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Business and Commercial Capabilities & Digital Experience

Banks, fintechs, enterprise, & merchants use our cutting-edge, global Credit Card platform-as-a-service

Empowering our customers to roll out Business and Commercial Cards with rich capabilities and seamless enterprise platforms.

One Time Issue Virtual Card

Multi Currency Cards

Fleet & Fuel Cards

Preloaded & Prepaid Cards

Purchasing Cards

and Much More...

Enhanced Business Customer Experience and Adaptability

With Brim's innovative solutions, banks can offer their commercial clients features. The modular architecture and comprehensive API suite ensure seamless integration with existing systems, allowing banks to adapt to their clients' changing needs quickly. These features cater to the evolving demands of business card users, enhancing the user experience and helping clients manage their finances more efficiently.

  • Employees spend review and report submission for approval
  • Industry-leading accounting software integrations and Invoice payments automation
  • Permissions hierarchy: default roles include Administrators, Employees, and Bookkeepers
  • Real-time spend visualization, card management, and policy creation with exception handling

Single Sign-On and Integration into existing digital banking environment

Connect your Corporate cards to various accounting softwares

  • Native integrations with industry leading accounting softwares including: Intuit Quickbooks, Oracle NetSuite, Xero, and many more
  • Synchronized transactions, vendor information, and spend categories across your entire organization
  • Leverage advanced matching algorithms, or define custom rules to match transactions with your existing general ledger structure

Mobile Wallet &
Instant Provisioning

Supported by

Take control of your business spending

  • Transparency for admins: spend monitoring, configurable alerts, and intelligent reporting
  • Employee spend insights: spending trends, custom limits, and alerts on adjustable thresholds by category
  • Spend controls: merchants/categories blocks, cards locking on demand, and expense policies enforcement

Automate invoice payments to your trusted suppliers

  • Single-use virtual cards available to power security and supercharge reconciliation
  • Automated payments via single use virtual cards
  • Industry-best OCR capabilities to maximize efficiencies and reduction of invoice processing time

Multi-Product Capabilities

Manage all your accounts and products through a single interface and login

Employer Cards Management

Offer your customers a streamlined financial experience with one intuitive platform.

  • Add employee cards instantly from Portal or Mobile App
  • Issue employees General Purpose Virtual & Physical Cards​
  • Issue employees Virtual Card Only, enabled for e-commerce & mobile wallets​
  • Set monthly spending limits for each card, and flexibility to adjust those limits instantly from the Portal or Mobile Apps
  • Real-time control, visibility and insights on each employee’s spend behaviour​
  • Blacklist or whitelist specific merchants for each employee card​
  • Receive instant purchase notifications for each employee card​
  • Issue employees Single-Use Virtual Cards, for single use and then cards are removed and new single-use can be generated​
  • Pay vendor invoices at scale using Single-Use virtual cards delivered directly to your vendors

Managing Account - Admins

A new way to manage your company’s spending

  • Instantly add and remove Admins to the platform and customize the level of functionality by Admin

  • Configure functionality by Admin, enabling them access view-only access, full rights to control the account, or anywhere in between

  • Admins can receive their own card, or be non-card customers within the Portal and Apps performing functions that are specifically designated for them

Account Management

Complete self-serve capabilities to control and manage your Business account

Department Structures

Enable Department structures to oversee the finances of groups of employees seperately

  • 1

    Define complex business structures via departments, and deploy a separate card to each

  • 2

    Customize spend limits and restrict transactions by category or amount for each department separately

  • 3

    Manage payments and track rewards across the entire organization or deep dive into each department

  • 4

    Customize monthly statements for the specific needs of large businesses

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Brim Embedded Loans

Expand your product suite to include flexible business loans embedded right in your environment

Streamline and Automate Your Accounts Payable

  • Batch Payments: Schedule multiple supplier payments with a single batch invoice file.
  • Maximize Efficiency: Cut down on paperwork and administrative time to optimize cash flow and propel business growth.
  • Real-Time Tracking: Monitor payment statuses in real-time.
  • Integrated Reporting: Apply custom rules to automate and tailor payment workflows, and consolidate all transactions into comprehensive reports.
  • Supplier Payment: Take control of supplier payments by dispatching one-time pre-approved digital cards to each vendor, restricted by categorization codes.
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Effortless and comprehensive integration for streamlined reconciliation and account management:

  • Easily integrate with any ERP and import and export data with bidirectional syncing
  • Admins can schedule regular company-wide transaction exports
  • Can be gated behind a premium package to create an additional revenue stream for Partner
  • Create and export custom CSV templates compatible with your ERP
  • Map ERP data to custom fields and auto-categorize spend in real-time
  • Export real-time spending views with customizable reports
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Commercial Platform Functionality

