Billings and Liabilities

Billing & Liability

We work with you to tailor a program with the
billing options and spend control features to meet
your needs.

Controls & Liability

Corporate and Combined Liability Options

The Corporate Card program provide Companies with peace of mind knowing that they are only liable for business charges and a variety of liability options to suite your needs. Levels of liability include:

Combined Liability

Combined liability means that the Company and each Card Member are jointly and severally liable for all authorised charges incurred by the Card Member. The Company is not liable for Charges incurred by the Card Member that are personal in nature and which did not accrue a benefit to the Company, or for which the Company has reimbursed the Card Member.

Corporate Liability

This liability option is recommended if your Company has strict internal policies preventing personal use of the Card, or where staff, such as Directors are entrusted with all expense claims. Key points of this option include:

Your Company is liable for all charges incurred on the Card.
Your Company is not liable for unauthorised use of the Card in specific circumstances only

Individually Billed, Centrally Paid

This option lists each transaction on a Card Member basis. Each Card Member receives an individual monthly billing statement that identifies all charges. Once Card Members have submitted their expenses, your Company has a choice of paying by Autopay, variable Direct Debit, bank standing order, telegraphic transfer, Payment by Phone Service or Electronic Transfer. Telegraphic transfer and electronic remittance 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 Card Member receives a monthly billing statement from American Express. The Card Member is responsible for submitting expense reports to the Programme Administrator for reimbursement and remitting payment back to American Express.

The benefits of this approach include:

Reduces the amount of change for the Card Member and your Company at implementation stage
Encourages timely submission of expense reports, as the Card Member 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 Card Members to put personal expenditure on their Card if this is permitted under Company policy

Centrally Billed, Centrally Paid

Central billing combines all Card Member 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 electronic transfer transaction or a single direct debit
Improves cash flow
Increases Card Member convenience

Limits & 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 Card Members. 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 Card Member so you can control either their monthly spend or limit the size of each transaction

Please contact your Account Manager or call Corporate Administrator Servicing Team on (+852) 2277 1095 to apply limits and controls.

Corporate and Combined Liability Options

The Corporate Card programs provide Companies with peace of mind knowing that they are only liable for business charges and a variety of liability options to suit your needs. Levels of liability include:

Corporate Liability

This liability option is recommended if your Company has strict internal policies preventing personal use of the Card, or where staff, such as Directors, are entrusted with all expense claims. Key points of this option include:

Your Company is liable for all charges incurred on the Card.
Your Company is not liable for unauthorised use of the Card in specific circumstances only

Combined Liability

Combined liability means that the Company and each Cardmember are jointly and severally liable for all authorised charges incurred by the Cardmember. The Company is not liable for Charges incurred by the Cardmember that are personal in nature and which did not accrue a benefit to the Company, or for which the Company has reimbursed the Cardmember.

Billing and Payment Options

Before continuing, it’s important to identify which of the below applies to your company and its program policy.

Combined Liability

Combined liability means that the Company and each Card Member are jointly and severally liable for all authorised charges incurred by the Card Member. The Company is not liable for Charges incurred by the Card Member that are personal in nature and which did not accrue a benefit to the Company, or for which the Company has reimbursed the Card Member.

Corporate Liability

This liability option is recommended if your Company has strict internal policies preventing personal use of the Card, or where staff, such as Directors are entrusted with all expense claims. Key points of this option include:

Your Company is liable for all charges incurred on the Card.
Your Company is not liable for unauthorised use of the Card in specific circumstances only

Individually Billed, Centrally Paid

This option lists each transaction on a Card Member basis. Each Card Member receives an individual monthly billing statement that identifies all charges. Once Card Members have submitted their expenses, your Company has a choice of paying by Autopay, variable Direct Debit, bank standing order, telegraphic transfer, Payment by Phone Service or Electronic Transfer. Telegraphic transfer and electronic remittance 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 Card Member receives a monthly billing statement from American Express. The Card Member is responsible for submitting expense reports to the Programme Administrator for reimbursement and remitting payment back to American Express.

The benefits of this approach include:

Reduces the amount of change for the Card Member and your Company at implementation stage
Encourages timely submission of expense reports, as the Card Member 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 Card Members to put personal expenditure on their Card if this is permitted under Company policy

Centrally Billed, Centrally Paid

Central billing combines all Card Member 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 electronic transfer transaction or a single direct debit
Improves cash flow
Increases Card Member convenience

Limits & 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 Card Members. 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 Card Member so you can control either their monthly spend or limit the size of each transaction

Please contact your Account Manager or call Corporate Administrator Servicing Team on (+852) 2277 1095 to apply limits and controls.

Billing and Payment Options

Before continuing, it’s important to identify which of the below applies to your company and its program policy.

Centrally Billed, 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 electronic transfer transaction or a single direct debit
Improves cash flow
Increases Cardmember convenience

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 Autopay, variable Direct Debit, bank standing order, telegraphic transfer, Payment by Phone Service or Electronic Transfer. Telegraphic transfer and electronic remittance 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

Limits & Controls

Should you have any inquiries, please contact your Account Manager or call Corporate Administrator Servicing Team on (+852) 2277 1095 to apply limits and controls.

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