The measurement layer for B2B payment operations. Four disciplines. One platform. Every payment decision has an economic outcome. This platform makes them visible.
PY = CR × SA. Capital Return multiplied by Supplier Acceptance. The foundational measurement of economic return from payment operations.
Supplier count by payment method over time. The shift from check to virtual card and stablecoin drives Payment Yield.
Measuring the financial return of embedding payment infrastructure into B2B platforms. The economics of the B2B2B chain: platform, buyer, supplier, and capital layer.
Embedded B2B payments grow from $4.1T (2024) to $16T (2030). Platforms that measure embedded payment economics capture 2–5% commission on payment volumes. This discipline provides the measurement framework.
Measuring AI agent performance against economic outcomes. When agents handle 80% of AP transactions, practitioners govern the 20% that drives Payment Yield.
Percentage of AP transactions handled autonomously by AI agents, measured monthly.
Agents excel at speed, consistency, and pattern recognition. Humans excel at strategic supplier relationships, complex negotiations, and Payment Yield optimization. This discipline defines where each adds the most economic value.
Measuring the economic impact of settlement infrastructure on Payment Yield. When settlement becomes programmable, every variable in PY = CR × SA shifts.
| Rail | Days | Cost/Tx | Finality |
|---|---|---|---|
| Check | 5.2 | $8.50 | Low |
| ACH | 2.1 | $0.35 | Medium |
| Wire | 0.5 | $25.00 | High |
| Virtual Card | 0.1 | $0.00 | High |
| Stablecoin | 0.01 | $0.12 | Instant |
Annual cost per settlement rail at current payment volumes. Shifting spend from check and wire to virtual card and stablecoin reduces settlement costs by 82%.
The Intelligence Platform is in development. Explore the framework now, or schedule a call to discuss how Payment Economics applies to your organization.