Commercial Account
A business-controlled prepaid or spending account, typically distributed to employees or customers of the account owner, often with spending limits.
Definition
A commercial account is a payment account owned by a business that's used by that business's employees, customers, or beneficiaries. It typically has spending limits (daily, monthly, yearly), category restrictions (e.g., meals only), merchant restrictions (specific partner network), and can be topped up centrally by the account owner. Common in B2B2E arrangements: corporate meal programs, employee benefits, fuel cards, expense allowances.
Examples
Employee meal cards ($10/day at partner restaurants)
Corporate fuel cards (per-driver monthly limits at specific stations)
Employee benefit allowances ($100/month for wellness spending)
Contractor expense accounts (project-based budgets)
How 7Konto uses this
7Konto supports commercial accounts with sophisticated rules: per-user limits, per-day and per-month caps, merchant whitelists, product category restrictions, time-of-day restrictions, and automatic monthly top-ups. Employers see aggregated reporting; employees see their individual balances via Wallet.
Learn more on 7Konto
Related concepts you might want to explore
B2B2E
Business-to-Business-to-Employee. A distribution model where a platform provider works with businesses that in turn provide products or services to their employees.
Prepaid Balance
Money loaded onto a customer account in advance, to be spent within a specific merchant or ecosystem.
Closed-Loop Payment
A payment system where funds can only be spent within a defined ecosystem — one merchant, a group of related merchants, or a specific program.
Ready to put commercial account to work?
7Konto is the closed-loop payment platform built for real business use. Free 30-day pilot with full setup and training.