Pi Day Payments: Infinite Value Beyond a 3.14% Virtual Card Revenue Share

As we celebrate Pi Day, we recognize the power of precision, efficiency, and innovation—fundamental principles that drive modern payments technology. But does a 3.14% revenue share from virtual cards even exist? Let’s explore the math behind virtual card rebates and why supplier adoption rates—not revenue share percentage—determine your actual returns.

Virtual Cards: The Real Driver of Revenue is Supplier Adoption

The banking industry perpetuates the myth that a higher virtual card revenue share automatically leads to higher revenue returns. That is simply not true. The biggest factor in virtual card revenue generation isn’t the revenue share itself—it’s how effectively your payment provider educates and converts your suppliers to accept virtual cards.

Maximizing Virtual Card Revenue Starts with Supplier Adoption

A high revenue share percentage means nothing if your suppliers don’t accept virtual cards. The true key to virtual card revenue generation isn’t just the rebate percentage—it’s how many of your payments can actually be processed as virtual cards. Without broad supplier adoption, even the most attractive revenue share offer fails to deliver meaningful returns.

The Importance of Supplier Adoption

When it comes to virtual card payments, the real game-changer isn’t the exact rebate percentage—it’s supplier acceptance of virtual card payments. Finexio’s Card by Mail solution delivers an unmatched 61% supplier acceptance rate, significantly higher than any other payment delivery provider. This means more payments processed through virtual cards, unlocking greater revenue potential for AP departments.

Unlike banks and other payment providers that target only a small portion of suppliers, Finexio actively campaigns to move 100% of your suppliers to electronic payments, regardless of size or payment volume. This all-in approach ensures businesses aren’t leaving money on the table due to limited supplier outreach.

Finexio’s Predictive Edge: 93% Accuracy in Supplier Conversion

Finexio’s advanced AI predicts with 93% accuracy which suppliers are most likely to accept virtual cards. This allows businesses to focus efforts where they count, driving higher supplier conversion and unlocking greater cash-back rewards.

Other providers may promise high rebate percentages, but without broad supplier adoption, those numbers mean little. Finexio’s model ensures maximum adoption, maximum volume, and maximum return from your AP payments.

Virtual Card Revenue: Understanding Interchange Rates

To understand where virtual card revenue comes from, it’s essential to break down Visa and Mastercard interchange rates:

• Visa: Typically 1.65% to 2.4%, depending on card type and transaction details. ¹
• Mastercard: Ranges from 1.89% to 2.95%, varying by merchant and card type. ²

While rebates generally fall within a 1.5% to 3% range, they aren’t fixed. A 3.14% rebate might be possible in some scenarios, but what truly matters most is optimizing your total volume of virtual card transactions—the more payments processed via virtual cards, the higher your overall return.

How Finexio Maximizes Your Virtual Card Revenue

Finexio’s revenue share model ensures that businesses capture the highest possible value from virtual card payments by focusing on three critical factors:

1. 100% Supplier Coverage – Every supplier is engaged for virtual card payments, not just a select few.
2. AI-Powered Supplier Conversion – Targeting suppliers most likely to accept virtual cards, optimizing adoption rates.
3. Industry-Leading 61% Acceptance – More suppliers using virtual cards means more revenue back to you.

Pi Day Takeaway: The Infinite Potential of Finexio’s Payment Model

So, does a 3.14% revenue share model currently exist in the payments industry? No—but that’s not the right question. While rebate rates vary across providers, combining a highly competitive revenue share model with the highest virtual card adoption rate in the industry delivers the greatest revenue return.

Think of it as a simple equation:

Competitive Revenue Share + Industry-Leading Supplier Adoption = Maximum Virtual Card Revenue

What truly matters is the total volume of payments processed via virtual cards, which is directly tied to supplier adoption. With the highest acceptance rates in the industry, Finexio drives superior ROI, ensuring greater revenue generation from your AP payments than competitors.

This Pi Day, think beyond arbitrary percentages—focus on the infinite opportunities created by fully managed, revenue-generating payment solutions. The numbers speak for themselves—the value of the returns on modernizing your AP payments with Finexio is undeniable.

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Why Finexio?

Finexio is the only purpose-built platform for embedded payments and the only company that has an AI-backed payments fraud guarantee solution for optimizing, monetizing and securing AP payments.

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