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    Private Network Transactions

    Private Network Transactions

    Unlock more revenue and efficiency.

    Your CommercePayments® AP Card program offers fast, flexible payments. For suppliers who may decline virtual credit cards, Private Network Transactions (PNT) provide an additional automated payment option. PNT helps convert payments typically made by paper checks into electronic payments, boosting your revenue share potential. Continue to benefit from electronic payments while reducing costs and administrative work associated with checks and manual processes.

    Maximize revenue
    share

    Recover revenue share from suppliers who decline virtual cards, providing an automated alternative to traditional paper checks.

    Managed supplier onboarding

    Our enrollment team proactively contacts these suppliers, offering a straightforward, lower-cost and efficient payment option.

    ERP integration

    Integrate with your business's resource planning system to simplify payment tracking and reduces administrative efforts.

    Private Network Transactions FAQs

    PNT works well when your suppliers decline virtual credit card payments or when those vendors currently receive paper checks. It is also an effective solution if you want to convert check payments into an electronic alternative that generates revenue for your business.
    PNT reduces your team's workload and decreases the time and expenses of check reconciliation. Your team will approve invoices for electronic payment instead of sending, documenting, and following up on paper check processing — allowing you to easily manage increasing transaction volumes and maximizing your revenue share as the business grows.
    You decide when to initiate payments, which allows you to optimize your cash flow. PNT's automated process also helps lower the risks of fraud associated with paper-based payment methods.
    PNT enhances your suppliers’ payment experience. Rather than receiving paper checks, suppliers automatically receive payments through direct deposit with customized remittance details. The process improves their cash flow and reduces their risk of check fraud.
    No, PNT will not impact your current vendor terms. By providing clear and detailed payment information, the service can help foster stronger, more collaborative relationships with your suppliers.

    Ready to learn more?

    PNT is an included service on select CommercePayments® AP Card agreements. We invite you to contact your Commerce Bank representative today to learn how PNT can help simplify your payments and capture more revenue opportunities.

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