Commercial Card

Managing your commercial card program

We designed our PaymentNet® program management platform to power streamlined Commercial Card administration and reporting.

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Customizable implementation and ongoing training

Streamlined program setup

An experienced implementation manager guides you through every step of the process and provides support along the way—including in-depth discovery to understand your processes and structure, configuration, testing and the transition to business as usual.​

Training opportunities for your team

We offer regular training for program administrators, including weekly program administration webinars, monthly knowledge share webinars and ad hoc custom program administration sessions. We also offer a suite of resources program managers can leverage to train their employees.

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Optimize administrative functions

Program administrators can take action on core tasks, make payments and gain visibility into their card programs directly from their homepage.

Automate approval workflows based on criteria you set, such as transaction amounts or merchant category codes.

Enable employees to request a card online and allow managers to review and approve these requests.

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Streamline reporting and account management

Access a suite of standard reports for common data needs. Users can also create custom reports, layouts, filters and advanced queries to capture the information they need. 

Store your reports for later use or automate them to enhance your reconciliation processes. You can also securely transmit files to your enterprise resource planning system (ERP) or accounting software. 

Create flexible file extracts to map information and push transaction data directly to your ERP and financial systems. You can share your mappers across your company to reduce manual work and enable cross-functional support.

Simplify cardholder tasks

PaymentNet helps clients streamline their commercial card programs, creating efficiencies for businesses and cardholders alike.


PaymentNet is J.P. Morgan’s proprietary, web-based program management platform to help clients manage the day-to-day administration and reporting for their commercial card program.

PaymentNet helps businesses create efficiencies by automating administrative functions, simplifying cardholder tasks and streamlining account reconciliation. The platform also allows users to set controls and promote policy adherence across divisions, locations and departments. Further, users can gain greater transparency into their spending to help them manage business expenses.

Yes. PaymentNet is included with all commercial card programs, including J.P. Morgan One Card, Virtual Card, Purchasing Card and Corporate Card.

Clients can access PaymentNet by visiting

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