# Unlock the potential of commercial card acceptance 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. ## How commercial cards can benefit buyers and suppliers - **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 ## Maximize the value of card payments and collections Commercial cards can make payments and collections faster, easier and more convenient. ## One of the best ways to pay and be paid Learn more about how commercial cards can offer operational efficiencies and working capital benefits. - Accelerating Payments - Generating cost savings - Streamlining payments - Driving operation efficiencies ## Helping a B2B workwear supplier unlock the full value of commercial card acceptance [Read the case study](https://corporate.visa.com/content/dam/VCOM/corporate/solutions/documents/supplier-case-study.pdf) ## Find out how commercial cards can improve liquidity and cash flow, generate cost savings and reduce day sales outstanding (DSO). [Watch the video](https://www.youtube.com/watch?v=2FWnlFIfHPI) ## Find out how virtual cards are boosting cash conversion, customizing interchange and streamlining payments for a flight training provider. [Read the case study](https://corporate.visa.com/content/dam/VCOM/corporate/solutions/documents/flight-training-case-study.pdf) ## Learn about the value of card acceptance and the benefits of an effective policy. [Read the case study](https://corporate.visa.com/content/dam/VCOM/corporate/solutions/documents/manufacturer-case-study.pdf) ## Visa commercial cards can provide benefits across the board ### Buyers Pay more suppliers with your preferred payment method and streamline the payments experience. ### Suppliers Accelerate your days sales outstanding (DSO), reduce bad debt, power revenue growth and improve operational efficiencies, while strengthening customer experience. ### Financial institutions Increase card-based payment volume and better meet the needs of your commercial customers. ## Bringing card acceptance to the business 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. [Read about the benefits to suppliers](https://corporate.visa.com/en/solutions/commercial-solutions/knowledge-hub/greater-efficiency-and-sustained-growth-with-commercial-card-acceptance.html) White paper [You won the commercial card business. Now win the spend.](https://globalclient.visa.com/Visa-SEaaS-white-paper) White paper [Drive commercial card growth with custom interchange](https://corporate.visa.com/en/solutions/commercial-solutions/knowledge-hub/forrester-drive-commercial-card-growth.html) Case study [Modernizing B2B payments with Ocean Network Express](/content/en-us/solutions/b2b-acceptance#/index.html) White Paper [Understanding the total value of commercial card acceptance](https://corporate.visa.com/en/solutions/commercial-solutions/knowledge-hub/total-value-of-commercial-credit-card-acceptance.html) Case Study [From acceptance myths to a profitable reality](https://corporate.visa.com/en/solutions/commercial-solutions/knowledge-hub/cannonball-creative-supplier-case-study.html) Research [The quest for enhanced mutual value in commercial card payments](https://corporate.visa.com/en/solutions/commercial-solutions/knowledge-hub/enhanced-mutual-value-in-commercial-card-payments.html) Article [Unlocking the full value of commercial card acceptance for B2B suppliers](https://corporate.visa.com/en/solutions/commercial-solutions/knowledge-hub/b2b-suppliers.html) ## Get in touch with our team Learn how you can realize the benefits of card payments. [Contact Visa B2B Acceptance](https://globalclient.visa.com/contact-B2BAcceptance) ### Learn more about commercial payments and card acceptance - #### 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](https://corporate.visa.com/en/solutions/commercial-solutions/knowledge-hub/total-value-of-commercial-credit-card-acceptance.html) 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](mailto:b2bacceptance@visa.com).