White paper
Visa SEaaS helps you identify, target and convert suppliers at scale, turning untapped payments into measurable card growth.
Find out how you can realize the value of commercial cards as one of the best ways to pay and be paid.
Your challenge
Commercial purchasing and payments are fundamentally different from consumer experiences, which may present unique challenges to B2B suppliers.
Our solution
Visa helps suppliers realize the value of commercial card acceptance and how commercial cards can make payments faster, easier and more efficient.
Buyer landscape ~50% of surveyed B2B buyers in North America use commercial cards to optimize working capital¹
Buyer advantage 69% of North American respondents who use B2B commercial cards cite more secure transactions and fraud protection as their primary reasons for doing so¹
Supplier perspective ~70% of surveyed suppliers cite perceived cost as a reason not to accept card payments²
Supplier opportunity (estimated) 2.3x greater benefits than costs of card acceptance.³
Commercial cards can make payments and collections faster, easier and more convenient.
Learn more about how commercial cards can offer operational efficiencies and working capital benefits.
Helping a B2B workwear supplier unlock the full value of commercial card acceptance
Read the latest Visa reports, case studies and thought leadership about the future of B2B payments and card acceptance.
ARTICLE
Expect more with commercial card acceptance
Learn how commercial card acceptance is opening the door to new opportunities, greater efficiency and sustained growth for suppliers around the globe.
White paper
Empower the B2B ecosystem with a value-centered approach
Case study
Find out how Ocean Network Express (ONE), one of the world’s largest container shipping companies, partnered with Visa to integrate B2B card payments into its ONE Finance portal.
White Paper
The power and ease of card acceptance can help you unlock transaction profitability.
Case Study
Find out how Cannonball Creative, a U.S.-based supplier, streamlined operations and boosted revenue with commercial card acceptance.
Research
2024 research reveals a value-centric approach could foster supplier acceptance and promote greater card usage among buyers.
Article
Accelerate payments, generate cost savings and drive growth by using card as a collection tool.
Learn how you can realize the benefits of card payments.
What are the key differences between commercial purchasing/payments and consumer experiences?
Commercial (B2B) purchasing and payments can be more complex, controlled, and relationship-driven than consumer (C2B) experiences, which prioritize speed and simplicity. B2B purchases typically involve multiple stakeholders, longer decision cycles, negotiated pricing, formal contracts and invoicing with delayed payment terms with user experiences optimized for accuracy, reporting, and system integration. In contrast, C2B purchases are usually made by a single decision maker, paid immediately via cards or digital wallets, priced uniformly, and designed for low friction, fast checkout
What are the most common misconceptions associated with commercial card acceptance?
A common misconception is that accepting commercial cards is both more expensive and more complex than traditional B2B payment methods like checks, ACH, or wire transfers, when the opposite is often true in practice. Although card processing fees are more visible, they frequently compare favorably once merchants account for the hidden costs of manual invoicing, check handling, exception management, payment follow-up, and delayed cash flow associated with non card methods. Likewise, commercial card acceptance typically does not require a heavy or bespoke setup; most payment platforms and banks already support it, and enabling cards is often simpler than expected. When evaluated end-to-end, commercial cards can reduce operational burden and improve working capital relative to legacy B2B payment rails.
What are the typical benefits of accepting commercial cards?
Visa-commissioned research has identified four core benefits of commercial card acceptance: increased gross revenue, reduced financial losses from bad debt and fraud, faster access to working capital through reduced days sales outstanding (DSO) and improved operational efficiencies. Overall, our research found that modernizing payments with commercial card acceptance can turn a cost center into a growth driver.
How can businesses get started with commercial card acceptance?
When you’re ready to start accepting commercial cards, please contact Visa B2B Acceptance Team.
Sources/Footnotes/Disclaimer
- Based on survey carried out in North America, amongst 334 B2B buyers. Drive Commercial Card Growth with Custom Interchange – Empower the B2B payment ecosystem with a value centric approach. Commissioned by Visa and conducted by Forrester Consulting, September 2024.
- According to a global study by Institute of Commercial Payments, which interviewed buyers, indicates that by far the most commonly found resistance factor from suppliers relates to transaction acceptance fees. When asked ‘What reasons do suppliers give for resisting or not accepting your P-Cards/One Cards?’, 71% of respondents stated high fees as the major challenge. Institute of Commercial Payments Commercial Payments Supplier Acceptance Report, 4th Edition. ©2023 Institute of Commercial Payments All Rights Reserved.
- According to a study conducted in North America by Forrester Consulting, the three-year ROI of Commercial Card Acceptance is 132% for a composite organization. The Total Economic ImpactTM of Commercial Credit Card Acceptance: An Update, Forrester Consulting. Commissioned by Visa. Originally published March 2021, updated June 2024.