Card services


Business Plus Card1
Western Alliance Bank Business Plus Card

Ideal for small businesses looking to make purchases, pay invoices, manage business and travel expenses and more.

  • Earn points toward cash back, travel, merchandise, gift cards and more2
  • View all transactions for all purchases on one easy online statement
  • Manage cash flow with a minimum payment, no annual fee, foreign transaction fee or over limit fees3
  • Easily transfer your current credit card balances to Business Plus by Phone
  • Transfer current balance to Business Plus
  • Control and manage your card program online with eZBusiness

1. All offers of credit are subject to credit approval. Refer to terms and conditions for additional information. This card is issued by Western Alliance Bank and its divisions pursuant to a license from Visa USA Inc.
2. Rewards reflect net eligible purchases and are subject to change.
3. Currency conversion exchange rates apply.

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Commercial Card1
Western Alliance Bank Commercial Card

A convenient payment solution that enables you to effectively manage your business.

  • Reduce back office expenses by paying suppliers with the Commercial Card
  • Control and manage your card program online with eZBusiness
  • Enable online payments securely
  • Pay ongoing monthly expenses on a virtual card
  • Decrease manual expense reporting accuracy by automatically uploading card activity into your expense management system

1. All offers of credit are subject to credit approval. Refer to terms and conditions for additional information. This card is issued by Western Alliance Bank and its divisions pursuant to a license from Visa USA Inc. Currency conversion exchange rates apply.

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Commercial Plus Card1
Western Alliance Bank Commercial Plus Card

Enjoy the same benefits of the Commercial Card while your organization and employees earn rewards on qualifying purchases.

  • Reduce back office expenses by paying suppliers with the Commercial Card
  • Control and manage your card program online with eZBusiness
  • Enable online payments securely
  • Pay ongoing monthly expenses on a virtual card
  • Earn points toward cash back, travel, merchandise, gift cards and more2
  • Decrease manual expense reporting accuracy by automatically uploading card activity into your expense management system

1. All offers of credit are subject to credit approval. Refer to terms and conditions for additional information. This card is issued by Western Alliance Bank and its divisions pursuant to a license from Visa USA Inc. Currency conversion exchange rates apply.
2. Rewards reflect net eligible purchases and are subject to change.

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ONE Card1
One Card

Designed for larger organizations with a significant amount of business purchases and travel, this payment solution combines purchasing management and business travel expenses all with one program, one process and one issuer.

  • Combine and simplify all business and travel expenses on one program
  • Eliminate manual processes and improve expense reporting
  • Control and manage your program online with eZBusiness
  • Contactless technology enables easy and secure cashless payments
  • No annual fee
  • Earn a cash rebate on eligible spend

1. All offers of credit are subject to credit approval. Refer to terms and conditions for additional information. This card is issued by Western Alliance Bank and its divisions pursuant to a license from Visa USA Inc. Currency conversion exchange rates apply.

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Payroll Cards

Easy-to-manage and cost-effective, a payroll card program can enhance the productivity of your payroll department and is a convenient way for your employees to be paid. Western Alliance’s Skylight PayOptions Payroll Card* program provides an innovative way for your organization to implement a payroll system that is 100% electronic, reduces costs and increases employee satisfaction:

  • Provides an easy way for your employees to access their funds, because instead of paper checks, employees can receive their pay via direct deposit to a Visa® debit card.
  • Ensures that employees receive their payment on time, every time – even if there’s an office closure or natural disaster.
  • Saves money by replacing paper payroll checks and all associated production, delivery and fraud-protection costs.
  • All employees are eligible, regardless of credit history.

* Skylight Pay Options Payroll Card is provided by NetSpend®, division of Global Payments, which is not affiliated with Western Alliance Bank or its divisions. Applicable fees may be charged by NetSpend or Global Payments separately from any fees assessed by Western Alliance Bank.

Merchant Services

Western Alliance Bank’s merchant services offer innovative payment and point of sale solutions through our vendor, Heartland®*, one of the nation's leading providers. Heartland can help you streamline operations, increase productivity and make payments easy for your customers.

Acceptance of all major credit, debit and prepaid cards, plus ACH processing and check verification, which allows your customers to select and pay with any major card brand or type of payment at the point of sale. Customized merchant services payment processing offered through Heartland.

  • Access multiple authorization networks and transaction processing options.
  • Options are available to rent card processing equipment and more.
  • Enjoy increased data security, PCI and regulatory support.

*Merchant Services are provided by Heartland® in agreement with Western Alliance Bank. Merchants on certain processing programs are not eligible for next-day funding; funding may be delayed by Heartland® Credit or Risk departments at any time. Heartland® is a federally registered service mark of Total System Services, Inc. EMV is a registered trademark or trademark of EMVCo LLC in the United States and other countries. All trademarks contained herein are the sole and exclusive property of their respective owners. Any such use of those marks without the express written permission of their owner is prohibited. Heartland Merchant Solutions is a registered ISO of Wells Fargo Bank, N.A., Concord, CA; Synovus Bank, Columbus, GA, First National Bank of Omaha, Omaha, NE; and Deutsche Bank, New York, NY for Visa and MasterCard transactions only.

Heartland offers NFC enabled POS systems, but a POS upgrade is not necessary to enable merchant service payment processing.