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Treasury and Payments

Improve your working capital, reduce fraud and minimize the impact of unexpected disruptions with our treasury solutions—from digital portals to integrated payables and receivables—all designed to make your operations smoother and more efficient.

Learn more about our treasury solutions:

Credit and Financing

Prepare for future growth with customized loan services, succession planning and capital for business equipment or technology.

Learn more about our credit and financing solutions:

Commercial Real Estate

Get the strategic support to be successful throughout market and real estate cycles with insights, hands-on service, comprehensive financial solutions and unrivaled certainty of execution.

Learn more about our commercial real estate solutions:

International Banking

Global opportunities mean global challenges. But real success means understanding the local markets you serve—which is why we bring the business solutions, insights and market perspective you need. 

Learn more about our international banking solutions:

Benefits of Commercial Card Acceptance

It pays to accept commercial card payments. Get paid faster, reduce manual check processing and increase confidence and security.


In a recent RPMG EAP Benchmark survey, up to 92 percent of North American businesses experience late B2B payments.


Nearly 70 percent of buyers consider card acceptance to be very important, important or required.1


More than half of all US suppliers accept virtual card payments, and 68 percent accept Purchasing Cards.1


Nearly 100 percent of suppliers are satisfied with the quality and speed of help from our Supplier Support team.

What We Do

Now more than ever, buyers are relying on their suppliers to accept commercial card payments to do business, and there are clear benefits for suppliers who accept them. When you consider the entire cost of acceptance, commercial card payments can save your organization a significant amount of money. You can increase your cash flow, protect your customer base and grow your business.


Get Paid Faster

Put your profits to work faster with card payments that limit days sales outstanding and reduce check-related expenses, like collections and lockbox costs. Maximize your organization’s working capital with funds available immediately (or within 24 hours) and eliminate common hassles such as late, lost, damaged or fraudulent checks.


Increase Confidence and Security

Enjoy a secure payment processing experience delivering maximum fraud protection and guaranteed payment. Unlike ACH, you don’t need to share sensitive banking information for card payments—granting you and your organization peace of mind.


Maximize Efficiency

By accepting card payments, your Accounts Receivable team can expedite their efforts, save time and reduce errors seen in manual processing of checks. Since electronic remittance data is paired with the payment, it can be uploaded directly into your ERP system. Options like Straight-Through Processing can even make acceptance payments completely automated.


Strengthen Relationships

Discover opportunities to expand business with existing customers and attract new clients. Most buyers consider card payment acceptance important or even required when choosing suppliers. Help your business stay competitive while also making it easier for your buyers to conduct business.

Connect with an expert

Connect with an expert

Contact us

Show Me the Money: Savings on a $500 Transaction


Accepting card payments saves suppliers money compared to traditional payment methods (wire, ACH and check).

$24.47 in supplier savings

  • $1.18: Reduces buyer side errors by 20 percent
  • $16.29: Lowers bad debts from 3.26 percent of A/R receivables to 0 percent
  • $1.27: Increases working capital by 36.7 days
  • $5.73: Saves 8.1 minutes of FTE time by eliminating invoices


- $13.87 in supplier expenses

  • $0.12: Cost for 1.3 minutes of FTE time; less lockbox savings
  • $13.75: Cost for merchant discount fee of 2.75 percent for a $500 transaction


= $10.60 Overall savings

  • 31 percent saved on total card costs


Individual costs of payment types, based on fully loaded costs for a $500 transaction:

Source: Calculations for transaction made at point-of-sale; Acceptance Matters and Now We Know How Much, Mastercard and Kaiser Associates, Commercial Card Acceptance Cost-Benefit Study, November 2016.

    Streamline with Single-Use AccountsSM

Every organization is different, and you need payment acceptance options tailored to your organization’s needs. With J.P. Morgan’s virtual card solution, Single-Use AccountsSM, you can access our online self-service portal, SUA ConnectionSM, and mobile application, SUA PaySM, to easily process transactions, track receivables and access remittance data. Our dedicated Supplier Support team will help you understand what to expect, share best practices for processing SUA payments and provide one-on-one help when you need it.

How SUA Works


  1. Buyer’s A/P approves invoice
  2. A unique virtual account number with approved pay date and amount is generated for each payment.
  3. Supplier receives payment notification with full remittance details and processes payment.


Alternative payment delivery options available via website or phone.

Get In Touch and Stay Informed