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Treasury and Payments

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.

Learn more about our treasury solutions:

Credit and Financing

Prepare for future growth with customized loan services, succession planning and capital for business equipment or technology.

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Commercial Real Estate

Get the strategic support to be successful throughout market and real estate cycles with insights, hands-on service, comprehensive financial solutions and unrivaled certainty of execution.

Learn more about our commercial real estate solutions:

International Banking

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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Discover the latest numbers, news and market moves to know about each week with Ginger Chambless, Commercial Banking’s Head of Research.

Purchasing Cards

Use a purchasing card to help streamline payments and set controls for everyday outlays

How can purchasing cards help your organization?

Purchasing cards—also known as P-cards or procurement cards—are a type of charge card that can be used to simplify ordinary purchases. Typically, businesses or government entities will issue P-cards to employees, who then follow pre-established guidelines for charging goods and services.

The main benefit of a commercial purchasing card is that it can help reduce time and costs related to the approvals process—like filling out a complicated requisition form just to buy new office supplies. Alternatively, procurement cards can be used to streamline payments to vendors. Importantly, card users can also implement controls that control transaction limits and other specifics.

Benefits of J.P. Morgan purchasing cards

Enhanced Spending Control

Purchasing cards enable your organization to track spending before and after it happens. Program-level and individual account controls let you govern employee purchases across your organization.

Optimized payables process

J.P Morgan’s online program and account management tools put you in the driver’s seat with a wealth of on-demand information and the ability to fine-tune purchasing controls. Our technology can integrate with your financial systems to simplify card management, giving you a more complete picture of spending and the insights to help you make informed decisions.

Long-term value

We’re focused on delivering constant value to our corporate purchasing card clients. Our team can help you analyze data, build a business case for strategic payments, implement industry best practices and assess your program’s past performance and evolving needs.

Contactless solutions

Contactless P-cards allow employees to make quicker purchases while on-the-go. By adding a card to Apple Pay, Google Pay or Samsung Pay, your organization gains the flexibility to make fast, secure purchases online or in-person.

More commercial cards for your business lineup

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Purchasing card FAQs

Get in touch to see how J.P. Morgan Purchasing Cards can help your business