Build a smarter target payment mix.
Estimate how much paper can move to virtual card, ACH, and FinexioExpress while keeping supplier choice and exception handling realistic.
Methodology and assumptions
The optimizer models a target rail mix from editable payment volume, check share, supplier acceptance, and electronic-payment migration assumptions. Actual rail selection depends on supplier preference, payment eligibility, payment method availability, program scope, and agreement terms.
Inputs this tool uses
- Monthly payment volume and average payment amount.
- Current virtual card, ACH, FinexioExpress, and check share.
- Rough current mix estimates, which the model normalizes when needed.
Outputs to take forward
- Target payment mix across card, ACH, accelerated ACH, and check.
- Estimated checks eliminated and manual cost avoided.
- Payment value assumptions to validate in a Finexio file review.
Frequently asked questions
What is a payment mix optimizer?
It is a planning tool for estimating a target mix across virtual card, ACH, accelerated ACH, and check so finance teams can reduce paper without losing supplier coverage.
Does the optimizer choose rails for each supplier?
No. It models portfolio-level mix. Supplier-level routing depends on supplier preference, eligibility, verification, remittance needs, and program setup.
How should teams use the output?
Use it to compare current and target check share, electronic coverage, card opportunity, and assumptions Finexio should validate against the supplier file.
Want the target mix by supplier?
Finexio can review supplier payment history and recommend a practical rail migration plan for your AP file.