4241 / 4238 · Packaging & janitorial supply payment processing

Packaging & janitorial supply payment processing

Virtual cards on national accounts look like paid and behave like a price cut.

A 3% take-rate on a 12% gross margin account is not a convenience fee. It is the account.

Packaging & janitorial supply cash flow

Cut the take-rate on purchasing-card programs so 3% is not the default
Quantified cost-to-serve so sales can defend net pricing
Capital against the remainder that is still on terms

Packaging & janitorial supply financing

Invoice factoring and equipment schedules sit beside processing. We fund performing invoices and shop-floor assets — not a transformation story.

Case study

A named saving on a published DSO, once we have permission to publish. Until then the calculator on this page uses this vertical’s typical card mix. Figures are illustrative.

Cut 0.45–1.5% on qualifying commercial card volume Invoice factoring Equipment financing

Run the fee audit

Typical DSO: 39 days
Typical terms: Net 30–45
Card mix (illustrative): 31%

Run the fee audit before the next processor renewal.

Fee Audit Talk to credit