B2B Payments with Visa’s Roger McNamera: Unlocking Growth Through Smarter Acceptance Strategies
In a recent episode of B2B Vault – The Biz-to-Biz Podcast, presented by Nationwide Payment Systems, host Allen Kopelman sat down with Roger McNamera, Director of B2B Acceptance at Visa, to discuss one of the fastest-growing areas in the payments industry: B2B payments.
They explored how modern payment strategies can help businesses:
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Improve cash flow
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Reduce risk
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Streamline large transactions and invoice collections
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From Restaurants to Visa: A 28-Year Friendship
Allen shared a personal story of meeting Roger nearly 30 years ago—when Roger was an American Express rep and convinced him to start accepting Amex at his restaurant in Boca Raton.
Fast forward to today, and Roger now manages over $60 billion in B2B spend at Visa, helping U.S. businesses modernize their payment acceptance strategies.
Why Time Is Money in B2B Payments
Roger emphasized a key point: “The time value of money is critical.”
Many B2B companies still rely on Net 30, 45, or 60-day terms—but that ties up cash flow and creates unnecessary risk. By encouraging customers to pay with a credit card and offering Net 15 terms instead, businesses can get paid faster and operate more efficiently.
Benefits of Faster Payments via Credit Card:
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Lower Cost of Capital: Processing fees may cost less than interest from loans.
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Reduced Risk: Faster payments mean fewer collections and bad debts.
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Protection Against Inflation: Cash today is worth more than cash later.
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Tax Deductibility: Fees are often tax-deductible.
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Interchange Savings: With Level 2 and 3 data, rates can drop below 1.5%.
👉 Watch the Full Podcast Episode on YouTube
Why More B2B Businesses Should Accept Cards
Visa and Nationwide Payment Systems are working to correct a major myth: that credit card acceptance is too expensive for B2B transactions.
In reality:
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Virtual and corporate cards are becoming the norm in B2B.
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Buyers enjoy float and rewards from card usage.
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Sellers benefit from faster payments, fewer receivables, and improved cash flow.
Real-World Success: Cutting Receivables and Boosting Morale
Allen shared stories of clients who drastically improved their operations by modernizing how they accept payments.
Key Strategies That Worked:
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Sending invoices with secure payment links
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Using DocuSign to streamline approvals
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Offering early payment discounts for card use
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Implementing dual pricing or surcharging (within compliance)
One client reduced outstanding receivables by $250,000, simply by switching to automated card-on-file billing.
Tech + Education = B2B Transformation
The B2B payments landscape is changing fast. Here’s how modern technology is helping:
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ERP and CRM systems now integrate native payment features
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No-code portals and hosted pages make PCI compliance easier
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APIs and webhooks allow real-time invoicing and reconciliation
As Roger put it:
“The B2B ocean is wide open—where the consumer pool is fully subscribed. There’s room for everyone to succeed.”
Why the Time Is Now
If your business is holding receivables, you’re acting like a bank—and that’s risky.
Both Allen and Roger agreed: Smart card acceptance is one of the best tools to:
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Get paid faster
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Lower financial risk
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Improve operational efficiency
🎧 Listen to the Full Episode
Catch the full conversation on your favorite platform:
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Spotify
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Apple Podcasts
💬 Ready to Accept B2B Payments Smarter?
Nationwide Payment Systems helps B2B businesses across industries:
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Optimize Level 2 & 3 interchange
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Accept virtual cards and ACH
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Build custom no-code portals and payment links
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Improve cash flow and reduce receivables
📞 Contact us today or schedule a demo to see how we can help your business grow with smarter B2B payment strategies.
CLICK HERE TO FIND MORE ABOUT OUR PROGRAMS
FAQ: Frequently Asked Questions
What are B2B payments?
B2B (business-to-business) payments are transactions made between two businesses for goods or services. These payments are often high-value and involve invoices, purchase orders, and longer payment terms like Net 30 or Net 60.
Why should B2B businesses accept credit cards?
Accepting credit cards allows B2B companies to get paid faster, reduce outstanding receivables, lower risk of non-payment, and improve cash flow. Cards also offer automation and reporting benefits, especially when used with Level 2 and Level 3 data.
Isn’t credit card acceptance too expensive for B2B?
Not necessarily. While card fees exist, the benefits often outweigh the costs. With the right setup—such as passing Level 2 or Level 3 data—interchange rates can drop significantly, sometimes below 1.5%. Faster payments also reduce collection efforts and financing costs.
What is Level 2 and Level 3 data in credit card processing?
Level 2 and Level 3 processing refers to providing enhanced transaction data (such as item details, tax, or customer codes) during payment. This qualifies the transaction for lower interchange fees, making it ideal for B2B transactions.
What are virtual cards and why are they important for B2B?
Virtual cards are digital versions of physical credit cards used for one-time or recurring B2B purchases. They improve security, reduce fraud, and streamline vendor payments—especially when integrated into accounting or ERP systems.
