NAPCP and TSYS Survey Results Identify Overall Commercial Card Program Satisfaction, Barriers, Opportunities, and Attitudes Towards Emerging Technologies

Wayzata, Minnesota, USA- -15 December 2016

The NAPCP and TSYS today released “Trends in Commercial Card and Program Management,” the results of a survey of Commercial Card and Payment professionals conducted in May and June 2016. Survey data provides insight into the satisfaction and concerns of end-user program managers with current products and the adoption of emerging technologies. The survey report provides results by Commercial Card type including Purchasing Card (P-Card) and Travel and Entertainment (T&E) Card programs, Electronic Accounts Payables (EAP), alternative B2B payment solutions, expense management, and mobile payments and account servicing through mobile notifications.

The report's Executive Summary is available to all NAPCP members and complimentary subscribers at The full survey results report may be accessed by NAPCP members, and can be purchased by non-members in the NAPCP store.


Respondents to the survey indicate an overall satisfaction with their programs but also identify where the various products are perceived to fall short, including: controls and compliance, security, monitoring and controlling spend and tracking receipts. 

“The results of this survey show numerous areas where Commercial Card providers can both educate and better serve their end-user clients,” said Diane McGuire, NAPCP Managing Director. “Solutions available today address top areas of concern such as control and security related to all product types. Solutions including automated compliance monitoring and mobile alerts are not yet commonly adopted by end-users but could address their most commonly identified barriers to growth. Supplier resistance has long been a barrier to maximum EAP implementation throughout the industry. Providing flexible terms through dynamic discounting and other options will go a long way to making EAP adoption a more viable option for making payments.”


Only 10% of respondents indicated they were likely or very likely to use Mobile Payments in the B2B space.

Payment security topped the list of concerns. Providers have an opportunity to discuss tokenization as a means of overcoming concerns.

Respondents were undecided when asked about the likelihood that their organization would adopt alerts (38%) or two-way SMS (39%) in the future.

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