In a recent episode of B2B Vault – The Biz-to-Biz Podcast, presented by Nationwide Payment Systems, host Allen Kopelman sat down with Roger McNamera, Director of B2B Acceptance at Visa, to discuss one of the fastest-growing areas in the payments industry: B2B payments.
They explored how modern payment strategies can help businesses:
Improve cash flow
Reduce risk
Streamline large transactions and invoice collections
Allen shared a personal story of meeting Roger nearly 30 years ago—when Roger was an American Express rep and convinced him to start accepting Amex at his restaurant in Boca Raton.
Fast forward to today, and Roger now manages over $60 billion in B2B spend at Visa, helping U.S. businesses modernize their payment acceptance strategies.
Roger emphasized a key point: “The time value of Money is critical.”
Many B2B companies still rely on Net 30, 45, or 60-day terms—but that ties up cash flow and creates unnecessary risk. By encouraging customers to pay with a credit card and offering Net 15 terms instead, businesses can get paid faster and operate more efficiently.
Lower Cost of Capital: Processing fees may cost less than interest from loans.
Reduced Risk: Faster payments mean fewer collections and bad debts.
Protection Against Inflation: Cash today is worth more than cash later.
Tax Deductibility: Fees are often tax-deductible.
Interchange Savings: With Level 2 and 3 data, rates can drop below 1.5%.
Watch the Full Podcast Episode on YouTube
Visa and Nationwide Payment Systems are working to correct a major myth: that credit card acceptance is too expensive for B2B transactions.
Virtual and corporate cards are becoming the norm in B2B.
Buyers enjoy float and rewards from card usage.
Sellers benefit from faster payments, fewer receivables, and improved cash flow.
Allen shared stories of clients who drastically improved their operations by modernizing how they accept payments.
Sending invoices with secure payment links
Using DocuSign to streamline approvals
Offering early payment discounts for card use
Implementing dual pricing or surcharging (within compliance)
One client reduced outstanding receivables by $250,000, simply by switching to automated card-on-file billing.
The B2B payments landscape is changing fast. Here’s how modern Technology is helping:
ERP and CRM systems now integrate native payment features
No-code portals and hosted pages make PCI compliance easier
APIs and webhooks allow real-time invoicing and reconciliation
As Roger put it:
“The B2B ocean is wide open—where the consumer pool is fully subscribed. There’s room for everyone to succeed.”
If your business is holding receivables, you’re acting like a bank—and that’s risky.
Both Allen and Roger agreed: Smart card acceptance is one of the best tools to:
Get paid faster
Lower financial risk
Improve operational efficiency
Listen to the Full EpisodeCatch the full conversation on your favorite platform:
Spotify
Apple Podcasts
Ready to Accept B2B Payments Smarter?Nationwide Payment Systems helps B2B businesses across industries:
Optimize Level 2 & 3 interchange
Accept virtual cards and ACH
Build custom no-code portals and payment links
Improve cash flow and reduce receivables
Contact us today or schedule a demo to see how we can help your business grow with smarter B2B payment strategies.
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B2B (business-to-business) payments are transactions made between two businesses for goods or services. These payments are often high-value and involve invoices, purchase orders, and longer payment terms like Net 30 or Net 60.
Accepting credit cards allows B2B companies to get paid faster, reduce outstanding receivables, lower risk of non-payment, and improve cash flow. Cards also offer automation and reporting benefits, especially when used with Level 2 and Level 3 data.
Not necessarily. While card fees exist, the benefits often outweigh the costs. With the right setup—such as passing Level 2 or Level 3 data—interchange rates can drop significantly, sometimes below 1.5%. Faster payments also reduce collection efforts and financing costs.
Level 2 and Level 3 processing refers to providing enhanced transaction data (such as item details, tax, or customer codes) during payment. This qualifies the transaction for lower interchange fees, making it ideal for B2B transactions.
Virtual cards are digital versions of physical credit cards used for one-time or recurring B2B purchases. They improve Security, reduce fraud, and streamline vendor payments—especially when integrated into accounting or ERP systems.
The post Unlocking Growth with Smarter B2B Payment Strategies appeared first on Customized Payment Processsing Solutions.
