Monetizing Your AP Payment Mix

Turning Accounts Payable Into a Strategic Revenue Generator
In a rapidly evolving financial landscape, forward-thinking companies are finding ways to transform AP from a cost center into a revenue generator. Monetizing your AP payment mix involves strategically managing payments to unlock revenue-sharing opportunities and supplier discounts.
Why Monetization Matters
Revenue-sharing models embedded in AP payment systems enable organizations to maximize their financial outcomes. By leveraging digitized payment solutions, businesses can achieve strategic growth.
- Finexio's Card by Mail virtual card innovation consistently achieves supplier acceptance rates surpassing 60% of total spend—outperforming traditional virtual card benchmarks.1
- Companies using digitized AP systems have seen 4x higher adoption of strategic payment methods among suppliers, unlocking greater financial value.²
- Businesses can achieve a 35% reduction in time spent on AP management tasks, freeing up resources for strategic priorities.³
Steps to Monetize Your AP Payment Mix
- Increase Virtual Card Adoption
Virtual cards are an excellent vehicle for monetization. By increasing their adoption among suppliers, your organization can:- Generate revenue share on supplier spend.
- Gain control over transaction-specific parameters.
- Accelerate payments to suppliers without impacting working capital.
- Reduce fraud risk by eliminating paper checks and static account numbers.
- Improve reconciliation with enhanced remittance data and transaction-level detail.
- Optimize Payment Timing
Implement payment schedules to maximize early-payment discounts while avoiding late fees. Advanced analytics tools help identify the ideal timing for each transaction. - Collaborate With Suppliers
Communicate the benefits of virtual cards and ACH transfers to your suppliers. Highlight the reduced risk, faster payments, and lower processing costs they offer. - Leverage Technology for Transparency
Use a platform like Finexio to provide real-time data on payment incentives and cash flow, ensuring you capture every possible revenue-sharing opportunity or discount.
The Outcome
Strategically monetizing your payment mix can generate significant revenue, enhance supplier relationships, and contribute to overall financial resilience.
Learn more:
Optimizing Your AP Payment Mix
Why Finexio?
Finexio is the only purpose-built platform for embedded payments and the only company that has an AI-backed $1MM payments fraud loss recovery solution for optimizing, monetizing and securing AP payments.
Ready to transform your AP process?
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Sources
- Finexio. (2025). Finexio Expands Frictionless Card by Mail Solution, Driving 60%+ Virtual Card Acceptance. https://www.newswire.com/news/finexio-expands-frictionless-card-by-mail-solution-driving-60-virtual-22560709
- Gartner. (2023). Supplier Adoption of Virtual Cards. Retrieved from https://www.gartner.com/
- PwC. (2023). Efficiency Gains in AP Management. Retrieved from https://www.pwc.com/
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