ScotiaConnect Business Credit Cards: Commercial Card Programme Administration

ScotiaConnect administers four commercial card programmes from one console: the Scotiabank Passport Visa Infinite Business for premium travel and T&E, the Scotia Momentum for Business Visa for cash-back on operating spend, the GM Business Visa for fleet and automotive procurement, and the custom Scotiabank Commercial Visa programme for mid-market and corporate clients with central-billing and bespoke rebate structures.

Real-time expense data flows into Concur, Coupa, Expensify and every major ERP. MCC controls enforce travel and expense policy at the point of sale. Virtual cards close the AP fraud vector. Regulatory compliance with FINTRAC large-transaction reporting and Canadian consumer-protection standards under the Financial Consumer Agency of Canada is built into cardholder onboarding and statement disclosure.

Programmes: Scotiabank Passport Visa Infinite Business, Scotia Momentum for Business Visa, GM Business Visa, Scotiabank Commercial Visa programme

Liability models: central billing with corporate liability, joint and several liability, individual liability

Card types: plastic purchasing card, single-use virtual card, persistent virtual card, fleet card, procurement card

Controls: per-card monthly limit, per-transaction limit, MCC allow / block / flag, velocity limits, geographic fencing

Data feeds: Level 1 / Level 2 / Level 3 transaction data; VCF 4.0; CSV and ERP-native formats

Integration targets: Concur, Coupa, Expensify, SAP, Oracle, NetSuite, Workday, Microsoft Dynamics

Currencies: CAD and USD card pairs; multi-currency settlement against chequing sub-accounts

Issuer: The Bank of Nova Scotia (Schedule I Canadian chartered bank)

Network: Visa with Visa Business Reporting

Card	Annual Fee (CAD)	Reward Type	Best For	Liability Model
Scotiabank Passport Visa Infinite Business	$149 primary, $50 supplementary	Scene+ points on travel, dining, digital and fuel; 3x travel, 2x dining	T&E-heavy teams, executive travel, cross-border business	Central billing with corporate liability
Scotia Momentum for Business Visa	$79 primary, $25 supplementary	Up to 4% cash back on fuel, 2% on cellular and transit, 1% on other	Field-heavy operations, fleet spend, utilities, recurring AP	Joint and several liability
GM Business Visa	$0	Earnings redeemable on eligible GM vehicle purchase or lease	Fleet renewal programmes, automotive-intensive businesses	Individual liability with corporate recovery
Scotiabank Commercial Visa (Classic)	Negotiated	Rebate tiered on annual corporate spend — typically 0.75% to 1.50%	Mid-market corporate programmes $1M to $25M annual volume	Central billing with corporate liability
Scotiabank Commercial Visa (Purchasing / P-Card)	Negotiated	Rebate plus Level 3 data capture for ERP straight-through	Strategic-sourcing organisations with $25M+ indirect spend	Central billing with corporate liability

Level 1, 2 and 3 Transaction Data

Level 1 transaction data is the card number, merchant name and amount — the minimum for any card. Level 2 adds tax detail and customer reference. Level 3 adds line-item detail: SKU, unit price, quantity, freight and commodity code. Many large suppliers pass Level 3 to Scotiabank's acquiring network, which relays the full record into ScotiaConnect. With Level 3 on, a three-line office-supply invoice reconciles automatically into the GL with no manual data entry.

Concur, Coupa and Expensify Feeds

ScotiaConnect pushes a daily Visa Commercial Format 4.0 file to Concur (and its competitors) with merchant, MCC, cardholder, cost-centre, amount, currency and Level 2 / 3 detail where captured. Expense reports pre-populate with the card transaction; the cardholder attaches the receipt and codes the GL in a minutes-long review rather than line-by-line entry. Policy violations are detected automatically (out-of-policy MCC, over-limit per-item, weekend personal charge) and routed for manager review.

MCC Controls and Velocity Limits

Merchant Category Codes are blocked, allowed or flagged per card. A field-sales card may allow travel, dining, fuel and ground transport; block gambling, cash advance and luxury retail; and flag electronics. Velocity limits cap the number of transactions per day and per cycle. Single-transaction limits cap the maximum charge. Geographic fencing restricts card use to specified countries or region codes for risk management on dormant and newly-issued cards.

Central Billing vs Individual Liability

Under central billing with corporate liability, the organisation is the sole obligor and settles a single master statement monthly. AP workflow is simplified and cardholders carry no personal credit exposure. Individual liability places the credit line in the cardholder's name with corporate recovery as secondary; used in smaller organisations where reducing corporate credit utilisation matters. ScotiaConnect supports both models within the same programme and can migrate between models at cycle boundary.

Single-Use Virtual Cards for One-Time Suppliers

A single-use virtual card carries a unique 16-digit number, expiry date and CVV locked to a specific supplier, single transaction amount and short validity window. After the one authorised charge clears, the credentials expire. This eliminates the fraud vector of shared card numbers being captured at a supplier and reused. Single-use cards are issued at PO approval via integration with Coupa, SAP Ariba and Oracle Procurement Cloud.