Customize each card offered with any permutation of card functionality

Omnichannel Digital Onboarding

Realtime decisioning and limit allocation

Digital and/or Physical Card Activation

Instant Mobile Wallet Provisioning

Virtual Card Deployment

  • Instant replacement of lost/stolen card
  • Instant issuance of one-time use cards

Referral Program

Cash Advance Services & Restrictions

Security

  • Instant lock all transactions or ATM or online or international transactions

Authorized Users

  • Add/remove users and update spend limits in real-time
  • Lock users to specific types of transactions
  • Turn on/off notifications for authorized user activity

Budgeting & Spend Monitoring

  • Set monthly budget across all spend
  • Receive notifications on thresholds
  • Configure customized categories of MCC
  • Adjust in real-time & compare month to month changes in spend

Transaction filtering

  • Filter/search on any column available
  • Export transactions to CSV or XLSX

Customer Info Updates

  • Opt customer in/out of marketing communication (CAN-SPAM compliant)
  • Change Card Type
  • Address/Email/Phone Updates
  • Language Selection/Change
  • Credit Limit Increase/Decrease
  • Travel Notices

Notifications Suite

  • Purchases above a threshold
  • Payment due
  • Statement ready
  • Approaching credit/budget limit
  • Marketing/Newsletter
  • Travel spend

Payments

  • Variable Auto-Pay (choose dynamic amounts)
  • Same Day, Single-Time ACH
  • Skip-A-Payment
  • Payments: Bill Pay, ACH, API

Balance Transfers: Normal & Promotional

Balance Protection Insurance

Statements: Electronic & Paper

Customer CRM Functionality

  • Search for customers and view their information file
  • Submit applications on their behalf
  • Internal slack for communication with other employees regarding a customer
  • View all correspondence & trigger a resend
  • Give goodwill points & waive fees
  • Change statement billing cycle

SMB/Commercial Specific Functionality

  • Create departments for reporting
  • Accounting software integration
    • Quickbooks
    • Netsuite
    • Xero
    • Concur
    • Zoho
  • Invoice Payment Tool

Transaction Filtering

Control and Visibility over all spend occurring on your Retail account

  • Download Transactions in CSV, XSL or PDF
  • Download by transaction date or posted date
  • Download by statement period
  • Download transactions for specific or all cardholders
  • Search for Transactions by Merchant Name, Category or Tag
  • Filter transactions by Foreign Purchases
  • Filter transactions by Fees & Interest
  • Filter transactions by Payments
  • Filter transactions by Refunds
  • Filter transactions by Recurring Transactions
  • Filter transactions by Accelerated Rewards
  • Filter Transactions by Cardholder

Agent-based Servicing Platform

  • Co-Browse w/ Customer & Perform All Self-Serve (Over 300 Functions)
  • Setup Payment Plans
  • Set up Payments
  • Activate Cards
  • Goodwill Points
  • Waive Interest & Fees
  • Apply Fees
  • Change Statement Cycle Dates
  • Re-print Statements
  • Edit Credit Limits
  • Onboard New Customers
  • Onboard Pre-approved Customers (without bureau pull)
  • Block Authorizations on Accounts
  • Block Logins to Platform
  • Send Instant Messaging to other Bank Employees
  • View Status Codes & Add/Delete Status Codes from Accounts
  • Change Customer Information
  • Resend Correspondence
  • Disputes & Chargebacks
  • Add/Reply/View Memos
  • Change Customer Information (DOB, Contact Info etc)
  • Lock/Unlock Passwords

We’ve got you from start to finish

Seamlessly replace legacy vendors with zero down-time for your customers

Build the next-generation of online banking with Brim

We offer a fully configurable platform embedded seamlessly into your environment.

Scalable

Grow efficiently and with peace of mind knowing that we have the highest standards of security and compliance in place.

Speed First

Delivering digital-first solutions seamlessly, so you can integrate and innovate faster, launching programs in weeks.

Frictionless

Fully-integrated end-to-end financial platforms that are optimized for your digital environment.

Embedded Branding

Build a solution that has your brand to ensure customer trust and loyalty.

Customizable

Transform your customers’ experience with customizable merchant, customer, and other offerings.

Optimizable

Enables product constructs with optimized economics, and high ROI value added features.

Let’s Build your Future Banking Platform with Brim

Get in touch with our sales team to transform your organization with our platform-as-a-service solution