Your role as a Programme Administrator is to oversee the day-to-day management of the American Express Corporate Card programme, thereby forming a crucial link between your Company and American Express.

When charges are declined
Unfortunately there are times when a charge may be declined. American Express uses an Intelligent Electronic Financial Management and Authorisation System to protect your Company and Cardmembers against fraud and that minimises financial risk. This is done to protect the interests of Cardmembers and the company. Any out-of-pattern spend will be referred for manual approval. This means the transaction will not go through on the Card until American Express has been contacted and approves it. Card charges are more likely to be referred for manual approval when new Cardmembers start using the Card and have minimal spend history. The most frequent types of out-of-pattern expenditure are large, internet or overseas transactions. If you are aware of any-out-of pocket expenditure that is likely to arise for a given reason, for example an international trip, company conference, or similar, please contact our Credit Department at 1800 737 8188 ahead of the expected date that the charge is likely to be made.

If a merchant indicates that a transaction has been declined, Cardmembers should request that the merchant contact the American Express Merchant GOs team for clarification on the decline. If manual approval is required, the Cardmember should ask the merchant to contact the American Express Merchant Services team to request for this approval.

Avoiding declined charges
If Cardmembers anticipate an out-of-pattern charge, they can contact American Express prior to using their Corporate Card and seek pre-authorisation. We recommend Cardmembers seek pre-authorisation on all large, internet or overseas purchases. This avoids the inconvenience of charges being declined. Cardmembers can contact our Customer Service Team at 1800 732 2566 to request pre-authorisation.

How to dispute a charge
If a Cardmember does not recognise a transaction, the first action should be to contact the supplier and dispute the charge directly. If this is either unsuccessful or not possible, the Cardmember can contact the Customer Service Team at 1800 732 2566 to dispute the charge. This must be within 3 months of the date the charge was placed on the Card. A temporary credit may be applied to the Account while American Express contacts the supplier to obtain support for the charge. Investigations of charges by American Express may take up to 6 to 8 weeks. An investigation fee may be applied should the charge prove genuine.

To ensure your Company's expense management programme runs smoothly, you may be required to assist with tasks to administer the programme including adding or cancelling Cards and paying your Company's Account. To change your Company's details or contacts, please click here for the Change of Company Details form.

This section allows you to review information and/or access direct links for a number of activities which will help you to maintain your Company’s Cardmembers. You may also wish to enrol for Global Online Programme Management in @ Work, to complete these activities online.

Requesting a new Card
@ Work online Card application capability enables you to customise the approval process with automated email notifications at every checkpoint, reducing the time it takes for your employee to receive their Card.

Please click here to access Card Member paper application forms.

Requesting an urgent Card
To request an urgent Card, please fill out the Cardmember Application Form as you usually would, and tick Priority Handling in the top left hand corner. Please note that a handling fee is applicable for urgent requests.

Renewing expired Cards
Renewal Cards will be automatically mailed to the Cardmember's billing address 10 to 15 days prior to Card expiration.

Replacing a lost or stolen Card
In the event of a Card being lost or stolen, it should be reported immediately by the Cardmember at 1800 732 2566, 8.30am - 7.00pm, Mondays to Fridays (except public holidays), or at 1800 737 8188 after office hours.

If the Corporate Card is lost or stolen overseas, please contact the local American Express Travel Services Office or a Representative Office. Cardmembers will usually be able to receive a replacement Card on the next business day at no extra cost. Alternatively, Cardmembers may also call (65) 6732 2566 during office hours (except public holidays) or (65) 6737 8188 after office hours.

Cancelling a Card
If an employee no longer needs a Corporate Card, the Card must be cancelled so that American Express does not continue to charge annual fees for this Card. You can cancel a Card via Global Online Programme Management in @ Work. Alternatively, please email the PA Servicing Team at castsingapore@aexp.com

Reinstating a cancelled Card
Please email the PA Servicing Team at castsingapore@aexp.com for any Cardmember account reinstatement request.

Changing Cardmember contact details
As Programme Administrator you are able to change Cardmember details via Global Online Programme Management in @ Work.

Programme Administrators may also cancel Cards in near-real time, reinstate or replace Cards using this tool at any time of the day.

American Express @ Work^®
From everyday Card management to comprehensive reporting, get the most from your Card program. Manage your Corporate Card program anytime, anywhere with @ Work – a powerful online tool giving you full visibility and control of your company’s Corporate Cards..

Manage Cardmembers
@ Work allows you to manage your company’s program more efficiently online, saving you time and money.

• Apply for new Cards
• Keep your Cardmembers’ details up to date
• Manage Cardmember limits
• Monitor Cardmember spend
• Replace, suspend, or cancel Cards

Cards for new Employees
Apply for new Cards with our digital solution, which allows you to customise the application journey and approvals actionable anytime and anywhere.

@ Work reporting
Query, filter and sort your Corporate Card information with @ Work to meet your expense management needs and easily track the information most relevant to you.

There are two types of reporting available:

Standard:
Receive automatic Card management, compliance and spend trend reports monthly, across various organisational and geographic levels. These reports are preformatted and available in either PDF or Excel format.

Customised:
With custom reports you have the flexibility to sort and view the information that is most important to you. You can directly save your report, set it to run on a particular schedule, or print, export and graph your results directly from the ‘Report Viewer’.

Register now
Complete the registration form to set up access to @ Work.

Request a free training session
Simply contact your Account Manager or our PA Servicing Team. You must be enrolled to @ Work to be eligible.

