KeyBank business cards allow your organization to quickly and easily manage benefits, payroll, expenses and costs while reducing your administrative overhead and simplifying your systems.
KeyBank provides card solutions to large and middle market companies and to federal, state and local government entities across the United States. Our team of experts will work with you to understand your unique payments processes and to deliver solutions designed to help you reduce costs, increase working capital and improve process efficiencies.
Whether it's to manage and control your accounts payable spend while reducing administrative costs with a purchase card or a low-cost, convenient alternative to payroll checks with prepaid cards, we can help.

Key2Business®
The Key2Business commercial card solution improves control and transparency of expenses for employees and vendors. Understanding your expenses is crucial to running a successful business. By leveraging KeyBank’s commercial card program, Key2Business, you improve visibility into your expenses with the potential to drive incremental revenue to your business. Commercial cards can either be standard plastic cards (distributed) or non-plastic account numbers (non-distributed). Our commercial card program provides unparalleled spending control and information reporting – all designed to improve the purchasing process and help protect against fraud.
Benefits
- Rebate Incentives: Receive 100bps or 1.0% cash rebate on all net general charge volume ($50,000 minimum annual spend) during your company’s annual measurement period.
- Working Capital Improvement: KeyBank’s billing cycle and rebate structure allow you to maximize your working capital float between 14 to 45 calendar days.
- No Annual Fees: Key2Business has fully transparent pricing with no annual card or account fees
- Reduced Fraud Liability: Leverage the power of our advanced fraud prevention tools, such as account level transaction/MCC blocking, detailed reporting, advanced fraud algorithms, and embedded chip and PIN technology.

Key2Purchase®
This multi-use commercial card solution can be used whenever purchase orders, check requests or petty cash would have been processed. Purchasing cards can also be given to employees to make purchases on behalf of the business while maintaining greater control of company spend.
Benefits
- Significantly increase float on AP and travel expenses
- Reduce administrative costs
- Improve supplier relationships by accelerating payments with detailed remittance data
- Increase operational efficiencies with automation and the integration of card data into your ERP/accounting system
- Increase revenue with available rebates based on both spend volume and payment timing1
Features
- Real-time online tools via Key2Purchase.com to manage controls over spending, access, usage, fraud and audit (reporting)
- Automatically map transactions to financial codes by account number, Merchant Category Code (MCC), merchant name, etc.
- Multiple payment options, including Automated Clearing House (ACH), wire transfers and online payments
- Card types available include distributed cards, ghost cards and single-use accounts.

Key2Payroll®
Instead of paper checks, your employees' money is automatically loaded onto Mastercard®-branded prepaid cards. After the initial mailing and activation, cards are reloaded electronically for subsequent payments.
Employer Benefits
- Cost reduction, in some cases greater than 90% annually versus checks
- Improve cash flow and cash control
- Eliminate costly and cumbersome stop payment activity
- Reduce fraud losses
- Provides daily reconciliation, along with other weekly and monthly reporting
- Eliminate lost, stolen and returned checks
- Reduce burden of unclaimed funds
Employee Benefits
- Saves them money by eliminating the high fees associated with check-cashing facilities
- Faster access and lower fees to get their money
- Unlimited transactions at retailers across the U.S.
- 24/7 customer support via Key2Payroll.com or live agent
- Funds on lost, stolen or damaged cards are protected
- Reduce fraud concerns

Key2Benefits®
The Key2Benefits prepaid card service provides Mastercard®-branded cards for benefit distribution. Funds can be loaded to the card in place of paper checks and, once the card is activated, subsequent payments are loaded electronically.
Organization Benefits
- Cost reduction, in some cases greater than 90% annually versus checks
- Improve cash flow and cash control
- Eliminate costly and cumbersome stop payment activity
- Reduce fraud losses
- Provides daily reconciliation, along with other weekly and monthly reporting
- Eliminate lost, stolen and returned checks
- Reduce burden of unclaimed funds
Recipient Benefits
- Saves them money by eliminating the high fees associated with check-cashing facilities
- Faster access and lower fees to get their money
- Unlimited transactions at retailers across the U.S.
- 24/7 customer support via Key2Benefits.com or live agent
- Funds on lost, stolen or damaged cards are protected
- Reduce fraud concerns

Key2Prepaid®
The Key2Prepaid card is a Mastercard®-branded prepaid card. Funds can be loaded to the card in place of paper checks. After the initial mailing and activation, cards are reloaded electronically for subsequent payments.
Organization Benefits
- Cost reduction, in some cases greater than 90% annually versus checks
- Improve cash flow and cash control
- Eliminate costly and cumbersome stop payment activity
- Reduce fraud losses
- Provide daily reconciliation, along with other weekly and monthly reporting
- Eliminate lost, stolen and returned checks
- Reduce burden of unclaimed funds
Recipient Benefits
- Saves them money by eliminating the high fees associated with check-cashing facilities
- Faster access and lower fees to get their money
- Unlimited transactions at retailers across the U.S.
- 24/7 customer support via Key2Prepaid.com or live agent
- Funds on lost, stolen, or damaged cards are protected
- Reduce fraud concerns
Business Credit Cards
As a business owner, you need a credit card you can count on – one that is widely accepted, convenient and offers the perks and rewards that you value most. With a KeyBank Business Mastercard®, whether you choose a rewards or basic card, you’ll have everything you need to help ensure your business always runs smoothly.