Corporate Card Programme Overview

Welcome

Welcome to the American Express® Corporate Card Programme and to MyPA. This unique website provides you with a wealth of information and helpful assistance for you to fulfill your role of Program Administrator within your Company. In fact, we'd like you to think of this website as your very own Personal Assistant.

As Program Administrator, you play a vital role in the day-to-day operation of your Company's Corporate Card Programme. You are the central point of contact for program management, and play a valuable role in assisting your colleagues when they require information and direction regarding their American Express Corporate Card.

MyPA has been specifically designed for you as a comprehensive resource, providing you with all the information and answers you will need for smooth program management. With MyPA as your own Personal Assistant, you can rest assured that the program administration of your Account will be efficient and effective.

So take a look around, and on behalf of American Express, we would like to thank you for the valuable role you play in your American Express Corporate Card Programme.

Overview of your Corporate Card Programme

The American Express Corporate Card Programme is designed for companies whose turnover is greater than Rs. 5 crore per annum. A sophisticated Expense Management Solution, it is specially designed to meet the needs of major companies and multinational organisations. The program offers significant benefits including increased visibility and control, exclusive savings, and benefits for your employees.

Not only can the American Express Corporate Card Programme add value and deliver substantial savings to your Company, it can effectively streamline your day-to-day business expense management processes and procedures. This helps you to reduce costs while increasing visibility and control.

Specifically designed to help manage your Company's travel, entertainment and general business expenses, your American Express Corporate Card Programme also offers a range of benefits, savings and discounts that recognise and reward your Company and your employees.

Visit Cardmember Benefits and Company Benefits for a summary of the great value the American Express Corporate Card Programme can deliver to your Company.

Your Account configuration

The American Express Corporate Card Programme offers a variety of configurations to meet your Company's needs. Your Company's unique configuration was established when you first set up your Account. This section explains the various aspects of Account Configuration.

Roles and responsibilities
You are required to nominate contacts from your Company to be the liaison points with American Express and to fulfil tasks required to manage your Company's Account. These contacts were established when your American Express Corporate Card application form was completed. The roles of these contacts are outlined below.

Authorised Signatory
The Authorised Signatory is able to make decisions on behalf of your Company and approve changes to your Account. These changes may include adding Cardmembers or changing your Company contacts. This authorisation is required to maintain the security and privacy of your Corporate Card Account. This role is typically filled by someone in your Company who:

  • Has ownership over the American Express Corporate Card Programme
  • Has the authority to approve decisions on behalf of the Company
  • May have made the decision to implement the American Express Corporate Card Programme
  • Usually has the title of Financial Controller, Chief Financial Officer, Managing Director, Partner, Accounts Payable Manager or General Manager.

The Authorised Signatory may also be referred to as the Decision Maker.

Program Administrator
As the Program Administrator, your role is to manage the day-to-day running of your Company's Corporate Card Account, including:

  • Checking and submitting new Card applications
  • Transferring or cancelling Cards
  • Reconciliation and payment of Statement of Accounts if centrally managed
  • Program maintenance including Cardmember changes and reporting.

Card types
The American Express Corporate Card offers two levels of Card membership to cater for your Company's unique travel, entertainment and business expense needs, including:

  • American Express Corporate Green Card
  • American Express Corporate Gold Card.

American Express Corporate Green Card

American Express Corporate Green Card
The Corporate Green Card offers a substantial array of benefits and insurance cover, and is designed to meet the needs of the majority of employees in a company.

Click here for a full list of benefits.

To enrol new Cardmembers, click here.

American Express Corporate Gold Card

American Express Corporate Gold Card
The Corporate Gold Card offers additional insurance cover and prestige. It is typically provided to senior members of a company in recognition of their additional requirements and position within your organisation.

Click here for a full list of benefits.

To enrol new Cardmembers, click here.

Card fees
Annual Cardmember fees are applied on a sliding scale according to the number of Cardmembers in your Company. This means that you may be able to achieve cost savings by adding Cards to your Account.

No. of Cardmembers Annual Fee per Card in Rs. Annual Fee per Gold Card in Rs.
1-2 2,100 3,100
3-9 1,785 2,785
10-19 1,350 2,350
20-49 1,170 2,170
50-249 900 1,900
250+ 810 1,810

Annual fees will be charged including applicable taxes

Card liability types
American Express offers two types of Corporate Card liability, allowing your Company to control the level of risk exposure when opening a Corporate Card Account. The two levels are given below, please read the section relevant to your organisation:

  • Limited Liability
  • Joint & Several Liability

The type of liability set up on your Account will determine who is responsible for charges on the American Express Corporate Card. Further information on each option is outlined below.

Limited liability
This is the recommended option for your Corporate Card Programme. It affords a level of risk protection to the Cardmember for larger business-related spend as well as to the company against any personal spend. The key features of this liability type are:

  • Cardmembers are advised that the Card is for use in accordance with your Company's expense management policy and that the company is only liable for spend within that policy. Cardmembers are responsible for all personal charges and for 'out of policy' expenses
  • Your Company is liable for non-reimbursed, approved business expenses
  • Your Company is liable for all charges incurred by a Cardmember who has resigned or whose employment has been terminated until American Express has been notified and requested to cancel the Cardmember's Corporate Card.

