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Credit Cards
VISA Business Credit Card: a tool that supports a company's liquidity
At Citi Handlowy, we understand that for corporations, a credit card is far more than just a payment method. It is a strategic tool that helps optimize working capital, improve operational efficiency, and strengthen control over corporate finances. Our VISA Business Credit Card with a deferred payment term has been designed to meet the challenges of modern business and support its dynamic growth.
Corporate spending as a competitive advantage
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Working capital (cash flows) optimization
We offer deferred payment terms, even up to 60 days. This provides additional time to settle obligations and allows greater flexibility in managing company funds by enhancing liquidity and operational agility.
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Global control and efficiency
The CitiManager platform simplifies the management of employee travel expenses and procurement processes (B2B payments). It enables centralized reconciliation, reduces administrative costs, and allows real-time expense monitoring.
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High-level security
Our cards help minimize the risks associated with cash handling. They offer advanced security features, a comprehensive travel insurance package, and transaction protection through the chargeback service.
Flexible settlement options – tailored to your company’s needs
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Two repayment models. One flexible solution
Every company has its own organizational culture and financial processes. That is why our Visa Business Credit Card offers two settlement models, allowing you to choose the option that best fits your expense management strategy.
Feature Model 1: Automatic repayment from company account Model 2: Individual repayment to card account Settlement method Transactions are booked in bulk once a month, and the outstanding balance is automatically repaid from the company’s central account. Each card has an individual repayment account shown on the statement. Settlement cycle From the 26th day of a month to the 25th day of the following month. From the 15th day of a month to the 14th day of the following month. Main benefit Automated and simplified accounting. Ideal for companies that value centralization and want to minimize administrative processes. Greater settlement flexibility. The card balance can be repaid at any time without waiting for automatic settlement, which provides more freedom in managing individual repayments. Direct Debit Not applicable. An option to implement Direct Debit in order to automate repayments from employees’ accounts.
Program management in one place: CitiManager platform
Regardless of the selected settlement model, your company gains access to the advanced CitiManager platform. It is a digital command center that enables full control over your card program – from real-time expense monitoring and limit management to advanced analytics.
Security and support
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Rich insurance package
We provide peace of mind for employees during business travel through a comprehensive package of free of charge insurance coverage (including flight delays, lost baggage, and medical expenses). We also offer insurance for your company, protecting it against unauthorized use of the card by an employee.
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Transaction and data protection
We offer Visa’s global security standards and a chargeback service that enables recovery of funds for incorrectly processed transactions. We guarantee regulatory compliance and data protection.
How to implement the Card Program in 4 simple steps
Assessment and limit
Establishment of a global credit limit for your company.
Applications and personalization
Submit applications for employee cards via CitiManager.
Activation and training
Receive the cards and gain access to the CitiManager platform.
Chargeback
Cashless payments are, above all, convenient, fast and secure. They also protect you from dishonest sellers, for example, in the event of failure to deliver goods or if the delivered goods do not match the description. You can protect yourself against the consequences of such situations using chargeback.
What is chargeback?
Chargeback is a procedure which allows a client, in certain circumstances, to get their money back from a card transaction. This service can be used after a failed attempt to resolve the issue directly with the seller. While the chargeback service is initiated by the bank upon the client’s request, it is provided by the payment organization according to their own regulations.
For Business Cards issued by Citi Handlowy, chargeback is offered by VISA.
You can apply for chargeback in the following situations:
- the delivered goods (or service) do not match the description,
- the client was charged for a service or goods that they did not receive,
- the charge amount is higher than the amount due,
- the client was charged twice (or more times) for the same goods or service,
- the payment was settled in a different currency than the one accepted by the client,
- the card has been debited with a regular payment despite a subscription having been cancelled,
- the client has not been refunded for a cancelled transaction,
- the client does not recognize a transaction and believes they have fallen victim to a fraud,
- an ATM did not dispense cash, but the account was debited.
How does chargeback work?
- When applying for chargeback with the bank, the client should submit documents confirming a wrongful charge.
- After accepting the request, the bank refers to the institution settling the seller via VISA, requesting that the transaction amount be refunded.
- The settling institution informs the seller of the client’s request.
- After the seller has considered the request, the settling institution shares the reply with the client’s bank.
- The bank informs the client of the decision concerning the request.
The request may be accepted or declined. If the seller proves that the transaction was executed correctly and the goods match the description, the request will be declined. However, if the request is accepted, the seller will incur all the costs of the procedure and will refund the client.
Rules of a chargeback request
In order to initiate the chargeback procedure, the client may be required to take additional actions or to present documents confirming the legitimacy of challenging the charge. For a successful processing of a request, it is also important to document the client’s previous attempt to resolve the issue with the service provider.
VISA also establishes additional rules, such as limits on transactions subject to a chargeback request. All the rules governing the actions of a payment organization are described in its materials, to be found on VISA’s website, in the section “Visa Rules and Policy”.
FAQ
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How can employee spending be controlled?
The program administrator can set individual transaction limits for each card in real time through the CitiManager platform. Additionally, transactions with specific merchant categories (MCC codes) can be blocked, providing full control over how company funds are used. -
What happens if an employee loses the card?
The card can be blocked immediately 24/7 via the CitiManager platform or a dedicated helpline. The replacement card process is fast and automated to ensure business continuity. -
How can card transaction data improve accounting processes?
The CitiManager platform enables the generation of detailed reports and transaction statements that can be easily exported to formats such as CSV or Excel. This allows quick and error-free import of data into your financial and accounting systems (ERP), significantly reducing reconciliation time and eliminating the risk of errors in manual data entry. -
What does the statement “Card made with 100% recycled PVC” on the back of the card mean?
"Card made with 100% recycled PVC” on the back of the card indicates that the plastic component of the card is made entirely from rPVC (recycled PVC).
Visa Business Card documentation
Discover the benefits and features of Visa Business Cards by exploring our comprehensive documentation. You will find answers to questions about our offering, security, and corporate expense optimization.
Contact for enterprises and corporations
Let's talk about the benefits for your company.
Please contact one of our consultants to learn how the Visa Business Credit Cards can optimize financial processes within your organization. We will prepare a tailored offer that meets the unique needs of your business.