When you want to streamline payment processes and drive efficiencies in your organisation, our solutions can give you a range of payment options for travel, entertainment and business supplies.

As well as optimising working capital across your business, our cards can also deliver:

  • Greater control and security over your business expenses, with online access to card spend.
  • Enhanced reconciliation and simplified expense claim processes.
  • Automated and enhanced data capture linked to your current software, producing reports tailored to your business.
  • Prompt supplier payment, opening up opportunities to discuss and improve commercial terms.
  • Euro and US Dollar billed solutions to eliminate conversion costs when transacting in those currencies.

The right product for your business

Your need

Our Solution

How it works

Payment Network

Your need

Paying across multiple categories – travel, entertainment and business supplies.

Our Solution

Corporate MultiPay 

Bank of scotland business card

How it works

Cards used by employees in person, online or by phone, or embedded with key suppliers.

Payment Network

Your need

Making payments to your Travel Management Company (TMC).

Our Solution

Business Travel Solution

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How it works

Payment mechanism embedded within your TMC booking system.

Payment Network

Your need

Digital payment solution for colleagues’ travel and business purchases.

Our Solution

ePay Virtual

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How it works

Unique virtual card numbers are raised for individual purchases to control usage and spending.

Payment Network


To help you compare our Commercial Card currency conversion charges with other providers you can find the percentage mark up over the European Central Bank rates here

Case studies

Read about how we've helped other businesses just like yours

Read case studies

Working capital

Commercial Cards can help you optimise working capital while improving payment processes.

  • Longer payment cycles created by consolidating card purchases into a single monthly account.
  • Reduced cost of capital with up to 45 days to pay interest free on Sterling purchases.*
  • Take advantage of early payment discounts, with suppliers typically receiving payment within 4 business days while you pay later.
  • Eliminate cash advances for Travel & Entertainment purposes, with an easy to control payment method.


* or Euro or US Dollar purchases depending upon currency of account.

Reporting and reconciliation efficiencies

Our payment solutions can simplify the reconciliation process and enhance reporting efficiencies. We can provide access to web-based reporting and management information systems.

  • Tailored reports and data integrated within your current accounting and expense management software systems.
  • Efficient invoice processing from automated transaction information and coding.
  • A streamlined system removing the need to raise Purchase Orders, meaning less administration and reduced time in reconciling payments.
  • Access to spend data through one online data management system.
  • Colleagues having a simpler, quicker and more efficient way of managing expenses.
  • Customisable management systems to fit with your organisation’s specific needs.
  • Automatically generated reports and data, with online access to colleague expense information 24/7.

Security & Control

Our cards are designed to give you control over how and where your colleagues spend your business’ money, while allowing you to monitor and analyse colleague spend in real time.

  • Options to set colleagues’ transaction/monthly limits and spend categories.
  • Automated management information: control, manage and analyse supplier spend patterns.
  • Provides appropriate oversight to ensure colleagues’ purchasing is in line with risk and governance policies.
  • Simplified expense claim processes and added convenience for colleagues.
  • Online access to accounts.

Payment Solutions

Lloyds Bank Cardnet© helps you accept payments securely from all major cards in person, by phone or online.

More about Payment Solutions

Commercial Card Internet Servicing

Commercial Card Internet Servicing (CCIS) is our online card management service that allows you to manage your Corporate Card Programme efficiently, giving you control of your finances 24 hours a day, 365 days a year.


Programme Administrators can
  • Manage multiple cardholders and card programmes.
  • Gain insight into your card programme spend using reporting tools.
  • Access your monthly statements in real time.
  • View the past 12 months transactions and statements.
  • Allocate and manage credit lines and authorisation controls.
  • Register cards individually or in bulk without paper forms.
  • Access your services securely online.
What your cardholders can do
  • Manage all their commercial cards in one place.
  • Activate their cards online.
  • View historic and real time transactions and statements.
  • Make card and PIN requests.

All applications for our products and services are subject to eligibility criteria.

Products and services

Emergency card and cash solutions

We offer an emergency card and/or cash services to cardholders travelling overseas when a card has been lost or stolen. This service is available 24 hours a day, 365 days a year.

Commercial Card Resources Centre

Here you’ll find the latest copies of our Programme Administrator Guides, Cardholder Guides, Terms and Conditions and the forms you’ll need to manage your card programme.

Products terms & conditions

Ensure you're up to date with our products and services' latest small print.

Economics and insight

Read our latest in-depth analysis and topical articles.

Useful contacts

Should you need assistance once your programme is set up please contact the relevant team.