Payments Optimization Model



This calculator gives a high level view of the operational, working capital and rebate savings by transitioning manual checks to electronic payment methods including Commercial Card/Single-Use AccountsSM (SUASM), Automated Clearing House (ACH) and Check Print—checks that are printed and cut by a bank, instead of your business.

  • Many businesses pay their vendors using in-house checks
  • This incurs often-ignored expenses—lost employee time, postage, check stock management and inefficient working capital management

Estimate Your Annual Savings

  • Enter your business's annual check volume and check spend
  • See how using different distributions of Commercial Card/Single-Use Accounts, ACH and Check Print can benefit your business!

Commercial Card/SUASM = $123, savings of $0.00
ACH =  , savings of $0.00
Check Print =  , savings of $0.00

Drag the sliders to choose different percentages for each payment method:

  • This is based on a distribution of 20% Commercial Card/Single-Use AccountsSM, 40% ACH and 40% for Check Print
  • These savings are driven by estimated payment rebates, operational efficiencies and working capital benefits
  • Use the slider to see your potential savings based on different distributions

Get in Touch and Stay Informed


The information provided by this calculator is for illustrative purposes only and accuracy is not guaranteed. The calculator is an interactive tool that uses the information that you supply to provide an estimate of your annual savings when transitioning manual checks to electronic payment methods. The general accuracy of the estimate generated by the calculator will depend on how closely the variables chosen by you match your actual circumstances. The results generated in the calculator are estimates and should only be used as a guide to evaluate the potential savings when transitioning manual checks to electronic payment methods. The actual economic results realized as a result of transitioning manual checks to electronic payment methods will vary and there is no guarantee that you will actually realize the savings forecast by the calculator. Any estimate generated by the calculator is not and should not be interpreted as either a promise of or contract for a given level of ROI or savings. JPMorgan Chase does not and cannot guarantee the accuracy or reliability of the results generated by the calculator or that you will actually realize any cost savings as forecast by the calculator. THE CALCULATOR IS PROVIDED "AS IS" WITHOUT ANY EXPRESS, IMPLIED OR STATUTORY WARRANTY OF ANY KIND. JPMORGAN CHASE DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. JPMORGAN CHASE ASSUMES NO RESPONSIBILITY FOR CONSEQUENCES RESULTING FROM THE USE OF OR RELIANCE ON ANY ESTIMATES GENERATED BY THE CALCULATOR OR THE SCENARIOS DESCRIBED IN THIS CALCULATOR. JPMORGAN CHASE IS NOT RESPONSIBLE FOR AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR, DAMAGES OF ANY KIND ARISING OUT OF THE USE, REFERENCE TO, RELIANCE ON OR PERFORMANCE OF SUCH INFORMATION. THE ENTIRE RISK AS TO THE USE, OUTPUT, ANALYSIS, RESULTS, QUALITY AND PERFORMANCE OF THE CALCULATOR IS ASSUMED BY YOU. IF YOU RECEIVE ANY WARRANTIES REGARDING THE CALCULATOR, THOSE WARRANTIES DO NOT ORIGINATE FROM, AND ARE NOT BINDING ON JPMORGAN CHASE. JPMORGAN CHASE DOES NOT WARRANT OR ASSUME RESPONSIBILITY FOR THE ACCURACY OR COMPLETENESS OF ANY INFORMATION, TEXT, GRAPHICS, LINKS OR OTHER ITEMS CONTAINED WITHIN THE CALCULATOR.