Modern payment processes like card and accounts payable automation are being embraced, and established ones like cash and checks are on the decline.

of organizations planned to put more or signi�cantly more spend on Card programs in 2018 versus 2017.140%

The future of payments is digital

The bene�ts of plastic and digital acceptance

¹Strategic Treasurer’s 2018 B2B Payments & WCM Strategies Report underwritten by Bottomline Technologies & Bank of America/Merrill Lynch. ²Atradius - The Americas, An Increase in Overdue B2B Payments Receivables - June 2018 report

³Mercator Advisory Group - 2018 Small Business Payments and Banking Survey Series4,5AFP Fraud and Control 2018 Study

For buyers and suppliers

Checks are the top target for payments fraud among all payment types, including plastic.

92% of organizations reportthat fraud cost their company half a percent in total revenue — a $5 million loss on revenue of $1 billion.4

Increases transaction security.

Lowers the risk of fraud.

of Business Card holders say a generous credit line is important, and often used to help run their business.3

78%

of respondents say that insu�cient availability of funds is the main reason for payment delays.2

49.6%

74% of organizationsexperienced check fraud in 2017.4

For your business

Streamlines processing time.

Improves cash �ow compared to checks and

invoices.

Decreases late and missed payments.

of B2B merchants in the U.S. reported frequent late payments by their B2B customers.290.9%

For your buyersHeightens spending power.

Improves buyer satisfaction.

O�ers �exibility when funds may not be available by check, ACH or wire.

To learn more, visit americanexpress.com/B2Bsupplier

The Evolving B2B Payments LandscapeUnderstand the basics to stay ahead of the curve