The acceptance in commerce is the factor more valued by the company card users
12 of June of 2007 MadridIn agreement with a survey recently realized by Europe Visa, the company cards enjoy good acceptance between the employees or owners of the Spanish SMEs. 31% of the interviewed people have a card of payment for companies, and between those who do not have it, 57% assure that it would like to tell on one of these cards. The type of card of more common company is the Classic one (54%), followed by the Business (28%) and the Corporate (9%). Between the Spanish SMEs, Visa is the mark leader. In this sense, 75% of the interviewed people declare that its card of company is Visa.
According to this same study, the aspect more evaluated (45%) of a card of payments of company between the employees or owners of SMEs that realize meals or business trips, is that it is accepted in many establishments. 24% value more than this type of cards has discounts in hotels and other points of sale, whereas 16% appreciate the fact that they present/display a clear extract to end of month.
As far as the management of these cards, 90% of them are domiciled in the account of the company, and the payments of the same usually are realized between day 1 and 10 of every month (62%). In the majority of the companies interviewed, the decision to emit a company card mainly the taking the chief of a main directorate (45%) or the financial director (30%), and the average limit of credit that settles down for these cards is of 3.250€.
Cost and habits of payment
The domestic flights and international of the SMEs usually are pleased preferably with a company card (31%), which demonstrates the value that has the control of costs when the expenses with a company card are pleased (mainly because the relation of all the expenses in the monthly statement of account is included that sends the financial organization).Still it has, nevertheless, a good number of employees or owners of SMEs that pay to their expenses of trip or representation with their personal card (25%). In order to pay the hotels, the personal cards of company and cards are the preferred options, both choosing by a 28% of the interviewed people. As far as the restaurants, the personal card seems to be the most popular option (27%), followed by the money in cash (24%) and finally the own card of company (19%). For the rest of expenses several related to the company trips, once again, the personal card is most popular (29%) whereas the use of the company card becomes to be in 19%.
“A company card represents a proven and effective way mainly to manage and to control the expenses of any SME. They are thought and designed to facilitate the management of the expenses and the purchases of the companies. It is important to distinguish them of personal cards, because these last ones are thought for the particular and deprived use of their holder�, says to Luis Garci'a, chief of a main directorate Europe Visa in Spain. “The advantages of the solutions for Visa company are very appreciated in our country, as it indicates the one that our mark is used for company cards�
74% of the employees or owners of SMEs assure that, in some occasion, the expenses of their company with a personal card have paid. The SMEs usually reimburse these expenses to their workers when to present/display the vouchers (58%). With less frequency, these employees pay with their own money in cash and must wait for a little more time to be reimbursed. The return of this money usually is carried out as an entrance in list (16%) or realizing the installment one week after presenting/displaying the expenses (11%). Only one of each five SMEs (20%), counts on an electronic system of pursuit of expenses of trip (“travel expenses management tool�).
75% of the employees who have realized a food or a trip of company abroad declare to have passed one or more nights during the last year by needs of work. In particular, these employees have slept an average of 10 nights abroad during the same period by this reason. More than half (55%) of this group he has realized some domestic flight during the last year, with an average of 3.3 registered flights. That number descends to 30% in the case of which they have realized an international flight, with an average of a registered flight.
Profile of the employees of SMEs
The represented sector of economic activity more of the employees of SMEs that realize trips or meals of businesses is the sector of services (40%). With respect to other sectors, 13% work in the construction, and 12% in the industry. A percentage very reduced, only a 1.3%, works in agriculture, cattle ranch or fishes.The average number of employees in these companies is of 53 employees. As far as the positions that the employees occupy who realize meals or trips of company, 29% declares to be average picture, 29% specialized employee, 16% proprietor and 13% manager. 30% of these employees work by their account, while 70% work on another's account.
 
 It has received a suspicious email?