MasterCard® Business Card
The first credit card
for SMEs
An Aduno Group company
www.aduno-gruppe.ch
Tailored to your needs
Switzerland’s position as an efficient and innovative nation is largely attributable to small and mediumsized enterprises. Our new payment method is equally innovative: the Business Card is the first credit
card to be tailored specifically to your company. The free online management of expenses facilitates
administrative tasks and ensures greater cost control. We understand your needs.
My Business Card – my new payment method.
«My new Business Card allows me to be flexible».
Ivo Weiss, Interior Designer at the architecture firm INNENRAUM
Perfect for use in your
everyday business.
More than just a card
The Business Card is more than just a simple
credit card and is suitable for even the smallest
expense items. And the add-on features save
you both time and money.
Using the Business Card within your company
offers the following benefits when processing
your expenses:
Simpler handling of business expenses.
No cash advances or refunds for employees.
No need to take out extra cash in foreign
currency.
Cash withdrawals with PIN code on request.
And that’s not all
We will also help you monitor and settle all your
expenses. In addition to the consolidated monthly
statement for all cards, you have the option of
providing all cardholders with a monthly info
statement. This can be used as an expense receipt
for accounting purposes, for example.
The free online eXpense service provides you
with a simple and up-to-date overview of all your
expenses, thus saving time.
«The new Business Card has made things much easier
for me and my employees. It makes our lives easier on business
trips – and on every other working day as well.»
René Hauser, owner of INNENRAUM,
an architecture firm with 15 employees.
Expense overview is just a click away
We all know how time-consuming it can be
to manage our expenses: checking and adding
up receipts and invoices, coordinating cash
advances and reimbursements, and completing
expense forms. The online service eXpense
for your Business Card is the perfect solution.
Benefits at a glance
Secure administrator login which enables you to
create further access rights.
Overview of expenses incurred by each individual
cardholder.
Various reports with simple selection criteria.
The administrator specified by you can view the
transactions made on all cards at the click of a
mouse. What’s more, you have access to predefined
reports, ensuring that useful analyses can be
produced easily.
Straightforward web solution, no software installation on your system.
Complete control, anytime, anywhere.
Each cardholder can also view and control his/her
most recent expenses online, if required.
Simple and secure login
Tick the «Yes» box next to the eXpense option on
the basic application. The contact person specified
by you will be designated as the administrator on
the system. We will contact you directly with regard
to the registration process.
More information
and a demo version are available at
www.eXpense.ch
A sign of trust
A personal Business Card not only motivates
employees but also makes working life easier –
for all concerned.
In addition to the aforementioned benefits for
your employees and your company, this card also
offers all the advantages of a regular credit card:
Even the price is attractive. You pay full price
for your first card but just half the fee for any additional cards for your employees.
What’s more, the extra turnover bonus can lower
the annual fee even further.
Accepted worldwide.
PayPass™ – additional function for fast,
contactless payment. For payments up to
CHF 40.– no signature or PIN required.
Protection from misuse.
24-hour assistance in emergencies.
Choose the Business Card that suits your
needs. More details are available in the
overview on the last page. Your bank will
be pleased to provide further information
as required.
Design your own card
This option is available for the Business Card Silver. You can design your own personalised company
credit card with your logo and a picture of your choice. This makes a good impression and reinforces your
team’s corporate identity.
Design your own card in just a few steps
Select the desired language at
www.upload-picture.ch and begin
designing your own card.
1. Upload company
picture
For greater
professionalism
and advertising
appeal.
2.Upload
company
logo
3.Enclose printout of signed declaration
of agreement with
card application
Design your own credit card at
www.upload-picture.ch
Summary of services
and charges
The right card for every transaction
Service
MasterCard® Business Silver
MasterCard® Business Gold
MasterCard® Business Gold € /$
Annual fee
First card:
CHF 100
Each additional card: CHF 50
First card:
CHF 170
Each additional card: CHF 85
First card:
EUR/USD 150
Each additional card: EUR/USD 75
Own design
CHF 40/year
Upload own card design at
www.upload-picture.ch
No
No
Contactless payment with
PayPass™
Pay for small amounts up to CHF 40 or EUR/USD 25 without your PIN or signature – simple, secure
and faster than paying by cash. www.goodbyecash.ch
Online expense management
Free online access to eXpense. This provides you with an immediate overview of all your expenses at any time.
