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i
Meet your smart payments assistant. AP Copilot turns Accounts Payable into a profit center by optimizing virtual card acceptance and automating the busywork, no banks or BPOs needed. Your ROI here reflects cashback gains, lower check/ACH costs, labor time back, and fewer fraud losses modeled using your inputs and our scenario assumptions. Unlimited, uncapped cashback on eligible card transactions.

Quick Estimator

Enter your monthly supplier spend, your current virtual card %, and (optional) your current cashback %. We project your ROI at a 1.5% program rate and model adoption up to your selected scenario target. Whatever you enter for Current Cashback % carries into Advanced.
Current share of supplier payments on virtual card.
Cashback comparison
Current
With AP Copilot
Cashback
$0.00
$0.00
±0
Values shown in annual terms; switch in the right panel.

Advanced Calculator

This view adds labor, check costs, and fraud to your cashback model. We estimate reductions using your selected scenario and typical industry ranges.
NON-LABOR only (materials, bank, postage). Labor is modeled below.
Current vs AP Copilot (costs & cashback)
Current
With AP Copilot
Cashback
$0.00
$0.00
±0
Check costs (non-labor)
$0.00
$0.00
±0
Labor costs
$0.00
$0.00
±0
Fraud / errors
$0.00
$0.00
±0
i Scenarios tune adoption and reductions.
Why these inputs?

Virtual cards Grow ROI via speed, security, and cash-flow benefits; adoption and acceptance are rising across B2B.

Reduce checks Checks cost more than ACH and are the most fraud-targeted; moving spend to cards + STP lowers exposure.

Automation Cuts manual work (data entry, reconciliation, payment runs) so teams focus on higher-value work.

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