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Product Portfolio


 

 

 

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Product Portfolio


 

 

 

 

PAVOCARD digitalizes theprocesses for cashless payment between employer and employee.

PAVOCARD digitalizes theprocesses for cashless payment between employer and employee.

PAVOCARD has set itself the goal to optimize, all together with employers and employees, your administration and the use of tax-optimization. A special focus is on the simplification and full-scale digitalization of administrative processes and everyday use. Our product portfolio supports these goals:

  • PAVOCARD lunch, because paying digital is simply smarter.
  • PAVOCARD Reward, because appreciation is really recognized.
  • PAVOCARD Expense, because business travel should be more comfortable.

If you have any questions, our team is at your disposal. Just send us your personal inquiry.

 
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PAVOCARD LUNCH


PAVOCARD Lunch

PAVOCARD LUNCH


PAVOCARD Lunch

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PAVOCARD Lunch

Allow your employees a whole new sense of freedom when choosing the restaurants for their lunch break.

With PAVOCARD Lunch, we offer an innovative product that increases employee satisfaction and simultaneously is an instrument for saving taxes and social contributions. On request, your employees receive a MasterCard with your company CI and logo on it. This card can be administered, charged and blocked independently by your company. 

All relevant tax authority and accounting information can be viewed and used live through the management portal.  You can manage all employees centrally and easily with one single login. The employees do not have to order, pick up or carry a voucher. 

PAVOCARD lunch, because digital payment is just smarter!

  • Up to 126 € per month in Germany and 216 € per month in Luxembourg per employee
  • Flexible money and card management
  • Minimal administrative effort
  • One-Click charging and one-touch payment
  • Regardless of location
  • No limited partnerships
  • Fits in any wallet
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PAVOCARD REWARD


PAVOCARD Reward

PAVOCARD REWARD


PAVOCARD Reward

PAVOCARD Reward

With PAVOCARD Reward, you signal your employees personal recognition. It is not just a “thank you” for persistent commitment and willingness to perform, it’s a symbol of appreciation. PAVOCARD Reward ensures that your appreciation is really received.

Whether it’s for weddings, birthdays, births or simply as a sign of recognition at the end of the year, PAVOCARD Reward is the perfect solution for one-off and recurring special payments to employees, partners and customers. PAVOCARD Reward, in particular, enables you to allow these special payments to be tax-exempt or even tax- and social-tax-free.

  • Value estimation simple and digital
  • No patronal costs and minimal tax
  • Plannable budget
  • Reduction of administrative costs

Examples of special payments in Germany:

  • Up to € 252 per year for advertising costs according to § 22 No. 3 EStG
  • Up to € 528 per year as tax-exempt benefits pursuant to §8 para. 2 sentence 11 EStG
  • Up to 348 € annually as tax-free gifts for special occasions
  • Up to € 10,000 per year as a flat-rate allowance according to §37b EStG with a flat rate tax of 30% of the net amount
  • Up to € 600 per year for employees' telecommunication expenses

Examples of special payments in Luxembourg:

 

Advertising costs up to € 540 per year

  • Travel expenses up to € 2,574 per year
  • Tax-free gifts up to € 1,500 annually
  • Tax-free gifts for special occasions:
  • Up to 2,250 / 3,400 / 4,500 € with a company affiliation of 25/40/50 years
  • Up to € 1,120 per 25 year company anniversary
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PAVOCARD EXPENSE


PAVOCARD Expense

PAVOCARD EXPENSE


PAVOCARD Expense

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PAVOCARD Expense

PAVOCARD's Expense Card gives you and your employees a maximum of independence in everyday business. When reserving trips, rental cars or other errands necessary for the job, every employee has at any time the option to use the MasterCard, administered by the employer. 

Administrative and time-consuming travel expense statements are greatly simplified because the employee does not have to use his private credit card. In addition, this increases the company's commitment to the company. 

As an employer, you can provide as many cards as you need to your employees and manage them via a centralized system. A personal budget can be made available to each employee, which is available for a certain period of time. Ideal for field staff, consultants and professional groups with high travel expenditures.

  • Flexible money and card management
  • Minimal administrative effort
  • Independent of location
  • Rechargeable at any time
  • Always under control by employer