Accepting Cards as a Cash Acceleration Tool:
When most businesses think about accepting credit cards, they immediately focus on fees. But in reality, accepting credit cards is a powerful cash acceleration tool. By using commercial and virtual cards strategically, businesses can get paid faster, reduce DSO, and unlock working capital far more effectively than traditional payment methods.
The Trade-Off: Speed vs. Terms
Businesses are no stranger to net terms. Whether it’s Net 30, Net 45, or longer, those delays tie up cash and create friction in day-to-day operations. By accepting card payments from customers who prefer to float payments on their end, you gain immediate access to cash, while they retain their flexibility.
In other words:
- You get paid now.
- They get to pay later.
- Everyone wins.
Why Accepting Credit Cards Works So Well in B2B
In the B2B world, terms are often used as leverage to win deals or maintain long-standing customer relationships. But late payments, cash flow bottlenecks, and collection challenges can put serious strain on your operation.
Accepting credit cards changes that dynamic:
- Cash hits your account in 1–2 days
- You eliminate collection risk
- You reduce DSO (Days Sales Outstanding)
- You improve cash flow predictability
Even if the interchange fee is 2%–3%, the cost of waiting 30–90 days—or chasing overdue payments—can be much higher.
Virtual Cards: The Next Evolution in B2B Payments
Stop thinking of accepting credit cards as an expense.
Start thinking of them as a financial tool.
Just like factoring or supply chain financing, credit cards offer a simple tradeoff:
You give up a small percentage in exchange for instant liquidity.
It’s not about rates.
It’s about what speed is worth to your business.
Bottom Line: Accepting Credit Cards = Faster Cash Flow
If you’re looking to reduce DSO, improve cash flow, and eliminate payment risk, accepting cards—especially virtual cards—is one of the simplest tools available.
They’re not just a payment method.
They’re a strategic accelerator for your receivables.
Want to see how much working capital you’re leaving on the table?
Let’s run a quick DSO acceleration analysis for your business.Give us a call at 888 790 3450 or email info@ revolution-payments.com