Corporate Formation & Legal

Payment Method Mix Optimizer — Check vs ACH vs Virtual Card vs Wire

Free payment method mix calculator. Compare check, ACH, virtual card, and wire costs. Optimize your payment channel mix and maximize virtual card rebates.

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Payment Volume

How many total payments does your organization process per month?

Include all outbound vendor payments across check, ACH, virtual card, and wire transfer channels

502,00050,000

What percentage of payments are made by paper check?

Paper checks typically carry the highest per-unit cost due to printing, postage, manual handling, and reconciliation labor

0%40%100%

What percentage of payments are made via ACH?

ACH direct deposits and debits are the lowest cost electronic method but offer no rebate opportunity

0%30%100%

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