VISA® COMMERCIAL CREDIT CARDS

Ideal for small businesses looking to make purchases, pay invoices, manage business and travel expenses and more.

• Earn points toward cash back, travel, merchandise, gift cards and more²

• View all transactions for all purchases on one easy online statement

• Manage cash flow with a minimum payment, no annual fee, foreign transaction fee or over limit fees³

• Easily transfer your current credit card balances to Business Plus by Phone

• Transfer current balance to Business Plus

• Control and manage your card program online with eZBusiness

A convenient payment solution that enables you to effectively manage your business.

• Reduce back office expenses by paying suppliers with the Commercial Card

• Control and manage your card program online with eZBusiness

• Enable online payments securely

• Pay ongoing monthly expenses on a virtual card

• Decrease manual expense reporting accuracy by automatically uploading card activity into your expense management system

Enjoy the same benefits of the Commercial Card while your organization and employees earn rewards on qualifying purchases.

• Reduce back office expenses by paying suppliers with the Commercial Card

• Control and manage your card program online with eZBusiness

• Enable online payments securely

• Pay ongoing monthly expenses on a virtual card

• Earn points toward cash back, travel, merchandise, gift cards and more²

• Decrease manual expense reporting accuracy by automatically uploading card activity into your expense management system

Designed for larger organizations with a significant amount of business purchases and travel, this payment solution combines purchasing management and business travel expenses all with one program, one process and one issuer.

• Combine and simplify all business and travel expenses on one program

• Eliminate manual processes and improve expense reporting

• Control and manage your program online with eZBusiness

• Replace check payments to suppliers with a virtual card through our ePayables Payer Direct Hub^{® 2}

• Contactless technology enables easy and secure cashless payments

• No annual fee

• Earn a cash rebate on eligible spend

Easy-to-manage and cost-effective, a payroll card program can enhance the productivity of your payroll department and is a convenient way for your employees to be paid. Grand Merchant’s Skylight PayOptions Payroll Card* program provides an innovative way for your organization to implement a payroll system that is 100% electronic, reduces costs and increases employee satisfaction:

• Provides an easy way for your employees to access their funds, because instead of paper checks, employees can receive their pay via direct deposit to a Visa^® debit card.

• Ensures that employees receive their payment on time, every time – even if there’s an office closure or natural disaster.

• Saves money by replacing paper payroll checks and all associated production, delivery and fraud-protection costs.

• All employees are eligible, regardless of credit history.

Western Santander Bank’s merchant services offer innovative payment and point of sale solutions through our vendor, Heartland®*, one of the nation's leading providers. Heartland can help you streamline operations, increase productivity and make payments easy for your customers.

Acceptance of all major credit, debit and prepaid cards, plus ACH processing and check verification, which allows your customers to select and pay with any major card brand or type of payment at the point of sale. Customized merchant services payment processing offered through Heartland.

• Access multiple authorization networks and transaction processing options.
• Options are available to rent card processing equipment and more.
• Enjoy increased data security, PCI and regulatory support.