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APS can help you control business spending, cut banking costs and save on payroll processing time and costs. In short, we can buy your company time and money.

 

Business

APS offers businesses accounts that are great alternatives to corporate cards or business bank accounts.

How it works

Just top up the card’s account with money, then use it to pay your bills, receive payments from clients, in place of cheques, purchase goods… just about anything. In other words, enjoy many of the same benefits of corporate cards or business banking accounts, but without the hassles and hefty charges.

Our cards are so useful that around 2,500 businesses are already using our cards for payroll processing, expense management and purchasing across a variety of sectors including:

• Catering
• Cleaning
• Construction
• Home care
• Pubs/restaurants
• Transport

Topping up the card’s account is easy: via your bank account or at nearly 1,000 Cashplus retail stores across the UK.

All our business accounts provide a range of valuable benefits:

100% instant approval - guaranteed*

Of around four million businesses in the UK, 80% of them have five or less employees. These businesses are often underserved by traditional banks. But whether your business is large or small, new or established and no matter what the balance sheet looks like, we offer 100% guaranteed* acceptance.

• No documents needed up front to open an account
• No credit checks
• No links to any bank accounts – separate borrowings from cash flow

Online banking

With a Cashplus card, consumers and businesses can virtually eliminate cash and cheque payments. Bill Pay can be set up in the Members’ Area to take care of over 1,800 predefined bills. One-off/ad-hoc payments can also be set up to any UK bank account.

No transaction fees

Make free bank deposits and we don’t charge a fee when you make purchases.

24/7 free online account management

There’s no waiting for the traditional banks to open – you can check payments in and out of your account online, at a time that suits you. Transactions post in real time, so you can track business spending on all cards instantly.

Free currency cards

If you trade with or travel to businesses in the Euro zone or the USA, our free Euro and US Dollar currency cards provide a convenient way to make and receive payments. And of course, the currency cards are excellent for taking care of business expenses whilst abroad, and simplify expense reconciliation.

For everywhere else, use the general purpose sterling prepaid MasterCard, which is accepted in over 210 countries and territories across the world.

Topping up the currency cards is easy. You just visit the secure Members’ Area online – whether you’re in the office or abroad on business - and move money from your Sterling account to the currency card’s account.

Business name embossed on the front of the cards

Beneath where we emboss the employee’s name is a space where we could also emboss your business name. Why not show the world that your business means business?

• Effective email distribution: APS accreditation allows more emails to reach a customer's inbox. We were one of the first in the UK to achieve 'good mail' and 'sender score' certification.
• Access Omniture Test & Target / Site Catalyst: We have the ability to test, track and analyse numerous internet marketing strategies dynamically, without IT intervention.
• Multi-Channel Servicing: Our web, IVR, email, SMS, phone and even our APS retail channels are optimised for prepaid portfolios.

Purchase business accounts

If you manage to actually open a business bank account, the fees can soon add up to over £43 per month just in cash deposits and transaction fees alone#.

No wonder so many business people feel tired of banks biting into their business’s money… aren’t you?

But it’s not just about savings – it’s also about convenience for you and your business. With APS it starts with 100% instant approval - guaranteed*. Then once the account’s up and running, you’ll find it easy to top it up; via a bank account or at any of around 1,000 Cashplus retail stores.

You’ll also find that our cards can make things run more smoothly in lots of other ways:

• Quicker expense management and reconciliation
• Saving time and money on writing out cheques
• Paying suppliers
• Taking care of travel expenses
• Receiving payments from customers

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Purchase expense cards

Say goodbye to the lengthy paperwork of expense claims and the risk of issuing credit cards to employees.

Now you can order personalised prepaid MasterCard^® cards for your employees and eliminate over spending with a prepaid card model.

• You load only the amount required to cover agreed expenses
• They can shop or book online, in store and by phone anywhere in the world where MasterCard is accepted
• Reduce the risk of fraudulently claimed expenses

There's no credit check or bank account required, so these cards are suitable for all employees aged over 18.

Read the News Agency Case Study (pdf 3.14MB).

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Purchase payroll cards

Do you have employees without bank accounts? Eradicate payroll problems by issuing employees with their own Cashplus prepaid Gold MasterCard.

You benefit from:

• Reduced costs from holding cash for payments
• Savings on time and money spent processing cheque runs
• Goodwill from employees who otherwise may not qualify for a high quality payment card
• This could all add up to a saving of around £52,000 in payroll costs♦

Your employees could benefit from:

• A reloadable payment card that can be used worldwide for online, in store and over the phone transactions and cash machine withdrawals
• A cheap and easy way to share their money abroad or share funds with loved ones
• Online account servicing
• Greater security with a chip and PIN card, free Purchase Protection and secured funds

Read the Krown Recruitment case study (pdf 781KB).

*Subject to terms and conditions including the business or organisation providing acceptable ID, & being based in the UK.

#A NatWest Business Current Account charges 76p per deposit per transaction and 71p per payment. So if you make just one deposit and a couple of payments per business day (assuming 20 business days per month), you can see how banking fees can easily mount up to £43.60p. And that’s without all the other usual business banking fees.

†The savings above were calculated using the following assumptions:
£10 cost per cheque issued based on assumed costs of £2 for payroll administrator, £2 for director sign off, £2 reconciliation, £3 query management including lost/stolen replacements and £1 banking and postage fees
Weekly pay is based on 52 weeks, with 1 cheque per weekly payroll cycle per employee

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