How to Optimize, Monetize, and Secure Your AP Payments Strategy

May 22, 2025

Your Payments Mix Is Strategic—If You Treat It That Way

AP leaders are being asked to do more in 2025—prevent fraud, reduce costs, enable suppliers, and generate value. At the center of that transformation lies an often-overlooked lever: Your payments mix.

While the B2B payments landscape is evolving, it's not moving fast enough. The majority of organizations still use checks. ACH continues to grow but is now a prime target for fraud. Virtual card acceptance is growing rapidly but they remain underused, despite offering powerful advantages in security and monetization.

We've taken a look at the latest 2024–2025 data on payment method usage and risk, highlighting both urgent threats and transformative opportunities. As you'll see, now is the time to:

• Optimize your payments for efficiency
• Monetize your spend with card-based rebates
• Secure your payment flows against escalating threats
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The U.S. B2B Payments Mix in 2025: Still Heavy on Risk

Despite Digitization, 91% Still Use Checks:

Fraud in Focus: A Growing, Evolving Threat

If your organization hasn't already been impacted by payments fraud, it very well could soon be:

79% of organizations experienced actual or attempted payments fraud in 2024
63% were targeted via check fraud, unchanged since 2020
63% of companies experienced BEC-related fraud
Wire transfers are now the #1 target for BEC fraud (63%)
ACH debit fraud impacted 38% of organizations
Only 35% detected fraud within one week; 25% took over a month -- the remainder took much longer
Mail-theft check fraud caused up to $668 million in losses in six months

Take Control of Your Payments Mix—Before Fraud Does

If your organization still relies on checks—or if you’re not confident in your fraud defenses—what are you waiting for?

Now is the time to act. Your payments mix can either expose your business to unnecessary fraud, cost, and inefficiency—or become a source of value, speed, and security.

Make Your AP Payments Work Harder for You

Your payment methods matter more than ever. Whether you’re trying to eliminate fraud, increase cash flow, or reduce operational burden, optimizing your payments mix is the fastest path to value.

Finexio helps finance teams shift away from paper-based inefficiencies toward secure, fully managed digital payments—so you can focus on strategy, not operations.

Talk to an expert to see how embedded payments can unlock time savings, supplier satisfaction, and bottom-line results.

Why Finexio?

Finexio is the only purpose-built platform for embedded payments and the only company that has an AI-backed payments fraud guarantee solution for optimizing, monetizing and securing AP payments.

Ready to transform your AP process?