A buyer's bank sends a payment notification. Your clerk searches for the password, opens the portal, copies a 16-digit number, keys it into the terminal, retrieves the amount, and moves on. Different buyer, different portal, same five to fifteen minutes.^[1]

Multiply that across a week. That's the real cost of accepting virtual cards, and it has nothing to do with interchange.

Why your team pushes back

When Visa built AR Manager, they expected four or five common email formats from issuers. Suppliers sent them hundreds. Every buyer, every AP platform, every bank has its own.^[1]

The friction shows up in three ways:

• No two issuers share a portal, template, or remittance format.
• Storing card data expands your PCI scope.
• Single-use cards force a manual match between card and invoice, every payment.

The settlement is guaranteed. The work isn't.

A check can bounce. A virtual card can't.^[2] But settlement certainty doesn't pay your clerk for the keystrokes. 60% of companies say their virtual card processing has room for improvement.^[3]

Your buyers are already moving spend

80% of finance leaders prefer suppliers that accept virtual cards, and nearly 60% would switch vendors to find one.^[4] That's a procurement signal already steering RFPs and renewals.

What Visa AR Manager does

One onboarding step. Every virtual card payment after that lands in your ERP automatically.

No portal logins. No retyping card numbers. No reconciling email formats by hand. The tool works with every issuer, every acquirer, and every supplier.