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TD Commercial Cards

TD Commercial Cards make managing payments more efficient with spending controls and advanced reporting tools. Plus, earn rebates on purchases. 

Cards designed to fit your company's needs

TD One Card

A versatile card that works for your finance team, suppliers and employees.

Maximize your benefits
Earn rebates on purchases to offset costs or generate revenue

Increase working capital
Settlement float helps you improve cash management

A safer way to pay
Use the encrypted tap-to-pay or chip on your card, or add to your digital wallet

Reduce your fraud risk
Reduce fraud exposure by 70% compared to check payments1

Reach out to your Relationship Manager or request a call to learn more.

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Security, savings and simplicity 

Our one-card payment solution for purchasing, accounts payable (AP), travel and entertainment (T&E) expenses, and non-traditional payments lets you:

  • Improve controls around spending, audit, fraud and contract compliance
  • Streamline supplier payments by using the One Card instead of traditional payment methods
  • Earn rebates on purchases when you convert employee spend to the One Card
  • Optimize working capital
  • Flexible card options with either plastic or ghost/lodged cards

Optimize your reporting

Manage the One Card online and access comprehensive data reporting. You can:

  • Integrate spend data with AP, Enterprise Resource Planning (ERP) and expense reporting systems
  • Real-time reporting plus over 250 built-in standard and configurable reports
  • Keep your data secure with role-based access permissions
  • Automate expenses with reporting modules and OCR receipt imaging
  • Access your account information from anywhere via a smartphone or tablet in addition to desktop

TD Virtual Card

Bring more power to your payments strategy and create revenue from your business spending.

Gain financial benefits
Improve cash management and earn rebates on purchases

Simplify reconciliation
Streamline AP for improved productivity

Experience flexibility and scale
Instantly issue or deactivate cards, reset controls

Fight fraud, strengthen security
Limited-use numbers, granular controls and tokenization reduce risk

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How the TD Virtual Card works

  1. You initiate the payment in your ERP and deliver to TD via the method of your choice

  2. The Virtual Card platform creates the account and emails your supplier their virtual account and remittance information

  3. Your supplier processes the virtual card payment as it would any other card payment

  1. The Virtual Card platform automatically matches the payment, and you receive the reconciliation file and remittance information

Manage working capital and improve forecasting

The versatility of the Virtual Card lets you:

  • Automate processes and payable and reconciliation files
  • Gain financial benefits while increasing working capital and earning rebates
  • Use multiple methods of payments including ERP integration, file upload or manual ad-hoc payments
  • Replace ACH/check payments with Virtual Card
  • Mitigate fraud with unique and single use accounts and spend controls
  • Strengthen supplier relationships, define payment terms and certainty of payment

Streamline payments and reporting

You'll have more control and save time with our powerful, intuitive online platform2 that lets you:

  • Issue virtual account numbers based on approved invoices or on the go
  • Set spend limits and more, including category groups, exact match requirements, time-based restrictions and transaction limits
  • Easily import supplier files limiting the need for manual entry
  • Automate invoice matching and reconciliation reporting

Interested in TD Commercial Cards?

Reach out to your Relationship Manager or request a call.

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12024 AFP® Payments Fraud and Control Survey.

2TD Virtual Card platform is powered by Visa Payables Automation (VPA), a solution that provides a holistic integrated solution to pay suppliers more quickly, securely, and with specific controls around payments.