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

1. 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.
2. 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.
3. 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.
4. 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

Securing Your AP Payment Mix

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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

1. 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
2. Gartner. (2023). Supplier Adoption of Virtual Cards. Retrieved from https://www.gartner.com/
3. PwC. (2023). Efficiency Gains in AP Management. Retrieved from https://www.pwc.com/