Commercial Accounts Payable

Man and Woman Discussing Commercial Accounts Payable


Harness the security, speed, and buying power of a City National Bank Visa® Commercial Credit Card1 that uses virtual account numbers to process payments. Commercial AP is a credit card-based, online electronic payment solution that enables efficiencies, reduces risk and optimizes cash flow for businesses.

Streamline Payments

  • Replace checks with electronic payments from your credit card account.2
  • Exact Pay increases security and reduces errors by ensuring payment of precise invoice amounts.
  • Bulk invoice processing allows submission of many accounts payable invoices within a file.
  • Quickly establish payments to new suppliers online.2

Increase Productivity

  • Reduce time spent on printing, signing and mailing of check payments.
  • Downloadable reports and Exact Pay make reconciliation easier.

Optimize Working Capital and Reduce Costs

Commercial AP also benefits your business by providing:

  • Effective cash flow forecasting and management.
  • Personalized spending controls.
  • Cost savings through the reduction of check processing expenses.
  • An option to receive a revenue rebate based on spending.3

How it Works

1. You initiate a transaction to pay your supplier.
2. A virtual single-use account number goes to your supplier.
3. Your supplier uses this single-use account number to charge your Commercial AP account for the invoice amount you owe.
4. The payment posts to your Commercial AP account.

All virtual single-use account number transactions roll up to your Commercial AP account for review, easy reconciliation and reporting.

Improve Your Payment Processing with Commercial AP

City National guides you through implementation, and performs supplier outreach and enrollment4 on your behalf. We provide ongoing product assistance to ensure your Commercial AP program is a success.

Take advantage of Commercial AP for your Business.

Enter your details below and a Relationship Manager will get back to you.

Getting Started

To learn more, call us at (800) 773-7100, Monday through Thursday, 6:00 a.m. to 5:30 p.m., and Friday, 6:00 a.m. to 6:00 p.m. (PT). You can also contact us online or visit one of our local City National locations.

  1. Commercial AP Visa Commercial Credit Card account is subject to credit approval.
  2. For suppliers that accept credit-card based payments.
  3. Subject to eligibility requirements and approval.
  4. For eligible accounts, the Supplier Enablement and Enrollment Campaign is an optional, no-cost service provided by City National Bank to help optimize your program, and is not required to participate in Commercial AP. Ask us for details.