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B2B Acceptance

Unlock new growth in B2B acceptance

Acquirers can capture recurring, high value B2B flows by helping merchants accept virtual card payments for invoices

The invoiced payments opportunity

Watch to learn how our modular approach allows you to start fast and scale strategically.

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poster

$80T

serviceable addressable market[1]

$63T

invoice-based payments opportunity[1]

74%

of B2B buyers expect at least a quarter of transactions to be made with virtual cards by 2028 [2]

More corporate buyers want their suppliers, your merchant clients, to accept cards. Enabling B2B card acceptance unlocks new growth for you and your merchants.

Marc Pettican Global Head of Corporate Solutions

What is adaptive commercial acceptance?

It means meeting you as an acquirer where you are, in the markets and verticals you serve, with solutions that enhance your existing infrastructure and meet your merchants’ unique needs.

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A partnership to take you further

Depend on Mastercard for commercial payments expertise, technical capabilities and go-to-market execution.

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Solutions for all your needs

Choose modular, card-network-agnostic acceptance solutions that streamline payment initiation and enable real-time transaction processing for applicable use cases.

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Solutions

Your adaptive commercial acceptance toolkit

Optimize results with data-driven insights and seamlessly integrated solutions across the supplier lifecycle journey.

Acceptance insights and analytics

Identify merchants likely to accept commercial cards for invoice-based payments.

Engagement and enablement

Convert merchants to accept commercial cards through outreach and streamlined onboarding.

Straight through processing

Automate receipt of commercial card payments from buyer initiation to remittance delivery to merchants.

Automated email-based payments

Streamline how merchants accept and reconcile virtual card payments received by email.

Explore

Commercial acceptance advisory

Diagnose acceptance gaps and align product, operations and go to market to accelerate adoption of B2B payments.

Featured resource

White paper

Acquirers can drive growth in commercial card acceptance

Learn more
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Key Benefits

Our differentiated approach

Solutions built for how you want to engage.

Modular

Flexibly deploy and scale solutions at your pace for faster activation and lower risk.

Adaptive

Tailor solutions to merchant client needs — by industry vertical and region.

Embedded

Integrate seamlessly into existing business platforms to meet your merchant clients where they are.

Intelligent

Optimize supplier acceptance with data-driven, AI-powered insights.

Interoperable

Use common data, orchestration and integration patterns that leverage your existing systems.

Compliant

Designed to work alongside your legacy platforms, securely and compliantly.

The practical view

Helping acquirers activate B2B acceptance end-to-end.

A new lane of growth

Leverage existing capabilities

Extend capabilities and stay compliant

Why are acquirers focusing on B2B virtual card acceptance now?

Corporate buyers increasingly want to pay invoices with virtual cards. Acquirers can help their merchants accept virtual cards to meet their buyers’ demands. One way to do this is to embed virtual card acceptance into B2B accounts payable (AP) and accounts receivable (AR) platforms and enterprise resource planning (ERP) systems to capture high-value, recurring B2B payment streams.

What are the benefits to B2B suppliers of virtual card acceptance?

Suppliers gain faster payments, improved cash flow and automated reconciliation with rich remittance data — reducing manual effort and errors while meeting buyer preferences.

What are the benefits for acquirers in enabling B2B virtual card acceptance?

Acquirers can unlock potential new B2B flows and revenue related to high-value, recurring invoice flows to deepen merchant client relationships. 

 

What are key trends shaping global commercial virtual card acceptance?

Embedded finance is growing and card acceptance is moving into AP/AR and procurement platforms. Straight-through processing and automated reconciliation are removing friction, making accepting virtual card payments easier than ever for merchants.

Why choose Mastercard as your B2B acceptance partner?

Mastercard offers a supplier-centric, modular approach that covers the full supplier lifecycle — from targeting and onboarding to payment orchestration and optimization. With data-driven insights, straight-through processing solutions and payment ecosystem partnerships, Mastercard helps acquirers reduce complexity, accelerate time-to-market and unlock new growth lanes with commercial flows.

Unlock the B2B virtual card acceptance opportunity

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[1] McKinsey and Mastercard internal analysis, 2024. Excludes China and Russia

[2] Unlocking procurement value through embedded finance, Mastercard, 2025

B2B Acceptance