For AP & B2B Payments Platforms
What does your payment program actually generate?
This calculator estimates your platform's annual program revenue — virtual card interchange plus monetized electronic payments. Set your rail mix, then see your program economics.
Looking for customer ROI? Read: Building a high-performing AP payments platform → Use the AP Customer Value Calculator →
Program Volume
Monthly payment count
50,000
500500K
Total payments issued per month across all rails
Average payment size
$2,500
$100$50K
Payment Rail Mix
Current mix
Check 30%
VCard 15%
ACH/RTP 55%
⚠ Rail mix exceeds 100% — reduce one or more sliders
Check %
30%
0%100%
Industry average for AP platforms: 20–45%
Virtual Card %
15%
0%50%
15% is achievable through card network partnerships and AR automation. Reaching 40–50% requires investment in a two-sided supplier network and active supplier onboarding.
ACH / RTP / FedNow %
55%
0%100%
All ACH, RTP, FedNow, and enhanced ACH payments. Check + VCard + ACH/RTP should equal 100%.
Monetized electronic payment rate
20%
0%100%
Percentage of ACH/RTP/FedNow payments generating incremental revenue (Enhanced ACH, Aggregated Payments, RTP/FedNow). Starts at your Virtual Card % — increase to include monetized electronic rails.
Total monetized % of all payments
—
Program Economics
Virtual card interchange rate (bps)
175 bps
0 bps300 bps
Industry range: 25–250 bps. Default assumes mid-market B2B virtual card program.
Check processing cost per item
$11
$1$25
All-in cost including print, postage, reconciliation labor, and exception handling. Industry range: $8–$15 (AFP, NACHA, Ardent Partners). Used for customer value estimate only — not platform revenue.
Blended revenue per monetized electronic payment
$2.00
$0$10
Blended rate across Enhanced ACH, Aggregated Payments, and RTP/FedNow. $2.00 is a realistic target for mature programs with diversified monetized rails.
Estimated Annual Program Revenue
$0
Direct revenue generated by your payment program
Platform Revenue
Virtual card interchange
Your VCard volume × interchange rate
Your VCard volume × interchange rate
—
Monetized electronic payments
ACH / Enhanced ACH / Aggregated / RTP-FedNow
ACH / Enhanced ACH / Aggregated / RTP-FedNow
—
Total annual program revenue
—
Customer Value Delivered
Check elimination savings to customers
Cost reduction your customers experience
Cost reduction your customers experience
—
This value supports your pricing and customer ROI story — it accrues to your customers, not directly to your platform P&L.
Is your program capturing its full economics?
These estimates are directional. Actual program revenue depends on supplier mix, card network agreements, BIN structure, and program model. We diagnose the specific gaps in 30 minutes.
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Virtual card interchange revenue: Monthly VCard payment count (total payments × VCard %) × average payment size × (VC interchange rate ÷ 10,000) × 12.
Monetized electronic payment revenue: Monthly ACH/RTP/FedNow count (total payments × ACH/RTP %) × monetized rate × blended revenue per payment × 12.
Total monetized %: VCard % + (ACH/RTP % × monetized rate). Represents the share of all payments generating incremental revenue.
Customer check elimination savings: Monthly check count × cost per item × 12. This value accrues to your customers (reduced AP cost), not to your platform P&L directly. How much your platform captures depends on your pricing model. Shown separately as value delivered, not platform revenue.
Basis points: Annual program revenue ÷ annual dollar volume × 10,000.
Check cost research sources:
· AFP 2022 Payments Cost Benchmarking Survey: $10.00–$14.00 all-in
· NACHA Electronic Payments Benefits Calculator: $8–$15 including print, postage, reconciliation, exceptions
· Ardent Partners AP Automation Benchmark: $13.11 average including labor and overhead
· IOFM: $6–$12 direct costs; $12–$18 with full indirect allocation
Estimates for directional analysis only. Actual economics depend on supplier mix, card network agreements, BIN structure, and program model terms.
Monetized electronic payment revenue: Monthly ACH/RTP/FedNow count (total payments × ACH/RTP %) × monetized rate × blended revenue per payment × 12.
Total monetized %: VCard % + (ACH/RTP % × monetized rate). Represents the share of all payments generating incremental revenue.
Customer check elimination savings: Monthly check count × cost per item × 12. This value accrues to your customers (reduced AP cost), not to your platform P&L directly. How much your platform captures depends on your pricing model. Shown separately as value delivered, not platform revenue.
Basis points: Annual program revenue ÷ annual dollar volume × 10,000.
Check cost research sources:
· AFP 2022 Payments Cost Benchmarking Survey: $10.00–$14.00 all-in
· NACHA Electronic Payments Benefits Calculator: $8–$15 including print, postage, reconciliation, exceptions
· Ardent Partners AP Automation Benchmark: $13.11 average including labor and overhead
· IOFM: $6–$12 direct costs; $12–$18 with full indirect allocation
Estimates for directional analysis only. Actual economics depend on supplier mix, card network agreements, BIN structure, and program model terms.