An Expense Management Solution can help companies save up to 30%¹ on travel and entertainment costs through the streamlining of payment processes and increased control. American Express helps companies achieve these cost savings by extending local, regional and global expense management solutions through the Corporate Card programme.

The spend data captured through the American Express closed-loop network provides Companies with spend clarity. This delivers your Company savings, through enhanced vendor negotiations, as well as the elimination of steps in the expense claims process.

1. European T&E Expense Management Study, American Express and AT Kearney, 2008.

Online Statements is a free service that helps Cardmembers review and reconcile their expenses online, without having to wait for monthly Corporate Card statements.

Online Statements enable you to:

• Access account information 24 hours a day, 7 days a week
• Track current charges and payments, and show statements for the past 3 months
• Track unbilled balances and new charges.

Enrolment for Online Statements requires individual action by each of your Cardmembers and takes just a few minutes. To ensure your Cardmembers receive monthly statements, they need to enrol in Manage Your Card Account here and select the Manage Your Card Account to Register for Online Services.

Cardmembers can also gain access to their past 6 months, Corporate Card statements in PDF format, online. After enrolment, Cardmembers will receive a monthly email notification when their statement is ready to be viewed online.

There are a number of methods for paying an American Express Corporate Card statement. The payment methods available depend on whether your Company or the Cardmember pays the statement.

Company payment options
There are a number of options where your Company pays the account centrally, including:

• Interbank GIRO
• Electronic Funds Transfer (EFT) or Direct DEBIT

1. Interbank GIRO
Interbank GIRO is the most convenient way to settle your bills. It can be used irrespective of whether the Corporate Card account is paid individually or centrally. The Direct Debit can be scheduled to occur from 5 to 25 days after your Corporate Card statement date. For a centrally paid account, the balance from each Card statement will be transferred to the Direct Debit account, the balance from each Card Statement will be transferred to the Direct Debit Account and the total of these amounts will then be debited from the Company's nominated bank account.

2. Other payment options: Electronic Funds Transfer (EFT) or Direct DEBIT
EFT is a payment option for Companies who wish to pay the Corporate Card account centrally. Clients who have pre-selected this form of payment during the initial Account set-up will be issued a unique 6-digit number, which must be quoted for all deposits.

Remittance Advice
A full remittance advice should accompany all telegraphic and electronic remittance payments. A remittance advice can be printed from @ Work. This will be available 48 to 72 hours after the statement cut off date. Alternatively, you can prepare your own and fax it to Corporate Card Remittance Processing on (65) 6507 7484 on the same day the payment is made into the American Express bank account. If you prepare your own remittance advice it must contain:

• Master Control Account number (MCA - your Company's unique ID)
• Company name
• Date of payment
• Card number
• Cardmember name
• Amount of payment per Cardmember
• Payment total
• Notation of any credit adjustments between accounts.

Missing or misallocated payments
If there is no remittance advice accompanying a payment, or if the remittance advice is incorrect, the
payment(s) will remain unallocated. This means that Cardmember payments may become overdue and late payment fees may apply. Should you require any clarification on your Company billing or payment options, please call the PA Servicing Team at 1800 732 2566.

Cardmember payment options
When the Cardmember pays the account, the following options are possible:

• Online payment via Internet Banking
  If you are a DBS, OCBC or UOB bank account holder, you can pay your bill via your respective
  bank's website¹.
• Interbank GIRO
  Sign up for a GIRO payment arrangement to establish a direct debit from your nominated bank
  account within 5 to 25 days from your Corporate Card statement date. Please click here to
  download the GIRO application form.

1 Only applicable for DBS, OCBC and UOB banks. Terms and conditions apply.

Late payment fees are easily avoided simply through Cardmembers being made aware that the American Express Corporate Card is a Charge Card, which means the full balance needs to be paid upon receipt of the Cardmember's statement.

Payment must be received before the next statement cycle ends to ensure allocation of payment and to avoid incurring a late payment fee. If a payment becomes overdue, American Express may charge the Company or the Cardmember late payment fees on the overdue balance, monthly in arrears. American Express- credit policy for the following overdue payment dates is described below.

Overdue for payment
If we do not receive full payment of your total bill on your monthly statement by the date of your next statement, the late payment fee will apply. A late payment fee of 2.5% or S$40.00*, whichever is greater, will be levied on the outstanding balance. The Cardmember or the Programme Administrator may be contacted via letter or telephone and the Card may be suspended. This will only happen after the Cardmember or Programme Administrator has been advised that this will occur.

*Rates subject to change. Please refer to your American Express monthly statement for the latest rate and/or your company's Global Agreement, if applicable.

60 days overdue for payment
If a Card is 60 days overdue for payment, the Cardmember or Programme Administrator will be contacted via telephone or letter and the Card will be suspended. An additional late payment fee will be accrued.

90 days overdue for payment
If a Card is 90 days overdue for payment, the Card will automatically be cancelled. The Account may be referred to an external debt collection agency or solicitor employed by American Express to establish acceptable repayment terms. An additional late payment fee will be accrued.

The American Express credit policy may vary depending upon the Terms and Conditions set for your Company and will be applied on an individual Card basis.

To assist with planning Cardmember payments after a Card is overdue for payment, please contact the Credit Services team at (65) 6507 7474.

To avoid late payment fees, Cardmembers can check their online statements anytime and anywhere via the Internet. Click here to register for Online Statements.