1. Citi® Commercial Cards
B2B Cards for Non-PO Spend
January 2013 1

2. Citi Commercial Cards: Targeting Non-PO Spend
Citi’s B2B Card products enable opportunities to realize process efficiencies by shifting low-dollar and indirect spend from a PO-Invoice process to a streamlined, card-based Non-PO process
Evolving B2B Card Use
Benefits
Streamlined purchasing and accounting processes
Visibility into consolidated spending data
Reduction of costs from low-dollar and one-off invoices
Improved cash flow and rebate opportunities
Citi B2B Card Payment Options
Purchasing Cards
Ghost Cards
Virtual Card Accounts
Post-Invoice Spend
eProcurement
Non-PO Spend 2

3. Citi B2B Card Payment Products for Non-PO Spend
Citi’s individual B2B card products provide options to flexibly meet clients’
requirements for implementing effective Non-PO card solutions
Features and Relative Benefits: By Product
Citi Purchasing Cards
Secure, controlled cards distributed to employees for purchasing
Card-level controls support policy compliance and limit misuse, including MCC blocks, transaction limits, and velocity controls
Citi Ghost Cards – “Lodged”
Citi Ghost Cards – A/P Department Card
“Plastic-less” card accounts stored by the supplier or by the buyer
Complementary solution for frequently used & strategic suppliers
Consolidate spend by supplier to ease reconciliation and coding
Easy to setup, use, and administer
Citi Virtual Card Accounts
Single-use virtual card numbers for card-not-present purchases
Granular transaction-level controls ideal for higher-dollar purchases
Enhanced pre-transaction data capture to support reconciliation, allocation, and reporting 3