The rebate gap in your commercial card program isn't a card problem. It's a supplier activation problem. Your bank sold you the program. Nobody built the outreach layer. We did.
The Real Problem
These aren't supplier problems. They're infrastructure problems. The card program works — the activation layer was never built.
They sold you the program, set up a landing page, sent one welcome email from a no-reply address, and called it onboarding. Suppliers never received a compelling reason to change payment terms — from someone they actually recognize.
Supplier enrollment ended up in AP's lap — a team hired to process payments, not run outreach campaigns. They send a few emails, get ignored, move on. The supplier list grows. The activation rate doesn't. Nobody in AP was ever going to fix this.
Suppliers aren't resistant to accepting virtual cards. They're resistant to accepting virtual cards from vendors they don't recognize. When the outreach looks like it came from their customer — not a third party — open rates triple and objections disappear.
Done For You As You™
The outreach goes from your domain, your AP team's name, your relationship with the supplier. We build and run it. Your team does nothing.
How It Works
You provide the data. We run the engine. You collect the rebates.
Share your accounts payable spend file. We ingest, deduplicate, and enrich it within 48 hours. No custom integration required — a standard export from your ERP is enough.
We identify your current card adoption rate, calculate your rebate gap, and surface the top 20–30 suppliers that represent 80%+ of your activation upside — your Power Curve targets.
Outreach sequences go live from your company email domain. Your AP team's name is on every message. Suppliers see an email from the company that pays them — not from a vendor platform.
Inbound supplier responses are tracked and routed. Objections are handled with pre-built sequences. Stalled suppliers get re-engaged when our signal engine detects a new trigger event.
Suppliers enroll and begin paying their invoices by virtual card. The Campaign Hub™ tracks activation events by supplier, by dollar amount, and by attribution window — auditable by your issuer.
Rebates accumulate quarterly. B2B Activate invoices a percentage of what you earned — nothing more. Your Activation Attribution Report shows exactly which suppliers we converted and when.
The Math
Run these numbers against your own program. The gap is almost always larger than it feels.
Not your numbers? Use the Rebate Gap Calculator to run your actual AP spend, industry, and adoption rate in 2 minutes.
The Options
Manual, outsourced, or engineered. The economics of each are not close.
| Manual (AP Team) | BPO / Outsourced | B2B Activate | |
|---|---|---|---|
| Upfront cost | $0 + internal labor | $50K–$150K flat | $0 — results only |
| Pay structure | Always (salaries) | Upfront regardless of outcome | % of rebates earned |
| Outreach origin | Your domain, manual | ✕ Vendor domain | ✓ Your domain, automated |
| Follow-up persistence | ✕ Stops when AP moves on | Limited sequences | ✓ Evergreen, never goes cold |
| Supplier data enrichment | ✕ None | Basic firmographic | ✓ 7 live signal triggers |
| AP team lift required | ✕ High — it's their job | Medium — coordination | ✓ Zero |
| Attribution + reporting | ✕ Spreadsheet | Monthly PDF | ✓ Live dashboard, auditable |
| Conversion rate vs. industry | At or below average | Marginal improvement | 2–3× industry rate |
| Risk if it doesn't work | Ongoing labor cost | ✕ Full fee, no recovery | ✓ Zero — you don't pay |
What's Under the Hood
Every campaign sends from your company's own email domain, your AP team's name, your existing supplier relationships. Suppliers respond to their customer — not to a vendor they've never heard of.
0.8% of your supplier base drives 51% of your activatable spend. We identify that 0.8% first — not by guessing, but by scoring every supplier against your actual payment history and industry benchmarks.
Traditional activation campaigns run once and go cold. Evergreen Enablement means every supplier that doesn't convert today gets re-entered into the queue when a new trigger event fires — contract renewal, leadership change, earnings release.
Seven external signal triggers tell us when a supplier is most likely to engage: staff changes, earnings announcements, contract renewals, facility expansions, acquisition activity, earnings guidance, and payment behavior shifts.
Your highest-value suppliers are too important for automated sequences alone. Golden Glove routes premium supplier targets to dedicated reps who manage the relationship across multiple buyer programs simultaneously.
One dashboard replacing the seven fragmented tools most treasury teams are using today. See your activation rate, rebate accrual, supplier pipeline, and attribution data in a single pane of glass — in real time.
Pricing
B2B Activate earns a percentage of the incremental rebates generated from spend we activate. If we don't activate suppliers, our invoice is zero.
We earn a percentage of the rebates generated on spend that B2B Activate activated. Nothing on rebates you were already earning. Only the new money.
Common Questions
Upload your AP spend file. We'll identify your top activation targets and run the gap math within 48 hours. No commitment required.
Zero upfront cost. Pay only on rebates you earn. Cancel anytime with 30 days notice.