Corporate Charge Card by Ameris Bancorp

The Ameris Bancorp Corporate Charge Card is a purpose-built payment solution designed to meet the needs of modern businesses that require precise control, streamlined expense management, and robust security. As a charge card, it combines the convenience of a corporate payment card with the discipline of a pay-in-full model, helping companies maintain cash flow discipline while enjoying centralized management, detailed reporting, and a range of program controls tailored to organizational policies.

Core Features

• Charge Card Structure — Balances are settled according to an agreed billing cycle, ensuring predictable reconciliation and stronger control over corporate spending.
• Corporate Program Management — Centralized administration enables card issuance by department, project, or employee role, with flexible policy settings and approval hierarchies.
• Physical and Virtual Cards — Issue EMV-enabled physical cards and single-use or multi-use virtual card numbers for online and vendor-specific transactions.
• Real-Time Controls — Set automated spend limits, merchant category restrictions, and velocity controls at the individual card level or for groups of cards.
• Advanced Reporting — Access transaction-level detail, customizable export formats, and integrated analytics to support budgeting, audit, and reconciliation workflows.
• Accounting Integration — Seamless connectivity to major accounting and ERP systems streamlines posting, coding, and reconciliation of card activity.
• Mobile and Online Management — Cardholders and administrators have access to secure mobile and web portals for viewing transactions, submitting receipts, and managing account settings.

Security and Fraud Prevention

Security is central to the Corporate Charge Card. Each physical card uses EMV chip technology to protect against counterfeit fraud. Virtual cards add another layer of safety for ecommerce and vendor-specific payments by providing tokenized numbers that can be restricted by amount, merchant, and time. Additional fraud-detection tools monitor unusual patterns and flag suspicious activity for prompt investigation.

Tokenization and encryption protect card data in transit and at rest. Administrators can enforce multi-factor authentication for portal access and implement role-based permissions to limit visibility and actions based on organizational needs. Detailed audit trails make it easy to trace approvals and changes, supporting governance and compliance requirements.

Control and Compliance

The Ameris Bancorp Corporate Charge Card is engineered for compliance with internal policies and external regulations. Spend controls can be configured for individual cardholders, departments, or vendor categories. Require pre-approval for large purchases, route transactions for supervisor review, and automate policy enforcement to reduce manual oversight.

Built-in tax and expense allocation features assist with accurate reporting and help ensure that corporate expenditures align with accounting standards. Customizable billing cycles and reconciliation workflows further simplify month-end close processes and support internal audit readiness.

Expense Visibility and Reporting

Gain real-time visibility into corporate spending with dashboards that present aggregate trends, departmental breakdowns, and merchant analytics. Exportable data feeds support business intelligence tools and improve forecasting accuracy. The solution supports automated receipt capture and matching to transactions, reducing paperwork and accelerating expense approvals.

• Transaction-Level Detail: Capture merchant, amount, date, category, and custom fields for each transaction.
• Custom Reports: Create scheduled and ad-hoc reports tailored to finance, procurement, or executive needs.
• Audit Trails: Maintain a complete history of authorizations, overrides, and reconciliations for compliance purposes.

Operational Flexibility

The Corporate Charge Card supports a variety of operational models — from centralized purchasing teams that manage vendor relationships to distributed cardholder programs that empower employees to transact within policy. Physical cards are ideal for travel and in-person purchases, while virtual cards are perfect for one-off vendor payments, recurring subscriptions, and tightly controlled ecommerce spending.

Additional program features include customized billing and payment cycles, delegated account administration, and the ability to structure cards by cost center or project code. These options simplify chargeback processes and make it easier to attribute expenses to the correct internal accounting buckets.

Rewards and Value-Added Services

Depending on program selection, the Corporate Charge Card may include rewards and rebates on eligible spending categories, offering added value when combined with disciplined expense management. Value-added services such as travel management tools, insurance protections for qualified travel, and vendor reporting can be included to enhance the overall corporate purchasing ecosystem.

Implementation and Support

Implementing the Corporate Charge Card is designed to be straightforward, with onboarding support for policy configuration, card issuance, and system integration. Ameris Bancorp provides training resources for administrators and cardholders, helping organizations adopt best practices for purchase controls, reconciliation, and safety protocols.

Dedicated account management ensures ongoing optimization of the program. Regular reviews identify opportunities to refine controls, enhance reporting, and align card usage with evolving business priorities.

Who Should Use It

The Corporate Charge Card is well suited for:

• Small and mid-size companies seeking centralized expense governance without sacrificing employee purchasing flexibility.
• Large enterprises needing scalable program controls, detailed analytics, and smooth ERP integration.
• Organizations that prefer pay-in-full billing cycles to manage short-term liabilities and improve internal cash management practices.
• Teams that require a mix of physical and virtual payment methods for travel, procurement, and vendor payments.

Summary

The Ameris Bancorp Corporate Charge Card delivers a balanced payment solution for businesses that value control, visibility, and security. By combining centralized administration, real-time controls, advanced reporting, and flexible card issuance options, the program supports operational efficiency and financial discipline. Whether optimizing procurement workflows, improving reconciliation, or reducing fraud exposure, this charge card provides the tools organizations need to manage corporate spending with confidence and clarity.