We offer payment solutions - not just a credit card
We continuously find the best opportunities to optimize and grow our client’s payment strategies. This dedication has led to establishing us among the highest commercial credit card purchase volume for VISA® credit card issuers in the U.S. four years in a row! ~ The Nilson Report, 2019
Save time and money by automating vendor payments
Our team can provide an analysis of your vendor file to identify opportunities for savings, and will work on your behalf to enroll suppliers onto your card and/or EAP program.
Reduce payment fraud
In 2018, payments fraud reached a new high, with 82% of businesses reporting* they were targets. With our intuitive tools, we’ll work with you to help ensure you’re not the next victim.
*2019 AFP Payments Fraud Survey
Improve cash flow
Pay your vendors now, but don’t pay us until your statement is due. This provides up to 25 more days to pay for everything your business needs from travel and entertainment to inventory and supplies.
Add recurring revenue to your balance sheet
We offer a rebate on card purchases and can help your business reduce AP processing costs.
Product Overview
Commercial One Card
With combined travel and purchasing functionality, this ONE card does it all. Use for travel, pay vendor invoices, tailor spending limits, manage controls and more.
Ghost Card
This type of virtual card helps your business reduce employee reimbursements while maintaining control with department issued accounts. You can also file it with your vendors to reduce invoicing for recurring payments.
EAP (Electronic Accounts Payable)
An alternative payment solution to checks, EAP provides a streamlined and secure process which reduces costs and can generate significant revenue. With EAP, businesses can pay invoices for goods and services directly from a payment file generated from an existing accounting system. Watch the quick video to learn more!
Fuel Card
Our Fuel Card is a payment solution used for fuel, additives, maintenance, repairs or other vehicle expenses. With enhanced transaction data, POS prompting, comprehensive reporting and more, this card helps you manage expenses for both your individual drivers and vehicles.
VISA® IntelliLink Expense Management
An intuitive and easy-to-use platform, IntelliLink streamlines manual processes and initiates company cost savings. This platform includes full expense management, robust reporting, advanced receipt imaging and mobile app capability.
Card Management
An online card management tool enables administrators to monitor and update card accounts. This platform allows real time card changes and the ability to view authorizations and transaction history.
When clicking on links within the video, you will be linking to another website not owned or operated by Standard Trust Credit Union. Standard Trust Credit Union is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. We encourage you to review their privacy and security policies which may differ from Standard Trust Credit Union.
Payment Solutions Resources
eZBusiness Card Management Website
eZBusiness Card Management Manual
eZBusiness Video Tutorials*
*Some of the tutorials available are not applicable, including but not limited to expense management, cash access and ordering/accessing a PIN. For questions about your account, please contact Program Administrator Customer Service.
IntelliLink Administrator Guide
Program Administrator Customer Service
Monday - Friday: 8:00 a.m. - 6:00 p.m. CT (closed on Federal holidays)
Phone: 877.346.1412
Email: CommercialCards@htlf.com
Cardholder Customer Service
Employee/Cardholder Customer Service Phone: 833.203.3213
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Treasury Management
Our team has the experience, technology, and industry best practices you can rely on for effective, customized financial solutions.
Working Capital and Finance
New construction, updating infrastructure, adding locations or more, we can help you move your business forward with confidence.
Fraud Prevention
Protect your business against cyber criminals. Learn about best practices and the tools businesses like yours use.
Credit Cards are issued and serviced by Standard Trust Credit Union d/b/a HTLF Card Services. Normal underwriting guidelines apply.