You don't pay until
your rebates grow.

The performance fee is a percentage of the rebates you actually earn from suppliers that B2B Activate activated — not your total card program rebates. Only the new rebates from suppliers who moved from check or ACH to virtual card as a result of our outreach. We track this at the supplier level, and your issuer's reporting confirms the numbers. If a supplier was already on virtual card before we started, that spend is yours — we never take a cut of what you were already earning.

Every supplier we contact is tagged in the platform with a campaign ID and activation date. When a supplier starts transacting on virtual card, we cross-reference their first transaction date against our activation date. If our outreach preceded their enrollment, we attribute the spend. If they were enrolled before our campaign touched them, we don't. We produce a quarterly Activation Attribution Report detailing every attribution — and your issuer can validate against their transaction data. If you believe an attribution is wrong, we have a 15-day dispute resolution process. The issuer's statement is the authoritative source. We never invoice more than what the issuer confirms.

No. Your bank manages the card product and earns interchange — that's their revenue, not yours. The rebate you earn is a separate payment the issuer makes to you based on card volume. B2B Activate's fee comes out of the portion of rebates we generate — rebates that, without our intervention, you would not have earned. The question to ask your bank is: "What percentage of our AP suppliers are currently on virtual card?" If the answer is below 40%, the rebate upside we unlock is incremental to what you're already earning, and our fee comes entirely from that new money.

We don't offer flat-fee engagements as our standard model — a flat fee creates a scenario where you pay regardless of results, which is the wrong incentive structure for both sides. That said, if your treasury team requires a predictable budget line item, we can structure a hybrid: a fixed annual fee for platform access (typically equal to our minimum annual commitment) combined with a reduced performance rate. This gives you budget certainty while still aligning our incentives with your outcomes. Ask about this during your discovery call and we'll model both scenarios side-by-side.

All of your data — your original AP files, the enriched supplier records, your campaign history, your activation reports — belongs to you. At contract end, we provide a full export in standard formats (CSV, JSON) within 30 days at no charge. We retain the right to use anonymized, aggregated data to improve platform benchmarks, but we cannot identify your data in any external context. Your supplier contacts, rebate figures, and program configuration are yours. We're custodians, not owners.