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Find out how much your card program is leaving on the table.

Takes under 3 minutes. Your results are based on real industry propensity benchmarks — not vendor estimates.

Step 1 of 5 — Program Status

Let's start with your current program.

This helps us personalize the results for your situation.

Does your company currently have a virtual card or commercial card program?
Who manages your AP and card program?
What is your primary card type?

Tell us about your AP spend.

These are the core inputs for your rebate gap calculation.

What is your total annual AP spend? ?Include all vendor payments — not just those currently on card. This is your total accounts payable outflow for the year.
$
Please enter your total AP spend (minimum $1M)
What percentage of that spend is currently processed on a virtual card? ?If you're not sure, 10–20% is typical for programs under 3 years old. Enter 0 if you're not yet live.
0% 15% 95%
Currently on card —
Approximately how many vendors are in your AP file? ?Total active vendors paid in the last 12 months. Include all suppliers, contractors, and service providers.
Please enter your number of active vendors

Now let's look at your program economics.

We'll model how higher card spend affects your blended rebate rate.

What is your current card rebate rate? ?The percentage your issuing bank pays you on card spend. Typical range: 0.80%–1.80%. This is usually called your "negotiated rate."
0.50% 1.20% 3.00%

Your bank has likely told you this is your "negotiated rate." We'll model what additional spend does to your blended rate.

What are your current standard payment terms with most suppliers?
What payment terms does your card program offer to suppliers? ?This is what your card issuer pays suppliers when they accept a virtual card. Most programs pay within 1–5 business days.
What is your company's approximate cost of capital? ?Used to calculate the value of accelerating supplier payments vs. extending DPO. Your finance team will have this number. Also called your hurdle rate or WACC.
4% 8% 25%

One more variable that significantly affects your results.

Industry acceptance rates vary by up to 36 percentage points. This makes a material difference to your gap estimate.

What industry are you in?
Please select your industry
Which best describes your supplier mix?

Your results are ready.

Enter your name and work email to unlock your full Rebate Gap Report.

Your annual rebate gap
$—
$—
Additional rebate
—
Suppliers to activate
$—
Working capital upside
Where should we send your full report?
We'll send a formatted PDF breakdown with your numbers and a benchmark comparison.
Please enter your first name
Please use your work email address
Used by Treasury teams at companies managing $25B+ in commercial card programs.
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Your Rebate Gap Report
Your program is leaving
$0

Based on your AP spend and current card adoption rate.

$0
Additional Annual Rebate
Money your bank pays you on new card spend
$0
Working Capital Opportunity
Value of accelerated payment processing on activated spend
0
Suppliers to Activate
Estimated vendors ready to convert based on your industry mix
Your Program vs. Industry Top Quartile
Metric Your Program Top Quartile
% of AP spend on card — —
Annual rebate earned — —
Estimated vendors on card — —

Top quartile benchmarks from B2B Activate campaign data.

What a B2B Activate enablement campaign would recover:
Three activation scenarios based on your program inputs

Conservative assumes 60% of propensity-adjusted addressable spend activates. Optimistic assumes 135% through multi-touch outreach and negotiated supplier terms.

0%
on card today
Your AP spend breakdown

Ready to close the gap?

B2B Activate designs, builds, and runs supplier enablement campaigns on a results-based model. You pay a percentage of the rebate we help you earn — nothing until your spend activates.

Get Your Custom Activation Plan →
Results-based pricing. No activation, no fee. Helped close a $25B virtual card program. Industry: 8–12% activation. B2B Activate: 2–3×.
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