# Commercial Direct Payments
source: https://developer.mastercard.com/track-umbrella-page/product/commercial-direct-payments/index.md

### Key benefits {#key-benefits}

Integrate with Mastercard Commercial Direct Payments to improve operational and working capital efficiencies for your commercial customers through automated card payment processing and reconciliation.
![Enhance working capital](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/enhance_working_capital.svg)

###### Improved straight-through processing (STP) {#improved-straight-through-processing-stp}

ISO 20022 reduces manual inputs in financial transactions, resulting in faster, and more accurate data exchange.
![Improve efficiencies](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/improve_efficiencies.svg)

###### Improve efficiencies {#improve-efficiencies}

Reduces manual intervention, leverages enriched payment data, and automates AP/AR processes.
![Enhance working capital](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/improved_cash_flow.svg)

###### Enhance working capital {#enhance-working-capital}

Accelerates acceptance, increase cash flow, and drive additional revenue.
![Optimize payments](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/spend_strategies.svg)

###### Optimize payments {#optimize-payments}

Improves the way businesses pay or get paid with increased control and security.

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### How it works {#how-it-works}

Commercial Direct Payments enables payments-related data flows that are fast, transparent, and secure.

![How it works](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/PLP_how-it-works.png)

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### Characteristics {#characteristics}

![Enhance working capital](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/virtual_card.svg)

Debtor Agents can use multi-branded real and virtual cards as the payment initiation API is card agnostic.
![Enhance working capital](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/digital_first.svg)

Commercial Direct Payments supports straight-through-processed (STP) and non straight-through-processed (non-STP) payment methods.
![Enhance working capital](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/best_in_class_processing.svg)

ISO 20022 format of Commercial Direct Payments API is more adaptable to emerging technologies, economic changes, and innovation.

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### Use cases {#use-cases}

![Exchange payments-related data](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/exchange_payments.svg)

###### Exchange payments-related data {#exchange-payments-related-data}

Buyers can send rich payment and remittance data to suppliers and retrieve supplier payment preferences.
![Receive early payments](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/receive_early_payments.svg)

###### Receive payments faster {#receive-payments-faster}

Suppliers can receive payments quickly by making card acceptance preference information available to buyers.
![Receive notifications](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/receive_notifs.svg)

###### Receive notifications {#receive-notifications}

Buyers and suppliers can receive timely event notifications about transaction and payment statuses.

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### Why use it {#why-use-it}

###### Efficiency {#efficiency}

Reduce the amount of time spent manually processing reconciliations  

### 11 hours \| Up to 15 people

required to manage a single invoice reconciliation

Optimizing Commercial Payments in the Digital Age, Payments Journal, 2023

###### Automation {#automation}

Lower payment processing costs by digitizing the accounts receivable process  

Check processing costs  

### $38 vs. $13

to process virtual card payments

PYMTS The Innovation Gap: Meeting The Challenge of Corporate Payments Modernization, 2022

###### Risk {#risk}

Reduce the risk of payment fraud, adhere to PCI standards and see virtual card payments across all buyers in one secure, easy-to-access portal  

Nearly

### $2.5 billion
<br />

was lost due to email-related compromises that resulted in a fraudulent payment annually

Optimizing Commercial Payments in the Digital Age, Payments Journal, 2023
QUICK START

#### Build in minutes {#build-in-minutes}

Our Quick Start Guide allows developers to quickly see how our APIs work and discover what is possible.
Payment Initiation Quick Start Guide Payment Acceptance Quick Start Guide ![Mastercard image](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/media-card.png)

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### Resources {#resources}

Payment Initiation

Learn how to securely initiate standardized B2B card payments using real and virtual cards

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**Used
By** Issuing Service Providers and Issuers **Regions** Global **Supports** ![mastercard card](https://developer.mastercard.com/img/card_mastercard.svg)![maestro card](https://developer.mastercard.com/img/card_maestro.svg)![visa card](https://developer.mastercard.com/img/card_visa.svg)![amex card](https://developer.mastercard.com/img/card_amex.svg)![diners card](https://developer.mastercard.com/img/card_diners.svg)![discover card](https://developer.mastercard.com/img/card_discover.svg)![jcb card](https://developer.mastercard.com/img/card_jcb.svg) Payment Acceptance

Learn how to securely receive and process standardized B2B card payments using real and virtual cards

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**Used
By** Acquiring Service Providers and Acquirers **Regions** Global **Supports** ![mastercard card](https://developer.mastercard.com/img/card_mastercard.svg)![maestro card](https://developer.mastercard.com/img/card_maestro.svg)![visa card](https://developer.mastercard.com/img/card_visa.svg)![amex card](https://developer.mastercard.com/img/card_amex.svg)![diners card](https://developer.mastercard.com/img/card_diners.svg)![discover card](https://developer.mastercard.com/img/card_discover.svg)![jcb card](https://developer.mastercard.com/img/card_jcb.svg)

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