Debit Cards
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Debit Cards

It is a secure and reliable solution that provides direct access to company funds while enabling real-time monitoring of every expense, giving you full control over costs across your organization.

karta debetowa

In an environment where budget discipline and transparency matter, the Visa Business Debit Card from Citi Handlowy becomes the foundation of effective finance management. 

BUDGET MANAGEMENT WITH PRECISION AND NO COMPROMISES
SIMPLE STRUCTURE – EASY MANAGEMENT

Our Visa Business Debit Cards offer flexibility through a many-to-one structure. All employee cards can be linked to one central corporate account held in a selected currency, significantly simplifying management and reconciliation.

Feature Benefits
Key currencies Cards can be linked to accounts held in PLN, EUR, or USD to optimize the costs of foreign transactions.
Immediate debiting Every payment is instantly visible on the account, ensuring full transparency.
Simplified statements All transactions from multiple cards are combined into a single account statement, making analysis and accounting easier.

Program management in one place: CitiManager platform

Regardless of the number of cards in your company, you gain 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.

Discover the possibilities offered by CitiManager

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SECURITY AND SUPPORT
HOW TO IMPLEMENT THE CARD PROGRAM IN 4 SIMPLE STEPS

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

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.

A debit card eliminates the risks associated with carrying cash, automates the reconciliation process, and provides a complete digital audit trail for every expense. This ensures a significantly higher level of control, security, and operational efficiency.

No. Our process enables bulk card issuance for employees without the need to collect individual applications or signatures, significantly simplifying and accelerating program implementation within the company.

“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 Debit Cards by exploring our comprehensive documentation. You will find answers to questions about our offering, security, and corporate expense optimization.

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