Payment Cards
Company finances under full control. Discover the power of Citi Handlowy corporate cards.
In a dynamic business environment, effective management of corporate expenses is key to stability and growth. Our corporate cards are business payment solutions that ensure global acceptance and advanced tools to optimize financial processes, improve liquidity, and enhance transaction security.
Talk to an expertTailor the solution to the financial strategy and specific needs of your company.
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Visa Business Credit Card
Our credit cards are a flexible tool for managing cash flows and business expenses. Your company gains access to additional funds through a credit limit and the flexibility of deferred payment terms to optimize working capital.
Key benefits:
- Liquidity optimization
Extended repayment periods allow you to manage company funds freely. - Global acceptance
You can pay for business travel, online subscriptions, and purchases worldwide. - Security and insurance
A comprehensive travel insurance package and transaction protection through the chargeback service.
- Liquidity optimization
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Visa Business Debit Card
Debit cards are a secure and convenient tool for managing business expenses (or cash withdrawals from ATMs), using directly funds held in the company account. As your account is debited immediately, your company gains full, real-time control over costs and simpler accounting processes.
Key benefits:
- Real-time control of expenses
You can monitor every transaction instantly after it is made and efficiently manage employee spending limits. - Access to company funds
Payments in Poland and other countries using funds available in accounts held in PLN, EUR, or USD. - Simplified settlements
Automated accounting processes through a simple and direct link between expenses and the company account.
- Real-time control of expenses
ONE PLATFORM, TWO PERSPECTIVES. FULL CONTROL WITH CITIMANAGER.
Expense management center
CitiManager ensures full control over company finances. This platform enables real-time management of the entire card program, expense analysis through advanced reporting, and automation of accounting processes via easy integration with ERP systems.
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Advanced reporting
Access to a comprehensive reporting module.
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Limit management
Immediate adjustment of transaction limits and 24/7 card blocking.
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Process automation
Digital card application workflows and seamless integration with accounting systems.
CONVENIENCE AND TRANSPARENCY FOR EMPLOYEES
Employees gain immediate and clear visibility into their business expenses. With an intuitive mobile app, they can monitor transactions in real time, check available funds, and manage their card from any place in the world.
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Mobile access
Full functionality within a dedicated and secure smartphone app.
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Transaction overview
Ongoing access to the history of spending and authorizations.
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Self-service
Ability to view the PIN code and download statements without contacting the bank.
Why choose a card program with Citi Handlowy?
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Secure company transactions
We implement the highest protection standards, including strong authentication (PSD2) and advanced monitoring systems to safeguard your company’s finances.
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Easy integration and automation
Our business payment solutions are designed for seamless integration with your financial and accounting systems to enable optimized financial processes.
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Dedicated expert support
We provide professional advice and support at every stage – from implementation to day-to-day operation of your card program.
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Global reach, local expertise
As part of the global Citi group, we combine international expertise with in-depth knowledge of the Polish market, delivering world-class solutions.
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”.
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 Cards can optimize financial processes within your organization. We will prepare a tailored offer that meets the unique needs of your business.