ESP Express with MasterCard® One Card

The one card you need to reduce your costs, improve control and increase efficiency.

Commercial card programs have been widely adopted by organizations resulting in significant benefits, which include improved process efficiencies and spend controls. Companies frequently use multiple card programs to pay for different expense categories – for example procurement and travel and entertainment. Some organizations, however, are adopting a one card concept – a flexible, integrated commercial card solution that can potentially reduce administrative costs, streamline accounting, improve spending controls and increase efficiencies.

ESP Express® is designed specifically to meet the needs of small to medium sized companies that want to gain process efficiencies and increase their program spend. It offers standard features required to manage a card program within an online application. Additionally, you will enjoy the convenience of a combined Corporate and Purchasing card with our MasterCard®-branded Commercial One Card.

To speak with a SunTrust representative call 866.448.6394.

View the ESP Express demo here.

  • Features You Need

    • Optimize your card program while managing risk

      • Set spending limits for specific purchases and vendors
      • Minimize risk with a liability waiver program protecting you from employee misuse up to $100,000 per employee1
      • Earn a competitive annual rebate based on low annual spend thresholds2
  • Cardholder Benefits

    • Convenience and more for your employees

      • Convenience of one card to cover virtually all approved business expenses including travel, entertainment, and procurement
      • $500,000 travel accident insurance coverage3
      • Chip technology that improves card and transaction security and enhances acceptance around the world
  • Online Management

    • Tools to run your Commercial One Card Program

      • Gain greater control and visibility over expenditures with enhanced reporting enabling better management of cardholder spending
      • View and pay your bill easily from the ESP Express home page
      • Take advantage of online training and support tools included with the online management tool
  • Chip Technology

    • Using cards with chip technology

      • Cards with chip technology, also known as EMV cards (which stands for Europay, MasterCard®, and Visa, the organizations responsible for developing the standard), contain an embedded microchip which makes the cards difficult to copy or counterfeit, and are already in wide use around the world.
      • Cards with chip technology work the same as your existing magnetic stripe card. However, instead of "swiping" your card, you will insert it into an EMV – capable terminal and enter a Personal Identification Number (PIN) to complete your transaction. If the PIN does not match the one encoded on the chip, the transaction is canceled, protecting you and your company from unauthorized purchases. For terminals not equipped with a slot for chip cards, the card can be swiped as normal to make a payment.

      Below is a brochure containing diagrams and instructions for using the new cards:
      How to use cards with chip technology – MasterCard


1 Coverage provided under the Network Corporate Waiver Protection Program, and certain conditions and limitation apply. Please consult your Commercial One Card Agreement for details.

2 For companies with $240,000 or more in annual spending on the SunTrust Commercial One Card.

3 Certain conditions and limitations apply that are detailed in the Guide to Benefits.

SunTrust Bank, now Truist Bank, Member FDIC. © 2019 Truist Financial Corporation. SunTrust®, Truist, ESP Express, and the SunTrust logo are service marks of Truist Financial Corporation. All rights reserved. All other trademarks are the property of their respective owners.


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