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For suppliers — AR · Credit · Collections

Get paid faster.

Accept card the right way and your DSO drops, your 90+ aging and write-offs head to zero, and reconciliation stops being manual — net cost 12–82 bps, not the 3% you're picturing.

See the case for card Calculate your net cost

Net cost in basis points, not 3%.  Cash in the bank roughly two weeks sooner, reconciled straight through.

Go straight to your role

Every 30 days you wait, you're financing your buyer's invoice for free.

Keep more of every paymentNet cost 12–82 bpsFor the CFO / owner — not the 3% you fear. Get paid fasterDSO ↓For AR & Collections — aging heads to zero. Kill the manual keyingStraight-through to ERPFor IT — card posts itself; we do the lift.

Built for the office of the CFO — AR, Credit & Collections.

Paid ~15 days faster 12–82 bps net cost Straight-through to ERP No manual card keying

The reframe

The real barrier is reconciliation, not fees.

You've said no to card because of the 3% — but that's not actually why card hurts. The pain is the single-use virtual card landing in an inbox and getting manually keyed, every time. Card isn't expensive — it was just set up wrong. Make remittance flow straight through and the objection disappears.

Cite reconciliation as the barrier
78%

Manual reconciliation — keying cards by hand — is the friction that kills acceptance.

Cite fees as the barrier
32%

Far fewer point to price once the reconciliation is solved. Set it up right and card pencils out.

By altitude

What changes, depending on where you sit.

The same straight-through acceptance shows up differently for the people who run AR, the owner watching cash, and the team wiring it into the ERP.

AR · Credit · Collections

The aging report stops haunting you.

Card-on-file acceptance pulls cash forward and clears the buckets that eat your week.

  • DSO drops ~15 days as buyers pay on card instead of net terms.
  • 90+ aging and write-offs head to zero — fewer dunning cycles, less chasing.
  • Reconciliation runs automatically — no manual matching, no keying.
Supplier CFO · Owner

Stop financing your buyer's receivable.

On net-30 you're effectively lending your buyer the cash for ~45 days. Card ends that.

  • Card moves the receivable off your books and accelerates the cash.
  • Working capital you were extending for free comes back to the business.
  • Net cost in basis points beats the carry of waiting on a check.
Supplier IT

No card keying — straight into your ERP.

Remittance and card data flow straight through. No one types a 16-digit number into a terminal.

  • Straight-through processing into the systems you already run.
  • We do the integration lift — your team isn't building the rails.
  • Acceptance that sticks because it never created manual work.

The net-cost math

Set up right, card is cheaper than the check.

Most suppliers price card against the gross discount rate and stop there. Net the acceleration of cash against it and the picture flips. Here's the math.

82 bps

Net effective card cost when you're accelerating cash 15 days at net-30 — the carry you save offsets most of the rate.

Source: Visa Commercial Solutions © 2023
12 bps

Net effective card cost on longer terms, where the cash acceleration is worth even more relative to the rate.

Source: Visa Commercial Solutions © 2023

Versus the alternatives. Check and ACH aren't free — they carry float, handling, and exception cost that card doesn't.

Check / ACH cost192–316 bps
Card, set up right12–82 bps
Source: Visa Commercial Solutions © 2023

Done for you — and it comes from your buyer.

This isn't a spoofed third party cold-calling your AR team. The outreach is branded as your buyer, the company you already do business with, running their enablement program in-house. You're being invited to get paid faster by a customer you already trust — not sold to by a stranger.

Get paid sooner, at a cost that actually pencils.

Bring us your terms and your aging. We'll show you what straight-through card acceptance does to your DSO and your net cost — then do the integration lift with you.

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