Agentic AI ThatPays for Itself.

Pay & Earn picks the best way to pay every approved invoice and earns you up to [X]% back on card-eligible spend. Of course, you still approve every payment & our licensed payments partner moves the money.

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Where It Pays

Every Vendor You
Already Pay.

Your AP team keeps approving invoices the way it does today. Pay & Earn picks up from there and sends each payment the way that earns you the most back.

One workflow for every way you pay vendors.

  • Virtual card
  • ACH
  • Paper checkOnly when a vendor needs one
  • Vendor enrollment link
  • ERP sync
NetSuiteInvoice #4471Northwind Supply

“Approved: $18,400, net 30, 2% discount if paid within 10 days.”

NetSuiteSyncedPayment policyEvaluatingAudit logOpen
The problem

Your Vendors Get Paid. You Get Nothing Back.

Your team does all the work to pay vendors on time, and every payment is pure cost.

  1. Approve
  2. Log into bank
  3. Print checks
  4. Reconcile

  • Checks still cost money

    Issuing one paper check has a median cost of $2.01 to $4, according to the AFP (opens in a new tab).

  • Checks attract fraud

    58% of organizations reported check fraud in 2025, more than for any other payment method (AFP (opens in a new tab)).

  • Discounts slip past

    Only 15% of firms without spend software say they take early-payment discounts all the time (PYMNTS (opens in a new tab)).

What It Does

It Answers One Question First:
What's the Best Way to Pay This Vendor?

Pay & Earn takes over once an invoice is approved. It checks how the vendor can be paid, looks for discount terms and runs fraud checks, all before any money moves.

  1. Invoices go through Blackbee AI's agents and your existing approval workflow. Nothing changes for your AP team.

    Approval chain
    Invoice #4471$18,400
    AP reviewDone
    Controller approval (Maya Chen)Done
    Ready to pay

  2. Blackbee AI matches each vendor to the method that earns the most. That means a virtual card where the vendor accepts one, and ACH or a check where they don't.

    Method options
    Virtual cardAcceptedSelected
    ACHBank details on file
    CheckFallback only

  3. Blackbee AI flags invoices with terms like 2/10 net 30, so you can pay early from your own cash & keep the discount. Skipping that discount costs about 36.7% a year (opens in a new tab) in annualized terms.

    Discount found
    Terms2/10 net 30
    Pay byNov 8
    Discount kept$368

  4. Fraud controls run before any money moves. If a vendor's bank details changed recently, the payment stops and goes to a person.

    Checks passed
    Bank detailsUnchanged in 90 days
    PayeeVerified
    ApprovalOn record
    ResultCleared

  5. Our licensed payments partner sends the payment. Payment status and rebates sync back to NetSuite (opens in a new tab), Sage Intacct (opens in a new tab) or Microsoft Dynamics 365 (opens in a new tab) on their own.

    Payment complete
    Paid by virtual card$18,032
    Rebate earnedUp to [X]%
    NetSuiteSynced
Savings Estimate

Run Your Numbers.
See What Comes Back.

Send us your AP data and we'll show you what your vendor payments could earn back, before you sign anything.

What if we

Paid card-accepting vendors by virtual card?

$[X]
a year on $2.4M of card spend*
What if we

Paid every 2/10 net 30 invoice by day 10?

$20,000
kept on $1M of invoices*
What if we

Replaced 300 checks a month?

$14,400
saved a year at ~$4 a check*

*Illustrative example for a company paying vendors $12M a year, with 20% of that spend going to vendors who accept cards. Your savings depend on your own spend and vendor mix.

Payment Handoffs

Blackbee AI Picks the Method.
Our Partner Moves the Money.

Blackbee AI never holds your funds, and card numbers never touch our systems. Once a payment is cleared, our licensed payments partner handles delivery and vendor support.

  • Pay & Earn picks the method:
  • Virtual card: Vendor accepts cards
  • ACH: Bank details on file
  • Check: Vendor needs paper
  • Human review: Bank change or payee flag

Vendors choose whether to accept cards, and nobody gets moved onto one. Every payment keeps a full audit trail.

Get Started

See What Your Payments
Could Earn Back.

We'll run your real AP numbers through Pay & Earn and walk you through the estimate, live in your ERP environment.

Pay & Earn is coming soon. Rebates apply to card-eligible spend only, and rates will be confirmed at launch.

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