Payment Cards
Our corporate cards are business payment solutions that ensure global acceptance and advanced tools to optimize financial processes, improve liquidity, and enhance transaction security.
Citi Handlowy offers a comprehensive range of corporate cards along with a suite of solutions designed to meet the needs of our clients and provide benefits to their organizations. Above all, they make it easier to oversee business expenses, for example, they are perfect for business trips abroad.
TAILOR THE SOLUTION TO THE FINANCIAL STRATEGY AND SPECIFIC NEEDS OF YOUR COMPANY
ONE PLATFORM, TWO PERSPECTIVES. FULL CONTROL WITH CITIMANAGER.
We understand that effective management of a card program requires tools tailored to different roles within the organization. That’s why our CitiManager platform offers two dedicated interfaces: a powerful control center for Administrators and an intuitive tool for Cardholders, also available as a mobile app.
- CitiManager for the Program Administrator
- CitiManager for the Cardholders
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.
- Advanced reporting: access to a comprehensive reporting module.
- Limit management: immediate adjustment of transaction limits and 24/7 card blocking.
- 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.
- Mobile access: full functionality within a dedicated and secure smartphone app.
- Transaction overview: ongoing access to the history of spending and authorizations.
- Self-service: ability to view the PIN code and download statements without contacting the bank.
WHY CHOOSE A CARD PROGRAM WITH CITI HANDLOWY?
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?
- When can you apply for chargeback?
- How does chargeback work?
- Rules of a chargeback request
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 detailed documentation. You will find answers to questions about our offering, security, and corporate expense optimization.
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