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Payment Solutions

The payments landscape is changing

With 73% of companies transitioning from paper checks to electronic payments1, now is the time to make the switch from outdated, costly and time-consuming payment methods. Upgrading to automated, customizable payable solutions can:

  • Save time and money by automating vendor payments 
    Our team can provide an analysis of your vendor file to identify opportunities for savings and will work on your behalf to enroll vendors onto your card and/or the Integrated Payables platform. This allows you to focus your time and resources on growing your business.
  • Reduce payment fraud 
    In 2021, 70% of businesses fell victim to payment fraud2. Safeguard your assets with our fraud prevention tools.
  • Improve cash flow 
    Pay your vendors now; pay us when your statement is due. This provides up to 25 more days to pay for everything your business needs, from travel and entertainment to inventory and supplies.
  • Add recurring revenue to your balance sheet with revenue share

 

Product Overview

Commercial One Card

With combined Purchasing Card and Travel & Entertainment (T&E) Card functionality, this ONE card does it all. Use for travel, pay vendor invoices, tailor spending limits, manage controls and more.

Virtual Card

Allows access to higher spending limits, reduces the potential fraud risk in comparison to a physical card, and streamlines recurring payments.

Fuel Card

Restricted card for fuel and maintenance purchases only to help reduce internal fraud. With enhanced transaction data, POS prompting, comprehensive reporting and more, this card helps you manage expenses for both your individual drivers and vehicles.

VISA® Spend Clarity

Streamline manual processes and uncover opportunities for cost savings with our easy-to-use online platform. You can fully manage expenses, access robust reports and use advanced receipt imaging. Conveniently access VISA® Spend Clarity from anywhere at any time with the mobile app.

Card Management

This tool allows you to remain in control with the ability to make real-time card changes and monitor transaction history.

Integrated Payables

The complete payment solution for ALL payment types, Integrated Payables turns expenses into revenue.

You may also be interested in:

Business Checking Accounts

Optimize your cash flow and enjoy flexibility with our operating accounts.

Business Savings Accounts

Get the most out of your balances while maintaining access to your funds.

Retirement Planning Services

Attract and retain talent by offering a company-sponsored retirement plan that provides your team with the financial wellness they desire.

Our Commercial Banking Team is ready to help your business grow.

Business Insights

  • Payments
Primary Source of Fraud: Business Email Comprise Email communication plays a major role in how many businesses conduct their daily operations. Fraudsters continue to adapt...
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Fraudsters Continue to Target Check Payments A large majority of organizations are still using checks for outgoing payments and checks continue to be the primary target of...
  • Fraud & Cybersecurity
Fraud continues to be a challenge for many organizations. According to the 2023 Association for Financial Professionals, 65 percent of organizations report that they continue...

Credit Cards are issued and serviced by HTLF Bank d/b/a HTLF Bank Card Services.. Normal underwriting guidelines apply.

12022 Association for Financial Professionals Payments Cost Benchmarking Survey

2Association for Financial Professionals: 2022 Payments Fraud and Control Survey Report

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