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Trends in Commercial Card and Program Management

NAPCP | TSYS® Research Survey

Executive Summary

The study revealed that program managers and administrators are satisfied overall with their P-Card and T&E Card programs. However, all program types fall short in a number of related areas; controls and compliance, security, monitoring and controlling spend and tracking receipts.


Feedback around barriers to growth diverged between the P-Card and T&E Card programs. While a lack of support from upper management prevents P-Card program growth, the use of personal cards is the primary challenge for T&E Card programs. The relationship between the areas of improvement and the barriers to growth presents opportunities for payment providers. 
Many of these card programs use inefficient, manual processes for auditing and receipt capture (e.g., photocopies). Further, few respondents take advantage of alert notifications, which allow cardholders to create a self-service communication link between the provider and the cardholder to identify legitimate account activity and suspected fraudulent activity. 
Survey respondents are overall satisfied with their EAP programs (consistent with P-Card and T&E Card programs) and identified reduced check volume and financial incentive as the most important EAP features. The study revealed that the overwhelming majority (83 percent) of organizations are paying less than 25 percent of their preferred suppliers with EAP. The primary supplier objection to accepting EAP payments was high fees, followed by a lack of understanding the benefits.
Respondents also indicated high interest in closed-loop payment options, and while two-thirds of respondents do not use it today, nearly half agreed that dynamic discounting or flexible trade terms was important.


The majority (87 percent) of respondents indicated that their organization did not allow employees to make business purchases using a mobile wallet (i.e., Apple Pay, Android Pay or Samsung Pay), with about half stating they were not likely to allow it in the future. Payment security and establishing acceptable use policies represented the greatest concerns for mobile wallet use.


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