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Credit card

Visa Purchasing

Card to streamline the procurement process for medium and large businesses

Estimated annual spending: Above $1 million 1

Interest rates

Purchases:  18.25%

Cash advances: Prime rate 2 + 5%

Annual fee

$20 per card

Card controls

Spend controls and credit limits

Benefits of the Visa Purchasing card

The Visa* Purchasing card streamlines the payment process for everyday and recurring purchases like office supplies, gas and meals at restaurants. It helps you control expenses and save time and money on payment processing.

  • Better control over spending and credit limits
  • Waiver of liability of up to $100,000 per card for certain unauthorized transactions made by employee cardholders
  • Integration of data into accounting and enterprise resource planning (ERP) systems
  • Single monthly payment for all purchases and faster order processing
  • Improved liquidity with up to 51 days of cash flow


Online account management

Manage your Visa Purchasing card account online on AccèsD Affaires with the Business Account Management service. 3

You can make the following changes to your credit card account online:

  • Request to change your credit limit
  • Change your address or phone number
  • Add, cancel or replace a card
  • Set card controls (such as daily limits and transaction limits)
  • View manager activity reports

Different payment options

There are 2 options for paying your credit card balance. Choose the one that works best for your business. 4

Centralized payments

Make a single payment each month to your business's main Desjardins credit card account (master account). This single payment will pay off your card and all other cards associated with your master account at the same time. 

Decentralized payments 

Pay the balance of each card associated with your master account separately. This frees up each card's credit limit as soon as the payment is processed.

Additional features and options

  • 21 days to pay off your balance without incurring interest, except on cash advances.
  • Visa Account Updater service to help you avoid declined payments due to expired card information. When you get a new card, this service automatically sends your updated card number and expiration date to merchants you have a pre-authorized payment agreement with. Check with these merchants to see if they offer this service.
  • Visa Spend Clarity for Enterprise gives you access to free basic management reports. This service helps you manage your business's spending by integrating data into your accounting and enterprise resource planning (ERP) systems.

Fraud protection

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* Trademark of Visa International Service Association and used under licence. Subject to credit approval by the Fédération des caisses Desjardins du Québec. Annual prime rate of the Fédération des caisses Desjardins du Québec (Desjardins prime rate). AccèsD Affaires is our secure online platform. Registration is optional. Monthly fees may apply. Centralized payments is the default option. Contact us if you want to change your payment option. Some conditions may apply.