Your biggest business expenses don’t have to cost you as much as you’re paying for them.

CCD Commerce is a payment optimization program, a suite of tools that converts how your business pays its largest obligations into a working capital and rewards advantage.

30–45 day payment floaton eligible transactions

Zero feeto the vendor on ACH delivery

Works for any business typeany industry

Every business has fixed, recurring expenses: rent, suppliers, utilities, taxes, insurance. Most of those vendors don’t accept credit cards.

The Commerce Engine changes that. Pay any vendor, through any channel, using your existing credit card, and turn necessary expenses into cash flow float, rewards earnings, or both.

Three paths. One outcome: your expenses work harder than they did before.

01

Credit Card to ACH

Convert any credit card to an ACH payment at zero fee to your vendor, even where card payments are not traditionally accepted. Use a card you already earn rewards on, or learn more about our cash back reward programs that can help you offset the transaction cost, break even, or come out slightly ahead. (See VendorPay Direct Page)

02

Rewards Optimization

Already have a business credit card with rewards or a sign-up bonus? The Commerce Engine helps you route your largest fixed expenses through it, vendor payments, rent, taxes, insurance, turning obligations you’d pay anyway into points, cash back, or sign-up bonus progress. Our advisors will show you which card structures produce the highest net return for your spend profile.

03

Cash Flow Float

When your vendor payment is due before your revenue arrives, the Commerce Engine creates a 30–45 day payment window, giving you time to collect receivables, process reimbursements, or manage seasonal cash gaps without taking on new debt. The vendor gets paid immediately. You get breathing room.

The math most businesses have never run.

A small transaction fee to convert a vendor payment from ACH to credit card sounds like a cost. It’s not always. When your card earns cash back at a rate equal to or greater than the fee, the net cost is zero, and you still gain the 30–45 day float. When you’re working toward a sign-up bonus on a new business card, a single large vendor payment can generate hundreds or thousands of dollars in earned value that far exceeds the transaction fee. CCD advisors model this for you based on your actual spend, your current card, and your goals, before you commit to anything.

A $6,000 vendor payment routed through the Commerce Engine using a business card with a $750 sign-up bonus:

Transaction fee$174 (2.9%)
Bonus earned$750
Net value to business+$576

A necessary payment becomes a profit-generating transaction. That’s the Commerce Engine.

What businesses use the Commerce Engine for.

  • Supplier and vendor payments (inventory orders, distributor invoices, wholesale accounts)
  • Commercial rent and lease payments
  • Estimated quarterly and annual business taxes
  • Business insurance premiums (liability, malpractice, commercial property)
  • Utilities and recurring service contracts
  • Any large, non-negotiable B2B payment that doesn’t normally accept credit cards

CCD Commerce Frequently Asked Questions

CCD Commerce is CCD’s payment optimization program. It converts how your business pays its largest fixed obligations, vendor invoices, rent, taxes, insurance, into a cash flow and rewards advantage. Using your existing business credit card, you can pay vendors who don’t normally accept cards, earn rewards on expenses you’d pay anyway, and extend your effective payment timeline by 30–45 days.

The payment conversion carries a small transaction fee, and delivery fees vary by method (ACH, check, or wire). The vendor receives 100% of the payment at zero cost. For many businesses, the rewards earned or float gained more than offset the fee, and in sign-up bonus scenarios, the net return can be significantly positive. CCD advisors will model the specific economics for your business before you commit.

Any business with large, recurring fixed obligations, particularly payments to vendors or suppliers that don’t accept credit cards. CCD Commerce is industry-agnostic: it works for healthcare practices, pharmacies, restaurants, construction companies, manufacturers, retailers, agricultural operations, and general SMBs. If you have significant B2B expenses, there is likely a CCD Commerce strategy for your business.

No. You can use any existing business credit card. If you want to maximize the return, particularly through rewards or sign-up bonuses, our advisors can recommend card structures that produce the best net outcome for your specific spend patterns. We model it for you based on your actual expenses.

The vendor receives payment via their preferred method, ACH/EFT, paper check, or wire transfer, at zero cost to them. From the vendor’s perspective, they received a normal payment. CCD Commerce operates on your side of the transaction.

Your capital strategy, handled. At no cost to you.

Talk to an advisor