Card management, expense, integrated payables and travel, delivered under your brand and integrated with your existing infrastructure, so your corporate clients stay with your bank.
The banks that lead the next decade will give commercial clients modern tools they use every day. Zact helps banks deliver those experiences under their own brand while retaining the customer relationship and more of the underlying economics.
72%
of SMBs say their primary bank should offer integrated payables software.
$18B
in annual commercial fee revenue at risk from fintech disintermediation.
3×
higher deposit stickiness for clients using bank-provided payables tooling.
Zact modules are all interoperable much like apps on a smartphone. as a result, the functionality and user experience of each module is far superior to current offerings in the market.
A modern commercial card program: issuing, controls, rewards, virtual cards that earns interchange for your bank instead of a fintech.
Expense management that lives inside your bank's existing card program: receipts, policy, GL coding, reimbursements, all in one place.
The end-to-end payables system that automates your clients' entire accounts payable workflow: capture, approval, payment, reconciliation.
Flexible rebate management that helps your bank win and retain commercial clients, increase card spend, automate calculations and payouts, and protect margins.
Integrated business travel that combines booking, bank-issued cards, policy controls, payments, and expense reporting in one experience.
Streamlined BTA reconciliation gives finance teams and TMCs a shared workspace to match transactions, resolve disputes, and close travel spend faster.
“We stopped losing commercial clients to fintech platforms the quarter we turned Zact on. Our treasury team finally has software our CFO clients ask about by name.”
Danielle Reyes
EVP, Commercial Banking · Meridian Bank
We’ll walk through your commercial portfolio, identify where business is shifting to fintechs, and show how Zact can help you retain the relationship, the deposits, and the economics.
