The Forrester white paper, commissioned by Visa, shows that accepting commercial credit cards for B2B payments delivers strong financial returns. A composite $10B organization realized a 132% ROI, net benefit of 420 basis points per transaction, and payback in under six months. Over three years, benefits totaled $300M in present value, driven by $125M from incremental revenue, $158M from improved debt collection, $12M from reduced days sales outstanding, and $6M from process efficiencies. Challenges with ACH and checks—fraud, delays, manual effort—were replaced with faster cash flow, better security, and higher customer satisfaction. Costs included 3% transaction fees and $4.7M in internal costs, but benefits far outweighed expenses.

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