Arizona Bank & Trust
Payment Solutions

No matter the size, a solid payments strategy is crucial to the success of any business.

We offer payment solutions - not just a credit card

We continuously find the best opportunities to optimize and grow our client’s payment strategies. This dedication has led to establishing us among the highest commercial credit card purchase volume for VISA® credit card issuers in the U.S. four years in a row! ~ The Nilson Report, 2019

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 suppliers onto your card and/or EAP program.

Reduce payment fraud
In 2018, payments fraud reached a new high, with 82% of businesses reporting* they were targets. With our intuitive tools, we’ll work with you to help ensure you’re not the next victim.
*2019 AFP Payments Fraud Survey

Ready to optimize your payments strategy?

Contact Us

Improve cash flow
Pay your vendors now, but don’t pay us until 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
We offer a rebate on card purchases and can help your business reduce AP processing costs.

 

Product Overview

Commercial One Card
With combined travel and purchasing functionality, this ONE card does it all. Use for travel, pay vendor invoices, tailor spending limits, manage controls and more.

Ghost Card
This type of virtual card helps your business reduce employee reimbursements while maintaining control with department issued accounts. You can also file it with your vendors to reduce invoicing for recurring payments.

EAP (Electronic Accounts Payable)
An alternative payment solution to checks, EAP provides a streamlined and secure process which reduces costs and can generate significant revenue. With EAP, businesses can pay invoices for goods and services directly from a payment file generated from an existing accounting system. Watch the quick video to learn more!

Fleet Card
Fleet Cards help manage fuel costs while reducing internal fraud. You can also oversee and review expenses for equipment needs.

Expense Management
An intuitive and easy-to-use platform, VISA® IntelliLink streamlines manual processes and initiates company cost savings. This platform includes full expense management, robust reporting, advanced receipt imaging and mobile app capability.


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Card Management
An online card management tool enables administrators to monitor and update card accounts. This platform allows real time card changes and the ability to view authorizations and transaction history.

 


Program Administrator Customer Service

Monday - Friday: 8:00 a.m. - 6:00 p.m. CT (closed on Federal holidays)
Phone: 877.346.1412
Email: CommercialCards@htlf.com

 

Cardholder Customer Service

Employee/Cardholder Customer Service Phone: 833.203.3213

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