For further information about this option, please click here for the Limited Liability – Corporate Account Agreement and Set-Up form.

Joint & Several liability
Joint & Several liability, means that the Company and the Cardmembers are jointly and severally liable for all Charges on the Corporate Card. For further information about this option, please click here for the Joint & Several Liability – Corporate Account Agreement and Set-up Form.

Billing and payments
American Express offers both individual and central billing and payment options that can be customised to suit your specific Corporate Card Account. The various options are given below, please read the section relevant to your organisation:

Individually billed, centrally paid
This option lists each transaction on a Cardmember basis. Each Cardmember receives an individual monthly billing statement that identifies all charges. Once Cardmembers have submitted their expenses, your Company has a choice of paying by Direct Debit, cheque or Electronic Funds Transfer (EFT). Cheque and EFT payments need to be accompanied by a remittance advice including backup information on how to allocate the funds. Managing billing and payment in this manner has benefits for your Company, including:

  • Improves cash flow
  • Retains control over payment
  • Encourages accurate documentation of expenses
  • Reduces the number of reimbursement cheques written.

Individually billed, individually paid
With this option, each Cardmember receives a monthly billing statement from American Express. The Cardmember is responsible for submitting expense reports to the Program Administrator for reimbursement and remitting payment back to American Express. The benefits of this approach include:

  • Reduces the amount of change for the Cardmember and your Company at implementation stage
  • Encourages timely submission of expense reports, as the Cardmember is responsible for reconciliation and payment
  • Encourages accurate documentation of expenses
  • Reduces corporate administrative workload and cost since employees reconcile and pay monthly bills
  • Allows Cardmembers to put personal expenditure on their Card if this is permitted under company policy.

Centrally billed¹, centrally paid
Central billing combines all Cardmember statements into one group that is sent to a central contact. Your Company remits payment for all charges on all Card Accounts. The benefits offered by the centrally billed, centrally paid option include:

  • Allows a single cheque payment, a single EFT transaction or a single Direct Debit
  • Improves cash flow
  • Increases Cardmember convenience.

1. The centrally billed option is only available to existing customers who are set up with this billing option.

Centrally billed¹, individually paid
All Cardmember statements are combined and sent to a central contact. The central contact then distributes the statements to the Cardmembers who remit payment back to American Express. This option offers the following benefits:

  • Allows Cardmembers to put personal expenditure on their Card if your Company permits this
  • Offers the company the opportunity to review the statements but without the administrative workload required to reconcile and pay monthly bills.

1. The centrally billed option is only available to existing customers who are set up with this billing option.

Online Statements
Cardmembers can enrol for Online Monthly Statements. Monthly statements are only delivered online for individually billed accounts. An email and a message will be sent each month informing Cardmembers that their statements are ready to view. Cardmembers must select Online Statements by logging in or registering at Manage Your Card Account and selecting Paperless Statement delivery.

Limits and controls
Your Corporate Card Account may be approved in a number of ways:

  • On the basis of a relationship limit. This is a combined expenditure limit, where a maximum limit is set for all Cardmembers. This limit cannot be exceeded either individually or collectively. The relationship limit applied to your Account may be a revolving limit that enables your Company to incur charges up to the limit stated. Should your charges reach the limit at any time, you will be required to make a payment before further charges can be made
  • On the basis of a monthly limit where the available funds are refreshed at the beginning of each new statement cycle. If your charges reach the limit, no further charges can be placed on the Cards until the new statement cycle begins
  • On the basis of a global limit. This is a spend limit or control that you can apply at any level of your hierarchy. This enables you to set different controls based on your Company's internal policies and procedures. This includes the opportunity to apply individual spend limits to each Cardmember so you can control either their monthly spend or limit the size of each transaction.

Account hierarchy
Corporate Card hierarchy is the name given to the structure or operational framework of the Corporate Card Account. The hierarchy always includes Corporate IDs (CID) or Control Accounts.

Account hierarchy structure
Your Account hierarchy is set up relative to your Company's internal structure and Management Information (MI) reporting needs. There are several ways you can set up your Corporate Card Account hierarchy. These can be discussed with your Account Manager.

There are four hierarchy categories in the Corporate Expense Management program allowing up to 6 levels of hierarchy:

  • Local Control Account number (LCA) – this identifies your Company at a market/ country level
  • Master Control Account number (MCA) – this is your Company’s own unique identifier
  • Basic Control Account number (BCA) – each individual Corporate Card sits within the BCA.
  • Intermediate Control Account number (ICA) – this added level would be included for divisional MI report needs

Basic hierarchy – two levels

Click here to return to the Account Configuration menu.

Implementation process
If you have recently joined the American Express Corporate Card Programme, the information below provides you with details on the implementation process of your Account.

Basic implementation process

Basic implementation process

If you are simply adding Cards to an existing Account, then the process begins with American Express processing the individual Cardmember applications.

Approval with a limit
Based on the assessment of your Company, you may be approved for a Corporate Card Account with a limit placed on your Account.