Corporate Card (Charge Card) — Texas Capital Bank

The Corporate Charge Card from Texas Capital Bank is a specialized payment solution designed for businesses that require centralized expense control, efficient reconciliation, and strong security features. This card is intended for companies of all sizes seeking greater visibility into employee spending, improved cash flow management, and simplified accounting workflows. As a charge card, balances are due in full according to the billing cycle, offering disciplined payment behavior and predictable reconciliation for treasury and finance teams.

Key Benefits

• Improved Cash Flow Control: Charges settle on a regular cycle so finance teams can plan cash requirements while benefiting from short-term float between transaction date and payment date.
• Comprehensive Spend Visibility: Detailed transaction feeds and reporting give real-time insight into departmental and employee-level expenses.
• Centralized Expense Management: Consolidate purchases, travel costs, and supplier payments under corporate policies to reduce rogue spending and streamline approvals.
• Enhanced Security and Fraud Protection: Advanced card controls limit exposure to fraud, while secure authentication and monitoring protect cardholders and the company.
• Streamlined Reconciliation: Integrated data exports and customizable reporting reduce manual entry and accelerate month-end close processes.

Features

• Charge Cycle: Full balance settlement requirement by a set due date each billing cycle, supporting disciplined financial governance.
• User Controls: Issuer-managed limits, merchant category restrictions, single-use or multi-use virtual cards, and time-bound authorizations.
• Virtual Card Capabilities: Generate virtual account numbers for online purchases or one-off vendor payments to improve security and reduce card data exposure.
• Integration with Accounting Systems: Exportable transaction files in multiple formats to integrate with ERP and expense management platforms.
• Customizable Spend Policies: Set spend categories, per-transaction limits, and approval workflows that match corporate policy and hierarchy.
• Detailed Reporting Suite: Standard and custom reports include transaction-level details, spend by cost center, reconciled vs. non-reconciled items, and monthly summaries.

Security and Fraud Prevention

Security is central to the Corporate Charge Card offering. Real-time monitoring and intelligent fraud detection analyze transaction patterns and flag anomalies. Cards support EMV chip technology, and virtual card numbers reduce exposure for digital transactions. Administrators can instantly freeze or cancel cards from an online portal, and multi-factor authentication protects access to account management tools. Alerts and customizable thresholds enable proactive responses to unusual activity.

Administration and Control

The card management portal provides a centralized interface for granting cards, setting limits, assigning merchant restrictions, and managing renewals. Administrators can:

• Issue physical and virtual cards to employees with role-based permissions.
• Adjust spending limits on a per-card or per-category basis.
• Configure automatic workflows for approvals and receipts collection.
• Assign cards to departments, projects, or cost centers for accurate allocation.

Reconciliation and Reporting

Reporting tools are designed to reduce the reconciliation burden. Downloadable transaction-level reports include merchant data, authorization timestamps, and tax details. Automated feeds and file formats such as CSV and OFX facilitate seamless integration with expense management and ERP systems. Additionally, centralized receipt capture and mandatory receipt policies help ensure compliance and support audit readiness.

Travel and Vendor Payments

The Corporate Charge Card is optimized for travel and vendor payments, offering travel-related protections and the ability to set specific travel limits. Virtual cards streamline supplier onboarding and recurring vendor payments without exposing the primary card number. Travel-related features such as travel insurance, if available, and emergency card replacement help minimize disruption during business trips.

Eligibility and Enrollment

Enrollment is available to corporate entities that meet underwriting criteria. Eligible businesses can establish an account relationship with Texas Capital Bank and designate authorized users. During setup, finance teams work with bank representatives to configure billing cycles, payment instructions, user permissions, and reporting preferences to match operational requirements.

Fees and Billing

Fee structures are tailored to company needs and may include issuance fees, monthly program fees, and per-card fees. As a charge card, timely full-cycle settlement is required; late or missed payments can incur penalties. Detailed fee disclosures are provided during the enrollment process so organizations understand the cost-benefit profile relative to their cash management objectives.

Customer Support and Account Services

Dedicated account support helps administer the card program, troubleshoot disputes, and assist with reconciliation issues. Available services include cardholder training, administrator onboarding, and regular program reviews to optimize usage and controls. Dispute management workflows are established to efficiently investigate and resolve unauthorized or incorrect charges.

Use Cases

• Mid-size and large enterprises managing employee travel and procurement expenses.
• Finance teams seeking tighter control over departmental spending and faster month-end close.
• Companies requiring secure online purchasing and vendor payments with virtual card capability.
• Organizations that prefer centralized billing and predictable settlement cycles for treasury planning.

Why Choose the Texas Capital Bank Corporate Charge Card

The Corporate Charge Card delivers a combination of control, transparency, and security to help businesses manage corporate spending more effectively. With flexible administration tools, robust reporting, and a focus on integration with existing accounting systems, the card supports modern finance operations and reduces the administrative burden of managing employee and vendor expenditures. Whether the priority is cash flow discipline, compliance, or operational efficiency, this charge card is structured to meet the needs of sophisticated corporate programs.

For organizations seeking a scalable, secure, and integrated expense solution, the Corporate Charge Card provides the framework to enforce policy, gain actionable insights, and streamline payments — all supported by experienced account services to help you get the most from your card program.

Address Bank: Dallas, Texas, U.S.
Bank: Texas Capital Bank
Headquarters: Dallas
Products: Cards
Type: Corporate Card (Charge Card)