28 Oct 2024 | Edukatips

BCA Business Debit Card: An All-In-One Solution for Your Company’s Financial Management

The term “debit card” is common, but what is exactly is a Business Debit Card?

Company owners, operational or financial directors, managers, or key personnel may encounter the following challenges:

  • Continuing to accept cash payments, leading to a risky accumulation of cash.
  • Difficulty managing petty cash for daily operational needs, without wanting the hassle of manual bookkeeping or a reimbursement system.
  • Wanting to reward important clients or partners, but cash rewards aren’t practical, especially since prepaid cards have fixed limits and can’t be used for cash withdrawals.

This is where BCA’s Business Debit Card comes into play.

Benefits of Business Debit Card

BCA offers a solution with the BCA Business Debit Card, designed to streamline cash management for companies. This card helps manage cash inflows and outflows, both internally and externally.

With BCA’s Business Debit Card, multiple cards can be linked to a single company account, and companies can personalize the card design using the co-branding feature. Card management and cardholder data entry can be done through BCA’s e-channels or the company’s systems using an external API network. It is important to ensure that all cardholder information is entered accurately and completely.

Types of Business Debit Cards

BCA offers three types of Business Debit Cards that can be chosen based on your company’s needs.

1. Deposit Card

This card is ideal for companies that receive card payments daily. It can be issued to cashiers or employees for making deposits.

Features of the Deposit Card:

  • No need to visit a BCA branch for deposits; simply use a BCA Setor-Tarik ATM.
  • Deposited funds will be credited to the designated company account in real-time, providing enhanced security as the beneficiary account cannot be altered.
  • This card is restricted to deposits only; it cannot be used for cash withdrawals or purchases at merchants, minimizing the risk of misuse.
  • There is no limit on the deposit amount.

2. Petty Cash Card

The Petty Cash Card is meant for companies that need to manage small cash expenses for everyday operations. This card can be handed out to various employees who will take care of these needs as required.

Features of Petty Cash Card:

  • Eliminates the need for a reimbursement process when employees purchase daily supplies or for company operations.
  • Can be used for transactions at merchants using BCA EDC or EDC from other domestic banks, as well as for cash withdrawals and transfers at BCA ATMs and branches. Funds in the company account are only debited when the card is used for a transaction.
  • Transaction limits for each card can be set through the BCA e-channel or the company’s e-channel using an external API network, with the following daily maximum limits:
    • Cash withdrawal at BCA ATMs: Rp10 million
    • Cash withdrawal at BCA branches: limit adjustable by the company
    • Debit BCA: Rp100 million
    • Transfers between BCA accounts: Rp100 million

3. Loyalty Card

The Loyalty Card is designed to reward important partners and customers of the company, including buyers, distributors, and priority clients.

Features of the Loyalty Card:

  • Can be used for purchases at merchants that accept BCA EDC or EDC from other domestic banks. It also also allows for cash withdrawals and transfers at BCA ATMs. Funds from the company account are only debited when the card is used for transactions.
  • Each card’s transaction limits can be set via the BCA e-channel or the company’s e-channel using an external API network. The daily maximum limits are as follows:
    • Cash withdrawal at BCA ATMs: Rp10 million
    • Debit BCA: Rp100 Million
    • Transfers between BCA accounts: Rp100 million

BCA Business Debit Card Setup Tools

Several management tools are available for the three types of Business Debit Cards:

  • KlikBCA Bisnis
  • Host-to-Host
  • myBCA Bisnis
  • API BCA, which can be accessed in real-time through the e-channels of company partners. This includes the following features:
    • Setting BDC card limits
    • Managing BDC card status
    • Retrieving information on BDC cards held by company partners

Using BCA’s Business Debit Card makes your business transactions smoother! For more information, please contact Halo BCA Bisnis at 1500998 or e-mail to  cashmanagement@bca.co.id.