# Simplify B2B payments with Visa Commercial Pay

Manage virtual B2B payments with an integrated digital platform.

## Visa Commercial Pay. A suite of virtual B2B payment solutions

Improve cash flow and eliminate outdated manual processes with Visa Commercial Pay. It works across multiple business-spend use cases, from supplier payments to corporate travel and mobile payment options, to offer a solution that simplifies the way businesses manage payments.

With an easy-to-use interface, Visa Commercial Pay helps businesses to streamline operations, automate reconciliation, and communicate virtual card payment information, in one central and secure platform.

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- B2B supplier payments
- Corporate travel
- Travel intermediaries

### For B2B supplier payments

Experience greater accounts payable efficiency and improve the procurement process with Visa Commercial Pay.

Manage payments with virtual cards through an integrated platform that delivers automation and digitization of the purchasing and financial management processes.

### How Visa Commercial Pay helps B2B supplier payments

#### Automated data matching  
Increases the speed of reconciliation of payments.

#### Extending Days Payable Outstanding (DPO)  
Improve your cash flow position with DPO.

#### Reduce Day Sales Outstanding  
Enhance relationships by making payments to suppliers faster.

#### Ensure card use compliance  
Enforce compliance with spend controls at the point of purchase.

#### Payment data visibility  
Visa Commercial Pay offers you one platform for better visibility of payment data.

#### Automate processes  
Reduce payment processing costs and time by automating and digitizing manual processes.

### For corporate travel

Manage corporate travel seamlessly across the entire journey with the issuance and management of virtual cards from a single platform.

Visa Commercial Pay seamlessly integrates into business travel processes to deliver enhanced data, full spend visibility and automated expense reconciliation.

### How Visa Commercial Pay helps manage corporate travel finances

#### Create or add virtual cards easily  
With the Visa Commercial Pay mobile app, you can add virtual cards to digital wallets and make it simple for employees to pay for expenses on-the-go.

#### Travel expenses visibility  
Gain more visibility into travel expenses to better consolidate total cost of trips.

#### Access to payment details  
Whether a booking is made via travel management company or an online booking tool, payment details are easy to access.

#### View travel details  
Manage travel better with access to hotel booking confirmations, location, payment instructions and agency contact information.

#### Spend controls  
Reduce the risk of out-of-policy or fraudulent spend with spend controls.

#### Reduce processing costs  
Visa Commercial Pay will help eliminate manual and inefficient travel expense management processes.

### For travel intermediaries

Visa Commercial Pay is a single integrated platform that allows travel intermediaries to manage all end-to-end virtual payments, communication, and reconciliation in one central platform.

### How Visa Commercial Pay helps manage travel intermediaries

#### Fully automated reconciliation process  
Automatically capture booking, custom and transaction data.

#### Single unified platform  
Provide greater spend visibility and transparency to finance team.

#### Automated virtual card delivery  
Eliminates the need for a manual offline billback process.

#### Extended Days Payable Outstanding (DPO)  
Optimize your working capital with DPO and additional revenue streams.

#### Better dispute management  
Transactions made on virtual cards are more secure, and in cases of chargebacks, easier to manage.

#### Spend controls  
Minimize risk of fraud with spend controls.

#### Automate processes  
Reduce the costs and time needed to manage payments with Visa Commercial Pay.

#### Reduce Day Sales Outstanding (DSO)  
Faster supplier payments reduce DSO and open opportunities for payment terms negotiations.

#### Issuance on mobile devices  
Enables instant issuance to mobile devices for payments on-the-go.

## Accelerate the digital transformation of B2B supplier payments

Contact your issuer to learn more about how Visa Commercial Pay can enhance your commercial card program.