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HSBC Innovation Banking Business Charge Card

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Simple and effective management of travel, entertainment and other business expenses.

This could be the right solution for you:

  • If you want to be able to simply and quickly manage your travel and entertainment expenses
  • If you want to control who spends what, when and how much
  • If you want to encourage staff to work efficiently and effectively, by being able to pay directly for their expenses
  • If you want actionable insights into your spending and suppliers

Key Features

Control

  • Set a maximum spending limit for each cardholder
  • Control permitted spending categories to ensure cards are only used for their intended purpose
  • Choose whether or not your cardholders have access to cash

Monitor

  • Monthly statements will be provided online, to you and each individual cardholder

Flexible

  • Choose when your business receives monthly statements and how you settle them – BACS, Direct Debit, SEPA Direct Debit for GBP and EUR currency cards and bank transfer for USD
  • Your business can benefit from up to 56 days’ interest free credit
  • Your cardholders can place their Business Charge Card details on file with participating merchants, including travel agents to settle associated transactions

T&Cs and other eligibility criteria apply.

Key Features

The Benefits

Unsurpassed Global Acceptance

  • Unsurpassed Global Acceptance

Flexible Spending Controls

  • Ability to amend your card status – lost or stolen, active, inactive, temporary block
  • Flexible limit changes and adjustments

Reporting and Online Programme Management

  • Flexible spend controls
  • Interactive card programme administration
  • Apply for and manage cards online
  • Review transactions and download statements

Data integration

  • Daily card spend data feeds into your expense management system

Billing & Settlement

  • Central corporate billing and settlement
  • Flexible billing cycle choices
  • One monthly statement

Repayment Options

  • Bank transfer or Direct Debit¹

Servicing

  • English language client service, available Monday - Friday 8am – 5pm
  • 24/7 Lost & Stolen Support
  • Fraud and chargeback protection

3 currencies

  • Available in GBP, EUR and USD

Security

  • Contactless & Chip-and-PIN

1 Direct Debit available for EUR and GBP programmes only

Account Information and Reporting service benefits

Control cash flow

  • View your domestic and international accounts in one single place
  • View incoming and outgoing transactions from your account for accurate cash flow forecasting
  • View closing and current ledger and available balances to accurately determine your cash position

Convenient

  • Customise your transaction view by ordering or sorting columns for your specific needs
  • Export balance or transaction details to PDF, Excel, Quicken and QuickBooks formats
  • Use our Mobile app to view account balances and transactions on-the-go

Save time and money

  • Create account balance and transaction alerts and be notified via email or text message
  • Email reports and statements directly to your inbox without logging into HSBCnet
  • Setup a direct automated feed with your Sage accounting software platform

Payment service benefits

Control cash flow

  • Create domestic Priority, Non Urgent payments, international (Cross Border/Crosscurrency) and SEPA) payments
  • Control payment authorisation as either sole or dual control
  • Set up future-dated or recurring payments
  • Set up profile and/or user daily authorisation payment limits
  • Preview or accept foreign currency exchange rates

Convenient

  • Field validation capabilities that include feedback on any errors, helping to prevent unnecessary payment repairs
  • Track payments to give you increased visibility and make it easier to manage your payments
  • Use our mobile app to create, authorise and track payments on-the-go

Save time and money

  • Payment advising allows you to notify your beneficiary of pending payment via email or text message
  • Create payment status, authorise alerts and be notified via email or text message

Already a client?

To find out more, please speak to your Relationship Manager

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