Build the AP payments case with numbers you can defend.
Start with three known inputs. Then tune the operating assumptions, download the model, and validate net ROI against your payment file and Finexio commercial terms.
Advanced assumptionsTune payment work, eligibility, and program value.
Operational model: 72% of current paper payments move out of the manual workflow.
Headline discipline: avoided fraud losses and Finexio fees remain outside the benefit estimate.
Methodology and assumptions
This calculator is a directional gross-benefit model based on editable assumptions for manual payment cost, check share, payment mix, and card-eligible value. It excludes avoided fraud-loss estimates and Finexio fees from the headline. Net ROI and payback require a validated commercial proposal.
The model uses the greater of the user-estimated labor cost or the $8.93 fully loaded 2023 benchmark. It does not add both together.
Inputs this tool uses
- Annual AP spend and monthly supplier payment volume.
- Current paper or check share and manual handling assumptions.
- Card-eligible spend and payment-program value assumptions.
Outputs to take forward
- Directional annual impact range to discuss with finance leaders.
- Paper payments in scope and manual payment cost drivers.
- A focused list of assumptions Finexio should validate against the payment file.
Frequently asked questions
What does the AP Payments ROI Calculator estimate?
It estimates directional annual benefit from manual payment work, check reduction, labor assumptions, AP spend, payment volume, and card-eligible payment value. Avoided fraud-loss estimates are excluded from the headline.
Is the ROI output a guaranteed savings figure?
No. It is a planning model. Final economics depend on supplier acceptance, payment eligibility, payment mix, implementation scope, and agreement terms.
Who should use this calculator?
CFOs, controllers, AP leaders, treasury teams, and operations stakeholders can use it to prepare a more concrete Finexio discovery conversation.
Recommended next steps
Bring this model to a live consultation.
Finexio can validate assumptions against your payment file, supplier base, payment method mix, and implementation scope.