution from Network International allows businesses to provide specialised Commercial Cards to their employees for multiple-use cases. Companies have full control of decentralised expenditure from a centralised point, while employees are empowered to make the right call for business growth.
Based on global growth figures, the need continues to grow, but there isn’t a real banking solution to address this in Africa and the Middle East. Until now. Will you be the first in the market to meet this need?
Global annual Commercial Card volume growth rate*:
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6%
CONSUMERS
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9.3%
COMMERCIAL
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193%
VIRTUAL
WHAT WE OFFER
COMMERCIAL CARD PRODUCTS
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Business and Corporate Cards
A versatile and customisable card designed to address the specific and complex requirements of large customers. Enabled with specified limitations and made to behave in a particular manner.
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Central Travel Account & Travel lodged account
Changes the way larger commercial customers pay for travel, moving them from a debtor's relationship with their travel management companies to a centrally lodged travel expense credit card.
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Procurement Cards
Used by medium to large corporates, this card was initially launched to replace the petty cash system but is now also used to make high-value purchases.
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Fleet Cards*
Typically used by transport companies in commercial transport, this card is also ideal for smaller fleet owners. It is restricted to particular spend categories, like fuel, tolls and maintenance.
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Virtual Cards*
Perfect for any commercial customer looking for absolute control over their virtual card spend, through an incredible range of restrictions. Can replace cheques and bank transfers.
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Integrated Travel Solutions*
Secure way of making travel-related bookings or payments with the added benefit of only paying on the due date of the card, freeing up valuable funds. Pre-integrated with Global Distribution Systems.
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Digital Procurement Solutions**
Allows procurement departments to automate their process based on predefined rules, creating a reduced and beneficial cost of funds for large and corporate to multi-national companies.
Product Features
+| Product | Charge Card | Revolving Card | Installment Payment Plan | Interest bearing | Shariah Product | Card Hierarchy | Roll-up of Balances | Setting of Billing Level | Open to Buy Upstream Checks | Double Exposure Restriction | Virtual Card | Issuer Tokenisaion | Variable Pricing | Cash Rebate / Reward |
| Business and Corporate Card |  |
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Up to 5 levels |
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| Fleet Card |
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Up to 5 levels |
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| Fleet Card- Frictionless |
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Up to 5 levels |
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| Travel lodged Card |
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Up to 5 levels |
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| Integrated Travel Solution |
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Up to 5 levels |
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| Procurement Card | |
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Up to 5 levels |
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| e-Procurement |
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Up to 5 levels |
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Existing feature in the Market
Network Commercial card solution - new features
introduced to the market
VALUE-ADDED SERVICES
Virtuoso Data &
Expense Management
Allows for better visibility and control of spend across Commercial Card portfolios, ensuring corporations can clamp down on undisciplined spending.
Self-service
Studio
Rather than contacting a call centre or banker, the user can access the platform on any web-enabled smart device or computer.
Mobile and Web
Applications
Our mobile and web-based application allow for a better Commercial Card user experience and control, with the ability to create virtual cards.
BENEFITS FOR COMMERCIAL CARD
CUSTOMERS
Enable your customers to separate commercial and personal expenses, creating improved efficiencies and control in finance and procurement departments.
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Better spend control -
Significant cost savings -
Granular control at up to 5 levels to mirror corporate hierarchy
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Reduced expense fraud -
Straightforward expenses processing -
Seamless integration of company policies into card products.
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Employee satisfaction -
Funding benefits
Our Benefits
- Our regional footprint gives you access to our ever-growing experience and knowledge.
- As a leading regional third-party processor, we are able to offer turnkey card processing solutions, either through physical installations and/or via managed services.
- A suite of APIs to help you seamlessly integrate, absorb and leverage all of our services efficiently.
- Our call-centre services are available 24/7 for all technical support queries.
- Our SMS services provide you with an SMS-based alert for your cardholders.
- Card-migration services assist in effortlessly moving an existing card portfolio to Europay, Mastercard, and Visa (EMV) chip cards.
