Commercial AP

Pay With Efficiency


More Than a Card

City National Bank's Commercial AP, an industry-leading ePayables tool, offers more to your business than traditional card programs alone. Leverage virtual card technology, optimize and secure your payments strategy, and enjoy the concierge-level service you have been missing from other providers. 



The ExactPay feature allows the buyer to control the amount that the supplier can charge - down to the penny.

No Disruption

No Disruption

Keep your current payment approval processes the same, but reduce your costs when you implement our streamlined tools.

Revenue Share

Revenue Share

Earn and redeem cash rebates on your AP spend and reinvest these savings back into your business.

Vendor Participation

Vendor Participation

Our Supplier Enablement team works with your vendors to enroll as many as possible with your payments.




How it Works

Streamline Procurement | Increase Productivity | Maximize Working Capital

Upload a list of your unpaid invoices to Commercial AP directly from your ERP or accounting system. 


A secure email is sent to each supplier with a virtual card number and remittance information. 


Your supplier charges the virtual card number for the invoiced amount. 


The payment posts to your Commercial AP account for your review. 



Are you spending 70% more time on your card payments than you should be?

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First American Commercial Bancorp, Inc. is a wholly-owned subsidiary of City National Bank. Deposit products and services are offered by City National Bank Member FDIC. City National Bank is a subsidiary of Royal Bank of Canada. For California clients: Loans made or arranged pursuant to a California Finance Lenders Law license. All trademarks are the property of their respective owners. Additional terms apply and can be found by visiting

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