Could you be doing more to cut costs?

Procurement and expense management has become an important source of cost savings, from centralizing travel management to automating the entire procure-to-pay process. See how Procure-to-Pay Best Practices can result in significant cost savings for your agency.

Get Customized Advice in a Few Clicks

The Card Program Optimizer from Visa gives you tailored recommendations to help your organization cut costs and streamline processes. Get started now


Deloitte & Touche and Deloitte Consulting conducted a procure-to-pay best practices study for Visa, based on onsite visits and survey responses from more than fifty diverse organizations.

Download “Best Practices in Brief” (PDF, 175k) to view the Executive Summary of the study.

Optimize your business—and improve your bottom line.

Visa has taken the results of this study and turned them into valuable tools for your organization. Contact a commercial banker at your financial institution for the following materials:

  • Procure-to-Pay Best Practices: Details fifty-four best practices from leading organizations, organized by process type. Recommendations and expected benefits of successfully integrating commercial card programs with Procure-to-Pay applications are included in Commercial Card Integration with e-Procurement and ERP Applications (PDF, 110k).
  • Travel and Entertainment Best Practices: Highlights thirteen best practices used by leading organizations to manage their travel and entertainment expenses. Recommendations and expected benefits of successfully integrating commercial card programs with expense reporting applications are outlined in Commercial Card Integration with Expense Reporting Applications (PDF, 100k).
  • Procure-to-Pay Performance Gauge: Helps you measure your organization’s procure-to-pay processes and benchmark the results against other organizations. Calculates the financial benefits gained from eliminating costly purchase order and invoice processing. Ideally suited for collaborative use with a commercial banker at your financial institution, but user-friendly enough to be completed in-house.
  • Procure-to-Pay Management Tools CD-ROM: Provides a set of tools and templates for maximizing the functionality of your Procure-to-Pay policies and procedures.

Need further assistance with Visa Government products and solutions? Email us at: For questions regarding disputed transactions or other issues with your current card activity, contact your issuing bank.