Try For Free
Try For Free
shadow
Group 53
close
pexels-fauxels-3184357

Most Businesses Are Leaving Massive Profits on the Table

You’re already moving millions out of your accounts to pay suppliers - whether through ACH transfers, checks, or payment automation software. AP Copilot transforms those same payments into a profit center, earning you 1.5% unlimited cashback on every supplier payment you can while providing intelligent insights to optimize your supplier relationships.

Why AP Copilot Wins

Payment Automation Platforms Comparison

AP Copilot Corpay Bill.com

Financial Returns

Cashback Rates
1.5% Unlimited
Up to 1.5% Capped
.75% unlimited
Virtual Card Acceptance Rates
40-60% typical
20-25% typical
20-25% typical
Credit Limits
No limit (prepaid)
Credit line limited
No limit (prepaid)
Value per $1M Spend
$7,500 (unlimited)
$3,750 (up to line)
$1,875 (unlimited)

Payment Methods

Virtual Card Delivery
Instant API (Straight Through Processing), Lodge Cards
e-mail to supplier
e-mail to supplier
ACH Push
Full
Full
Full
e-Check
Secure withdrawl
None
None

Global Payments

Local Currency Accounts
22+ Currencies
None
None
Payments Currencies
130+ Currencies
100+ Currencies
Limited
International Payment Speed
Real-Time
1-3 Days
1-4 days

Key Features

Unique features
150M+ Supplier Preference Database, Smart AI Assistant
AP Automation, Fully Managed Service
AP/AR Workflow Automation, Invoice Approvals
Accounting Integrations
20+ platforms via unified API
Limited integrations
7-8 major platforms
Accounting Integration Quality
Enterprise-grade API with real time synch, all field access, 99.9% uptime, auto updates with platform changes
Custom built integrations with limited field access, batch synch, manual updates when platforms change
Custom built integration with limited field access, batch synch, manual updates when platforms change

Best For

Business Size
Mid-market, Enterprise
Mid-market
Small, mid-market
Use Case
Cashback and fraud prevention
Outsourced payment service
Full AP/AR workflows

Built for Vendor Payments, Not Employee Expenses

How is AP Copilot different than other Virtual Card platforms?
AP Copilot is built for Accounts Payable Operations, not Employee Expenses
This spend is 5 - 10x larger representing your biggest opportunity for cashback!

Unlike Ramp, Brex, and other employee expense management platforms, AP Copilot is purpose-built for your accounts payable operations. While employee expenses might be a challenge to manage, your vendor payments are typically 5-10x larger - representing your biggest opportunity for cashback rewards and supplier optimization.

Employee Cards (Ramp/Brex) manage employee spending on travel, meals, and software. 

AP Copilot lets you earn cashback on marketing, logistics, utilities, technology spend and more - your largest business expenses other than payroll.

The real money in B2B payments is not in managing employee expense reports - it’s in optimizing the massive supplier payment flows that keep your business running.

Meet AP Copilot Pop-Up Graphics_Art v4
Wait but what about other payment platforms?

Beyond AP Automation Software

AP Automation software like Bill.com automates your AP workflow but charges you fees to send payments with limited intelligence. AP Copilot automates the same processes while paying you to make those payments and providing supplier insights that help optimize your vendor relationships.

The Economics Tell the Story:

Traditional AP Process:

- Send $10M in monthly supplier payments through Bill.com

- Pay $79/month + $5,000 transaction fees

- Limited payment methods (mainly ACH)

- No supplier intelligence

- Net cost: ~$5,079/month in fees

 

AP Copilot Process:

- Send $10M in monthly vendor payments via AP Copilot

- Earn 1.5% cashback = $150,000/month

- Broad card acceptance with suppliers

- Supplier intelligence and optimization insights

- Net benefit: $150,000/month in rewards

Monthly difference: $155,000+ swing in your favor

 

The profit impact:

This $150K monthly cashback equals the profit from $375K-750K in additional core business revenue (assuming typical 20-40% margins) - but with zero operational costs, customer acquisition complexity, or delivery risk.

The Numbers Tell the Story

Group 5
Midmarket A company with revenues of $50M will have roughly $8M of eligible cards spend and receive >$115K in cashback.
Group 22
Enterprise A company with revenues of $500M will have roughly $60M of eligible card spend and receive >$900K in cashback.
    Kristi Headshot
    “I love using AP Copilot for my global payments. It makes my job fun and my team profitable. We have used it to make thousands of payments in over 20 currencies. I highly recommend you give it a try.”
    Kristi Gorton
    Director of Client Payments at Sakon
    Shape Right