Vendor Payment Solutions (VPS)
Automate Vendor Payments & Earn Rebates — Without Adding Headcount
Digitize AP with virtual cards + ACH, reduce check costs and fraud risk, and unlock monthly rebates.
High AdministrativeCosts
Potential FraudExposure
Lost Opportunity forRebates
What Is a Vendor Payment Solutions Program?
A VPS program replaces paper checks with virtual cards and ACH, automates approvals and payouts from your ERP, and provides rebate dollars on eligible spend. Your vendors are enrolled and supported by a dedicated enablement team; payments are executed securely in a compliant environment; and AP gains real-time visibility and reconciliation.
Compared with manual checks, VPS reduces processing cost, shortens payment cycles, and decreases fraud exposure—while generating recurring rebates.
Why AP Payment Costs Creep Up
Paper checks are expensive & risky:
Materials, labor, postage—and checks are a top fraud vector. (45% of businesses reported check fraud last year.)
Manual processes slow approvals & invite errors:
Rekeying and tracking exceptions consume AP time.
Fragmented vendor preferences:
Without vendor enablement, adoption of digital payments stalls.
A modern VPS solves these with automation, vendor enablement, and secure rails (virtual cards + ACH).
Our Proven 4-Step Process
1
Benchmark the portfolio
Analyze AP spend, vendor tiers, and ERP workflow; model rebate upside using P3 benchmarks.
2
Step 2
Define payment policies (card vs. ACH), approval paths, file formats, and remittance.
3
Step 3
Dedicated team enrolls suppliers, manages preferences, and maintains records.
4
Step 4
Securely automate outbound payments; enable real-time status and reconciliation, and rebate reporting
Benefits You Can Expect
Monthly cash rebates on eligible payables
Lower AP processing cost vs. checks + faster cycle times
Reduced check fraud risk; better control and audit trails
Real-time visibility and smoother reconciliation
Vendor-friendly enablement that maintains relationships
Who We Help
Manufacturing
Healthcare
Higher-ed
Financial services
Retail
Multi-location enterprises.
Any organization spending above our category minimums
What We Implement & Manage
Payment rails:
Single-use virtual cards for eligible vendors; ACH for the rest—both automated from your ERP.
Vendor enablement:
Dedicated outreach, enrollment, and ongoing account updates in a PCI-compliant environment.
Rebate maximization:
Structure spend to maximize eligible card volume and monthly rebate returns
Fraud & risk reduction:
Move away from checks; enforce single-use card controls and secure ACH.
Faster reconciliation:
Real-time payment status and automated remittance files back to AP.
Frequently Asked Questions
Will vendors accept virtual cards? +
Most do when properly enabled; others can be paid by ACH. We run full-service outreach and maintain preferences in a PCI-compliant environment.
Do we have to change our ERP? +
No. VPS integrates with existing workflows and supports common ERP/AP formats—including options validated in the Microsoft ecosystem.
How are rebates calculated? +
Based on eligible card volume and program terms. We model upside using your vendor file and P3 benchmarks, then optimize monthly. Typically you can expect to earn 1.5% cash back at scale.
What about security and compliance? +
Payments are executed via secure, tokenized rails; vendor data is managed in a PCI-compliant environment.
What size businesses do you work with? +
We work with any organization spending more than $30,000,000 per year
How do you make money? +
We earn a small fee on ACH transaction and a small percentage of the rebate. Overall you can expect hundreds of thousands net, back to your bottom line, after our fees.
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Do you have more questions?
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Ready to turn AP into a revenue engine?
Schedule your free Vendor Payment Solutions consultation today.