Card limit
CHF 3000-10000/month
Billing
Collective monthly statement with details of transactions, info statement for all cardholders on request.
Turnover bonus
If your annual turnover per card
comes to CHF 10000 or more, we
will waive half of your annual
fee for the following year.
Customer service
Call our business customer service team on +41 (0)58 958 84 01 for friendly, professional and reliable advice,
Monday to Friday between 8 a.m. and 5.30 p.m.
From CHF 10000/month
as required
If your annual turnover per card
comes to CHF 10000 or more, we will
waive half of your annual fee for
the following year. If it amounts to
CHF 20000 or more per card,
the card is free the following year.
From EUR/USD 5000/month
as required
If your annual turnover per card
comes to EUR/USD 7500 or more, we
will waive half of your annual fee
for the following year. If it amounts
to EUR/USD 15000 or more per card,
the card is free the following year.
Travel and flight insurance*
Search, recovery and
repatriation costs
Max. CHF 60000
Max. CHF 60000
Max. CHF 60000
Disability or death
Max. CHF 300000
Max. CHF 500000
Max. CHF 500000
24-hour assistance
The specialists who provide our 24-hour assistance are available on +41 (0)58 958 82 85, both day and night, and
will organise assistance for you in the event of an emergency (providing you with the addresses of doctors, hospitals or
lawyers worldwide) and will advise you in the event of emergencies abroad.
Liability in case of loss/theft
No charge (CHF 0) for the cardholder if loss/theft is reported immediately and provided that due care was taken
(Art. 3 and 4, General Terms and Conditions).
Discount on car rentals
Up to 10% discount with Hertz on
«Non-PrePaid standard» rates.
Up to 15% discount with Hertz on
«Non-PrePaid standard» rates.
Up to 15% discount with Hertz on
«Non-PrePaid standard» rates.
Replacement card worldwide
CHF 20 for replacement card, in
Switzerland generally within 2 working days, abroad 3–6 working days
Free of charge
in Switzerland generally within 2 working days, abroad 3–6 working days
Free of charge
in Switzerland generally within 2 working days, abroad 3–6 working days
Foreign currency conversion
Selling rate for foreign exchange +1.5% processing fee
Commission for cash withdrawals
3.5% at ATMs worldwide
Min. CHF 5 (Switzerland)
Min. CHF 10 (abroad)
3.5% at ATMs worldwide
Min. CHF 5 (Switzerland)
Min. CHF 10 (abroad)
3.5% at ATMs worldwide
Min. EUR/USD 3.50 (Switzerland)
Min. EUR/USD 7 (abroad)
4% at bank counters worldwide
Min. CHF 10 (Switzerland and
abroad)
4% at bank counters worldwide
Min. CHF 10 (Switzerland and abroad)
4% at bank counters worldwide
Min. EUR/USD 7 (Switzerland and
abroad)
Interest on arrears
14.93%
14.93%
14.93%
Processing fees in the event of
late payment
CHF 20 per statement
CHF 20 per statement
EUR/USD 15 per statement
* Please see our General Terms and Conditions of Insurance for the exact provisions. These will be sent by separate post.
P_VIS_MC_BC_mA_EN_1010 4924943
3 good reasons to use the
Business Card
Facilitate your working life
Online access to lists of all your transactions
and expenses.
Motivate your employees
Show you trust them and simplify the way you manage your expenses.
Increase advertising appeal
Have your corporate design on your Business Card.
Do you operate your own point of sale?
Do you accept credit cards – or would you like
to offer your customers this option?
Visit www.aduno.ch to find out more about our
cashless payment services and products. Don’t
hesitate to contact us – we’ll be happy to assist
you further.
My credit card.
For cashless payment – and more.
Viseca Card Services SA
Service. Paramount.
Products. Customized.
Security. Guaranteed.
Benefits. Endless.
Flexibility. Worldwide.
Future. Warranted.
Hagenholzstrasse 56
P.O. Box 7007
CH – 8050 Zurich
Phone +41 (0)58 958 84 01
Fax +41 (0)58 958 88 85
www.viseca.ch
An Aduno Group company
www.aduno-gruppe.ch
An overview of the Business Card services and charges can be found
on the back page of this brochure.