WesBanco Corporate Card (Charge Card)

The WesBanco Corporate Card (Charge Card) is a business payment solution designed for mid-size and large organizations that require centralized expense control, enhanced purchasing power, and detailed reporting. This card combines the flexibility of corporate purchasing with robust administrative controls to help finance teams manage cash flow, consolidate supplier payments, and enforce company policy across multiple departments and locations.

Product Overview

The Corporate Charge Card offers a centralized account structure where card balances are generally settled in full at the end of each billing cycle, providing predictable reconciliation and minimizing lingering liabilities. The program supports a variety of cardholder types, including executive cards, procurement cards, travel cards, and virtual cards for online or single-use transactions. Issued under the WesBanco corporate program, the card is backed by enterprise-grade account management tools and configurable authorization controls.

Key Features

• Centralized Billing: One invoice for all company charges simplifies accounts payable and reduces administrative overhead.
• Customizable Spending Controls: Set limits by cardholder, merchant category, transaction type, or time period to enforce policy and reduce misuse.
• Detailed Transaction Reporting: Receive granular transaction data, including merchant, date, amount, and employee ID, to improve reconciliation and audit trails.
• Virtual Cards: Generate single-use or limited-use virtual card numbers for secure online purchases and vendor-specific transactions.
• Integrated Expense Management: Interfaces with popular accounting and ERP systems to streamline posting, coding, and reconciliations.
• Fraud Monitoring and Alerts: Real-time monitoring, transaction alerts, and block/unblock capabilities help protect company spend.
• Dynamic Card Controls: Enable or disable cards instantly, set controls for travel, fuel, lodging, or recurring payments, and apply merchant category code (MCC) restrictions.

Benefits for Your Business

• Improved Cash Flow Management: Consolidated billing and predictable payment cycles help treasury teams manage liquidity and forecasting.
• Reduced Processing Costs: One central invoice and electronic reconciliation reduce paper checks, manual approvals, and AP processing time.
• Enhanced Compliance and Oversight: Policy enforcement through spending controls, approvals workflows, and centralized oversight reduces compliance risk.
• Greater Visibility: Detailed spend analytics provide actionable insights into purchasing patterns, enabling negotiation with suppliers and identification of cost savings.
• Employee Productivity: Faster, easier purchasing and automated expense reporting free employees from manual reimbursement processes.

Program Options and Customization

The WesBanco Corporate Card program is configurable to meet different organizational needs. Options include individual spending limits, pooled account structures, department-based billing hierarchies, and specialized cards for travel and procurement. Virtual card issuance supports secure online procurement or one-time supplier payments. Additionally, optional ancillary services such as travel insurance, extended warranty coverage, and purchase protection can be considered based on the company’s risk profile and procurement strategy.

Administration and Control

Administrators access a secure online portal to onboard new cardholders, set authorization parameters, and run custom reports. The portal supports user role management so responsibilities like card issuance, dispute resolution, and reporting can be delegated securely. Automated workflows can be configured for purchase approvals and duplicate detection, ensuring that the right approvals are obtained before transactions post to the corporate account.

Security and Compliance

Security is built into the WesBanco Corporate Card program. Features include EMV chip technology, tokenization for virtual card numbers, and real-time fraud detection. Card-level controls allow immediate suspension of compromised accounts without impacting the entire program. The program supports compliance with industry standards and company policies through customizable acceptance rules, spending thresholds, and audit-ready transaction logs.

Integration and Reporting

Robust data export capabilities and pre-built connectors make it easy to integrate card transactions with general ledger systems and expense management platforms. Custom report scheduling and automated delivery allow finance teams to receive daily, weekly, or monthly summaries tailored to their reconciliation cycles. Analytics dashboards provide insights into spend by vendor, department, cardholder, and merchant category to support strategic procurement decisions.

Eligibility and Enrollment

WesBanco offers a consultative onboarding process to align the card program with corporate goals. Eligibility typically involves verification of business credentials and financial profile. During enrollment, program administrators work with a dedicated account manager to define structure, controls, and reporting requirements. Card issuance timelines and training for administrators and employees are coordinated to ensure a smooth rollout across the organization.

Support and Account Management

Corporate clients receive tailored account management and access to support teams familiar with business payment needs. Support covers card issuance, dispute handling, lost or stolen card management, and system administration. Training resources and user guides are provided to ensure efficient use of program features and to accelerate adoption among cardholders.

Conclusion

The WesBanco Corporate Charge Card is a comprehensive solution for organizations that need centralized expense management, enhanced security, and meaningful spend visibility. With flexible controls, advanced reporting, and integration capabilities, the program helps companies reduce costs, improve compliance, and empower employees to make authorized purchases with confidence. For businesses seeking a scalable corporate payment program, the WesBanco Corporate Card delivers a balance of control, convenience, and clarity.