P-Cards Case Study

P-Cards works best with the Category C suppliers where the frequency and the size of the transaction are low and the departments served or the users served are high. Each user or the department transacts with the supplier based on its feasibility and pays for the purchases through the cards issued to them by UVic. The nature and the frequency of the transactions are not constant at UVic hence incorporating any other system or payment method would not be financially feasible.
The situation with the category A & category B suppliers is not same. The frequency of the transactions by these suppliers is high. Users or departments served may go high i.e. Category B or same users or departments are served with relatively high frequency i.e. Category
Payments using the Ghost cards account suits best to these transactions.
Ghost cards are simply account numbers linked to high-limit charge account an organization uses to conduct a high number of transactions (Dragiff, M. 2012). These account numbers can be issued to a user or the department when the transactions are required to be charged back to the department or can be issued to the specific supplier or to all suppliers of specific supplier type (e.g. office suppliers or Laboratory suppliers) for the on-going use.
A ghost card resolves some of the issues associated with the regular P-Card. When the frequency of transaction with a particular supplier increases, a ghost card account number may be created to reduce invoices and improves purchasing efficiency.
Category A suppliers with the high frequency of transactions and limited departments, a ghost card account numbers can be issued to the department or employees so that the purchases can be charged back to the department. Category B supplier with the high frequency of transactions and large number of departments served, a ghost card account number can be created for the supplier to track the purchases and charge the department responsible for the