What Is Slow Payments Costing Your Business?
Most business owners focus heavily on the cost of accepting a credit card. But there is another massive cost that routinely gets ignored: the cost of waiting 30, 45, or even 60 days to get paid.
When your customers take weeks to clear an invoice, your business is the one left floating payroll, inventory, materials, fuel, rent, insurance, and daily operating expenses.
This calculator helps estimate the precise financial value of getting paid faster by utilizing a simple, baseline time-value-of-money formula:
For example: If a business has an 8.25% weighted cost of capital and accelerates their invoicing to get paid 27 days faster, that payment acceleration alone is worth roughly 0.61% of the total invoice value back into the business.
See What Faster Payments Could Be Worth
Enter your monthly invoice volume, your current average days to get paid, and your expected payment time with Smart Invoicing. The calculator will estimate the monthly and annual value of getting paid faster.
This is not just about card fees. It is about cash flow, working capital, and reducing the amount of time your business waits for money it already earned. Don't let slow payments stall your company's growth.
See What Faster Payments Could Be Worth
Enter your monthly invoice volume, your current average days to get paid, and your expected payment time with Smart Invoicing. The calculator will estimate the monthly and annual value of getting paid faster.
This is not just about card fees. It is about cash flow, working capital, and reducing the amount of time your business waits for money it already earned. Don't let slow payments stall your company's growth.
What these results mean
If your customers pay faster, your business can actively reverse the negative impact of slow payments and reduce the amount of cash tied up in accounts receivable.
Stop acting like the bank for your customers. With NPSONE Smart Invoicing, businesses can bypass slow payments entirely by sending invoices with secure payment links, letting customers pay online — without waiting for checks, manual ACH instructions, or back-and-forth collection emails.
Stop Waiting. Start Getting Paid Faster.
NPSONE Smart Invoicing helps businesses send invoices, accept payments online, and give customers an easier way to pay. Your customers may want 30 days.
Your customers may want 30 days.
Their credit card can give them that.
Your business does not have to.
This calculator is for informational purposes only and provides an estimate based on the numbers entered. Actual results may vary based on your payment terms, customer behavior, processing costs, borrowing costs, accounting practices, and business operations. Nationwide Payment Systems does not provide legal, tax, or financial advice. Please consult your financial advisor, accountant, or legal professional before making business decisions.
