Smarter Payments
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Improve your working capital, reduce fraud and minimize the impact of unexpected disruptions with our treasury solutions—from digital portals to integrated payables and receivables—all designed to make your operations smoother and more efficient.
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Global opportunities mean global challenges. But real success means understanding the local markets you serve—which is why we bring the business solutions, insights and market perspective you need.
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Insights
Newsletter
Find insights to inform better business decisions, from industry trends and best practices to economic research and success stories. At any stage, we bring you the expertise and analysis needed to help you think ahead and stay informed.
Discover the latest numbers, news and market moves to know about each week with Ginger Chambless, Commercial Banking’s Head of Research.
Smarter Payments
Michael Vint, Director of Finance, Thermon, Inc.: My name's Michael Vint, I work for Thermon. Our main product is electrical heat tracing. So, process heating is what we deliver to a commercial environment.
Heather Fraser, Client Relationship Manager, Chase and J.P. Morgan: Thermon is one of our strategic partners in the southwest Texas market. We're very gratified to have the opportunity to start and implement their commercial card program.
Bill Gleason, Client Relationship Manager, Chase and J.P. Morgan: Most clients are pretty excited about the financial return that can be derived from an implemented commercial card program.
Michael Vint: J.P.Morgan pitched to us their process where they would contact our vendors on our behalf and try and get as many to sign up for the program.
John Jennings, Client Relationship Manager, Chase and J.P. Morgan: Within our firm we've really got a core competency in onboarding suppliers and helping clients grow their programs to the largest level that it can be.
Michael Vint: So, we provided them the information, the contact lists and they went and started dialing.
Heather Fraser: We had an understanding of the way that they do business, the way that they pay the suppliers, where there might be gaps or opportunities that we could address.
Michael Vint: They contacted the vendors on our behalf and we were able to secure those contacts. So we went from one purchase on the purchase card—$78—and it looks like we're going to purchase, through the program this year, over $18 million.
Gail Alexander, Accounts Payable, Thermon, Inc.: The Commercial Card has really helped us pay vendors on time.
Michael Vint: In the case of vendors that may not know us, to find out that they're going to get paid immediately with a credit card—that's a great tool to have in our process.
Gail Alexander: Most of our vendors are much happier with the PCard than they were with the check system, and they don't have to wait for a check to go through the postal service—it doesn't get lost in the mail. And with the PCard, you eliminate all of those problems.
Michael Vint: So, what we expect with the Purchase Card program in the future is the Single-Use AccountsSM. And we'll be able to generate a batch out of our payment system and send it straight to the bank, and the bank will take care of the payment on our behalf.
Gail Alexander: I think the main thing that it will do is eliminate the possibility of a lot of fraud. You give them an amount they're going to charge and you don't have to worry about anybody sneaking in and doing more on it.
John Skinner, Head of Commercial Card Relationship Management, Chase and J.P. Morgan: We help our clients' card programs grow on a daily basis by leveraging the experience that we have as a team, combined with the leverage of the experience that we have with working with thousands of clients across the firm.
Michael Vint: That is satisfaction—to go back to your boss and say you've gone from zero to $18 million. This is the kind of rebate we're going to receive. That's money. We partnered with a Commercial Card and it drove the program. Mission accomplished.
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