A partial list includes:


EnCompass is provided as an Application Service Provider (ASP) solution, hosted on our secure servers. Full redundancy is offered through use of a back-up site.

You and your clients access EnCompass using any standard web browser, from anywhere at any time. Neither you nor your clients need to install and maintain any software or undertake card industry security compliance audits.




Our business model encourages rapid and timely response to your development requests. And our technology and application architecture support this. Enhancements and changes can be made in weeks, not months and years. As your customers' business requirements grow and evolve over time, EnCompass allows you to grow with them.


Each of your customers is unique and has different policies, needs and levels of sophistication. All EnCompass features are highly configurable, allowing your customers to use their own:

• approval and accounting hierarchies,
• security policies (password length and expiration),
• user roles,
• reports,
• GL, cost center and project codes

EnCompass can be used for Purchase, Fleet and Travel cards – and "one card", or multi-application, programs as well.

It accepts a virtually unlimited number of inputs from the Card Associations, Fleet Programs, Corporate Travel Programs, Payables applications, and even specialized applications such as vouchering and other situations requiring unique business rules.

In all cases your customers will be able to control purchases, validate activity, produce standard or ad hoc reports, and feed enterprise and accounting systems from one tool.




EnCompass is designed with an intuitive user interface that allows even first-time or casual users to accomplish what they need to quickly and easily. Each user is presented with only the menus and options required for them to do the tasks they are authorized to perform.


EnCompass has a workflow engine which allows companies to define approval and accounting processes that reflect their specific policies and procedures. Users can create hierarchically organized "packages" such as expense envelopes, statements, purchase journals and other processes that allow secondary approval - or card creation and limit changes - prior to being paid or completed.

The workflow module is scalable to fit the needs of any organization, large or small, and can be tailored to include cost centers, project codes, G/L and other codes and descriptors specific to each of your customers. It offers:

• Client-defined organization hierarchy that is independent of platform
• Client-defined approvals /declines, based on:
• Defined thresholds
• Dollar amount
• MCC
• Business rule-driven (post-transaction) to complete journalization
• Ability to create, edit and delete organization hierarchy roles
• Email notification of new events requiring approval

Pre-built workflow modules included with EnCompass include:

Purchase Manager
Expense Envelope
Reconciliation Manager

EnCompass provides your clients the ability to manage their cards in real-time; to change limits, modify permissions and privileges, and perform a number of other tasks immediately, in real-time, without the need for system cycling.

Imagine being able to adjust a spending limit for an employee while he or she is standing in front of the vendor. Need a report showing authorization activity as of ..."Right Now?" No problem.

Real-time capabilities include:

• Creating new cards
• Activating and canceling cards
• Changing card functions
• Demographics
• Spending limits
• MCC restrictions
• Viewing real-time status
• Balances
• Authorizations (not yet posted)
• Declines
• Managing Point-of-Sale issues

EnCompass provides far more than just a "standard" reporting module. By allowing virtually unlimited data feeds we provide users with the ability to go far beyond the offerings in the marketplace today. Starting with a true "pick and click" ad-hoc report wizard, users can easily create custom reports that provide meaningful data and not be limited to a "one size fits all" approach.

The Reports Module contains three primary segments. My Reports are templated, customized reports, saved and accessible to authorized users. Company Reports are broader, enterprise-specific outputs. You can also provide Standardized report offerings that contain often-used data elements in predefined layouts.

EnCompass has the ability to drill down into transactions and reveal Level III details, summarization of transactions, card issuing and cancellation history as well as a complete and user audit that tracks all changes in the system. All reports are exportable in a variety of formats such as Excel, comma and tab delimited text. Scheduling allows authorized users to "order" reports that are provided in the format and frequency required, with the ability to edit and change delivery time and type as needed.

In summary, EnCompass allows your client to get their data when they want it any way they want it.

• Reports support a large audience, including:
• Accounting Reports – automated feed to internal systems on a scheduled basis
• Managerial Reports –review and analyze data on demand
• User Reports – used internally to manage cardholders and used by cardholders to manage reconciliation, etc.
• Transaction Reports– real-time data used to manage fraud, etc.
• Reports can be predefined at the following levels or ad hoc:
• Bank defined
• Company defined
• User defined
• Ad-hoc
• MCC Group focused
• Delivery methods include:
• FTP
• e-Mail
• Web
• Timing
• Scheduled – reports are created and delivered at the scheduled time
• On-demand Transaction Management

While the bank's issuing platform offers a "card hierarchy", in many cases it may not truly reflect your client's organization and accounting structure. Recognizing this, EnCompass allows users to develop a client-specific hierarchy that can be mapped against the processor hierarchy to more accurately track transactions, cardholders and other program participants for reporting purposes.

Administrators are given the ability to add, delete or move personnel in the user's organizational hierarchy. Statistics and data for monthly, quarterly or annual spending and user history are based upon the true organizational structure of the company.