Visa | Commercial Card Acceptance Calculator
COMMERCIAL CARD ACCEPTANCE
Calculate the potential financial benefits
Accepting commercial cards for B2B payments can help your business increase sales, save on operational costs and get paid sooner.
Now you can visualize the potential annual financial benefits for your business when you accept commercial cards for payment.1
Complete the fields below to get started.
Where is your business based?
- Choose your region from the list:
- North America (NA)
- Latin America and the Caribbean (LAC)
- Europe (EU)
- Central Europe, Middle East and Africa (CEMEA)
- Asia Pacific (AP)
What percentage of sales revenue do you anticipate switching to commercial card payments?
What is your current annual revenue (USD)? Use our currency converter
What are your current net payment terms (ACH, A2A, wire, check, etc.)?
- Select average net payment terms (current):
- Net 30
- Net 45
- Net 60
- Net 90
- Net 180
What are your potential payment terms for card acceptance?
- Select average net payment terms (card acceptance):
- Net 1
- Net 5
- Net 10
- Net 15
- Net 30
Calculate
Potential incremental annual benefits
~$50,414
Potential basis point (BPS) increase
| Benefit Type | Value (BPS) | Visual Pattern | Description |
|---|---|---|---|
| Incremental Sales Lift | 69.0 BPS | Dark blue with solid fill | Additional revenue from increased sales volume |
| Net Benefits | 31.8 BPS | Yellow with diagonal stripe pattern | Cost savings and operational benefits |
| Total BPS Increase | 100.8 BPS | Combined visualization | Combined total of all benefits |
Breakdown of potential basis point increases from commercial card acceptance. Total increase: 100.8 BPS.
Incremental Sales Lift: 69.0 BPS, shown in dark blue with solid fill. Net Benefits: 31.8 BPS, shown in yellow with diagonal stripe pattern. Total BPS Increase: 100.8 BPS.
Chart legend: Incremental Sales Lift is represented by the letter b and uses dark blue color with solid fill. Net Benefits is represented by the letter c and uses yellow color with diagonal stripe pattern.
69.0 BPS 31.8 BPS
Incremental sales lift b Net benefits c Total BPS increase 100.8 BPS
How we estimate commercial card acceptance benefits
a. One Basis Point (BPS) = 0.01%
b. Region-average incremental sales uplift from accepting commercial B2B card payments (based on regional independent study), weighted by your % of sales switched to card.
c. Aggregate of (1) operational savings from switching non-card to card (bad debt, third-party financing, BAU AR) plus (2) cash-flow improvement calculated using the study’s region-average cost of capital/borrowing and inflation (no custom rate input), minus card acceptance costs (MDR/processing). Cash-flow is scaled to days saved from your selected terms and the total is weighted by % switched; capped at 200 bps at 100% carded for conservatism. All calculations use regional averages from independent studies.
d. Days Sales Outstanding (DSO) = average days to collect on accounts receivable. By switching some percentage of sales revenue to card payments, there is a potential improvement in how quickly you can get paid.
Note: Dollar values are computed from unrounded BPS; bar labels may be rounded.
1 THE FIGURES AND OUTPUTS GENERATED BY THIS CALCULATOR ARE FOR ILLUSTRATIVE PURPOSES ONLY AND DO NOT REPRESENT A GUARANTEE, PROMISE, OR WARRANTY OF ACTUAL OR FUTURE PERFORMANCE. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS.
The calculations are based on user-provided inputs and industry research averages that may not reflect your specific business, operations, industry conditions, customer base, or market.
The estimates produced should not be relied upon for operational, marketing, technical, tax, financial, investment, legal, or other business decisions, and are not a substitute for professional advice tailored to your circumstances.
All projections are hypothetical and depend on numerous factors beyond the control of Visa, including but not limited to payment mix, customer behavior, industry trends, operational practices, and macroeconomic conditions. Actual results may vary materially from the illustrations provided.
VISA MAKES NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, AS TO THE ACCURACY, COMPLETENESS, OR FITNESS FOR ANY PARTICULAR PURPOSE OF THE CALCULATOR OR ITS OUTPUTS, AND EXPRESSLY DISCLAIMS AND SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, OR INCIDENTAL DAMAGES ARISING FROM THE USE OF OR RELIANCE UPON THE RESULTS. USE OF THIS CALCULATOR AND ITS DATA IS AT YOUR OWN RISK.
This calculator incorporates average performance metrics and benchmarks from independent, third-party research commissioned by Visa, as well as other published industry sources, including:
- The Total Economic Impact of Commercial Credit Card Acceptance: An Update, Forrester Consulting (originally published March 2021, updated June 2024).
- Future Growth Opportunities for Latin America and the Caribbean, Inter-American Development Bank (IDB), March 11, 2024.
- KoreFusion research studies conducted between July and October 2024 across multiple regions, surveying over 2,800 large merchants (>$50M USD turnover).
All research reflects data from surveyed merchants at a specific point in time. The studies did not collect information on the time required to realize the benefits reported. Results may vary for individual merchants. For North America (NA) and Latin America & the Caribbean (LAC), certain values were derived from comparable KoreFusion regional data and adjusted for regional inflation rates.