Build the AP payments case with numbers you can defend.
Start with three known inputs. Then tune the operating assumptions, download a polished PDF planning packet, and validate net ROI against your payment file and Finexio commercial terms.
Bring this result to Finexio
Finexio AP payments planning estimate: $203,977 in directional annual impact, including 1,253 labor hours back ($65,176), $18,801 in check and postage hard costs eliminated, and $120,000 in value on issued virtual card spend. The headline excludes avoided fraud-loss estimates and Finexio fees.
Model details and privacy
Assumption version
Finexio planning model v2026.07
Formula note
Uses editable page inputs and visible assumptions. Not a guarantee.
Key assumptions
- Annual B2B spend
- $75,000,000
- Annual supplier payments
- 38,400
- Current paper or check share
- 34%
- Modeled paper migration
- 72% of current paper payments
- Card-eligible spend
- 16%
- Value assumption on issued virtual card spend
- 1.00% of eligible spend
- Check hard cost (postage, stock, handling)
- $2
- Manual payment work
- 8 min/payment at $52/hr
Directional output. Validate against the current supplier file, payment history, implementation scope, contract terms, and Finexio review before using for budget or board materials.
The PDF is generated privately in your browser. Detailed assumptions stay in the copy/download packet and are not added to the contact URL.
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 calculates manual-payment labor from the minutes and loaded hourly cost you enter, then adds a fixed $2 per redirected check for postage, stock, and handling. The $8.93 fully loaded 2023 benchmark is context only and is not substituted into the calculation.
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.