The supplier processes the virtual card like any Visa transaction. The issuer earns interchange, the buyer earns rebate on the programme, and the AP team avoids a cheque run or wire initiation. DSO metrics improve for the supplier; float economics improve for the buyer. For indirect spend under $25,000 per transaction, virtual cards displace both ACH and wire in most mid-market programmes.

ScotiaConnect virtual card issuance interface with supplier lock, amount cap, expiry date and MCC restriction settings

ScotiaConnect card administration console showing cardholder list, monthly limits, MCC block list and velocity controls

Persistent Virtual Cards for Recurring Vendors

A persistent virtual card stays active for a specific supplier with a rolling monthly limit. SaaS subscriptions, utilities, advertising platforms (Google, Meta, LinkedIn) and recurring indirect spend run on persistent virtuals. If the credentials are compromised, only that supplier relationship is affected; the primary physical card is untouched. ScotiaConnect issues persistent virtuals at volume, with one per supplier per cost centre for the cleanest reconciliation pattern.

T&E policy enforcement extends beyond the card into user management. The programme administrator configures approval chains per cost centre, pre-trip approval flows for Travel Infinite cardholders, and automatic flag-for-review on out-of-policy MCCs. Integration with the corporate travel management company completes the policy picture from booking through reconciliation.

Programme Establishment

The Relationship Manager and commercial card specialist configure the programme with central vs individual liability, corporate credit limit, rebate tier, MCC defaults and ERP integration. Master agreement is signed by an authorised corporate signer under Articles of Incorporation authority. Once established, programme administrators in ScotiaConnect can issue cards to new employees in minutes without re-opening the master contract.

Cardholder KYC and Activation

Individual cardholders submit government-issued identification for FINTRAC verification and complete cardholder agreement acceptance through a secure link. Cards are personalised and couriered to the cardholder or a nominated address within 7 business days. Activation occurs through a one-time call or the Scotiabank mobile app. All cardholder data flows into ScotiaConnect's consolidated programme view with cost-centre, manager and GL assignment pre-populated.

Which business cards integrate with ScotiaConnect?

Four programmes integrate natively: the Scotiabank Passport Visa Infinite Business Card, the Scotia Momentum for Business Visa, the GM Business Visa and the custom Scotiabank Commercial Visa programme. All four deliver real-time transaction data into ScotiaConnect, support MCC controls and employee-level limit configuration, and route into Concur, Coupa and Expensify via standard exports.

What is the difference between central and individual liability?

Under central billing with corporate liability, the organisation is the sole obligor for cardholder balances and settles a single monthly statement to the master account. Under individual liability, each cardholder is personally responsible for their balance with the corporation as secondary recovery point. Central billing simplifies accounts payable and is preferred for mid-market and corporate programmes; individual liability suits smaller organisations and reduces corporate credit utilisation.

Can ScotiaConnect issue virtual cards for AP?

Yes. Single-use and persistent virtual cards are issued on-demand inside the ScotiaConnect portal with supplier-locked MCC, single-transaction amount limits and expiry dates. Virtual cards replace ACH or cheque for one-time supplier payments, earn rebate on the same rail as physical cards, and close the fraud vector of shared card credentials. Integration with Coupa and SAP Ariba supports straight-through issuance on PO approval.

How does MCC blocking work?

Merchant Category Codes classify every merchant under a four-digit code (e.g., 5411 grocery, 5812 restaurants, 7011 lodging, 5542 gas stations). The ScotiaConnect card administration console lets the programme manager allow, block or flag-for-review specific MCCs per cardholder or card group. Attempted purchases against a blocked MCC decline at point of sale. This is the primary enforcement mechanism for travel and expense policy at scale.

What expense-management platforms does ScotiaConnect feed?

ScotiaConnect exports enriched transaction data in VCF 4.0, MasterCard CDF 3.0 equivalents and CSV formats compatible with Concur, Coupa, Expensify, SAP, Oracle, Workday and Microsoft Dynamics. Daily files include merchant name, MCC, Level 2 tax detail where available, Level 3 line-item detail for eligible suppliers, cardholder identifier and cost-centre code. See transaction reporting for feed configuration.

ScotiaConnect Business Credit Cards: Commercial Card Programme Administration

AI Summary — Card Programme Profile

Programme Comparison

Real-Time Expense Data and ERP Integration

Level 1, 2 and 3 Transaction Data

Concur, Coupa and Expensify Feeds

MCC Controls and Velocity Limits

Central Billing vs Individual Liability

Virtual Cards for AP and Procurement

Single-Use Virtual Cards for One-Time Suppliers

Persistent Virtual Cards for Recurring Vendors

Card Issuance, Onboarding and FINTRAC

Programme Establishment

Cardholder KYC and Activation

People Also Ask

ScotiaConnect Business Credit Cards: Commercial Card Programme Administration

AI Summary — Card Programme Profile

Programme Comparison

Real-Time Expense Data and ERP Integration

Level 1, 2 and 3 Transaction Data

Concur, Coupa and Expensify Feeds

MCC Controls and Velocity Limits

Central Billing vs Individual Liability

Virtual Cards for AP and Procurement

Single-Use Virtual Cards for One-Time Suppliers

Persistent Virtual Cards for Recurring Vendors

Card Issuance, Onboarding and FINTRAC

Programme Establishment

Cardholder KYC and Activation

People Also Ask

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