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Case study

Leading retailer consolidates $100m+ in supplier payments using Mastercard virtual cards and Coupa


August 2026

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Context and challenge

Across more than 100 locations in North America, a leading retailer relied on store-issued cards and manual checks to manage one-time supplier payments at the individual store level. This fragmented approach limited visibility into supplier spend, created inconsistent payment processes and increased operational inefficiencies. The retailer needed a scalable solution to centralize supplier payments, automate payment administration and improve working capital management while reducing supplier onboarding costs and administrative burden.

Solution

Integrate

Coupa integrated pay-on-request into purchase order workflows, centralizing supplier payments and increasing visibility into supplier spend.

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Enable

Mastercard enabled single-use virtual card numbers for supplier payments, helping automate supplier payment workflows while improving security and control.

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Simplify

The solution eliminated lengthy supplier onboarding and fragmented off-system payments, reducing administrative effort and supporting accounts payable automation.

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Scale

Following a five-location pilot, the retailer expanded the solution to 100+ locations within a few months, centralizing supplier payments at scale and improving working capital management.

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Results

By centralizing supplier payments and automating previously manual processes, the retailer increased visibility into supplier spend, improved working capital management and scaled card program value across the organization.

$100m+

additional annual spend consolidated

100k+

one-time suppliers paid without traditional onboarding

$35m

estimated savings from reduced supplier onboarding

$1m

estimated annual increase in card program rebates

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Streamline payments, optimize working capital

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