Enhanced Payment Process
The partnership will integrate Adflex’s Straight-Through-Processing (STP) service to enable automated B2B commercial card transactions for Coupa’s customers, thereby optimizing the payment process for both buyers and suppliers.
The previous manual process involved suppliers receiving virtual cards via email, which they then initiated within the Coupa platform. With Adflex STP, this manual step is eliminated, reducing the need for additional input from suppliers and minimizing PCI-DSS scope risks.
Adflex STP also allows buyers to control when payments are executed. Payment results are then sent back to Coupa to facilitate automated expense management and ensure timely remittances to suppliers.
Virtually Transforming Transactions
Coupa officials emphasize that virtual cards can extend days payable outstanding (DPO) while maximizing working capital. These tools also help minimize suppliers’ days sales outstanding (DSO) and eliminate the costs associated with cash collection.
This integration aligns with a growing trend where more businesses are adopting virtual cards for supplier payments, enabling better cash flow management, enhanced security, improved reconciliation, and significant rebate revenue.
Emerging Trends in B2B Payments
According to Resolve’s analysis, the global real-time payments market is projected to reach USD 24.91 billion by 2024, driven by digital transaction methods across various industries and countries. Additionally, the international B2B digital payment market is expected to grow at a compound annual growth rate (CAGR) of 35.4% from 2025 to 2032.
This partnership between Adflex and Coupa underscores their commitment to evolving B2B payment solutions in line with these trends.
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