Commercial payment infrastructure is becoming a strategic battleground as enterprises look for new ways to manage liquidity without relying on expensive lending facilities. PingPong’s new partnership with Visa reflects a wider push across the B2B payments industry to turn commercial card networks into working capital tools, allowing businesses to stretch payment cycles while suppliers continue receiving funds through traditional bank transfers.
Embedded financial infrastructure provider PingPong has announced a partnership with Visa to launch its Card-to-Account Payment Solution, a new Business Payment Solution Provider (BPSP) offering. This technology lets corporate enterprises pay supplier invoices using their existing commercial credit cards, even when the receiving supplier doesn’t accept card payments. The solution has gone live across the United Kingdom, the European Union, and Hong Kong, with scheduled rollouts to the United States and Singapore continuing across 2026. PingPong is one of only three foundational providers selected by Visa for this BPSP initiative, chosen for its licensing depth, compliance frameworks, and international payout capabilities.
The platform directly addresses working capital constraints faced by mid-market and enterprise finance teams, where bank financing remains expensive, and many B2B suppliers resist card acceptance due to processing fees. Through the BPSP infrastructure, buyers process the payment via their commercial card rail. The supplier receives the funds via a standard, friction-free bank transfer within 0 to 2 days, depending on the currency. This framework requires zero supplier onboarding or modifications to existing accounts payable workflows, allowing buyers to extend their working capital cycles by up to 45 days without adding new debt to their balance sheets.
The system provides flexible deployment pathways, allowing corporate treasury teams to initiate transactions immediately via PingPong’s web portal with no integration or to embed the capability directly into existing Enterprise Resource Planning (ERP) and Treasury Management Systems via an API connection. Because PingPong operates a vertically integrated model, it owns the entire transactional chain from initial card acquiring through to the final supplier payout, eliminating third-party dependencies that typically cause settlement delays in legacy BPSP systems.
David Messenger, CEO of Global Businesses at PingPong, stated that the solution bridges a major gap in commercial spend by pulling traditional invoices into the card ecosystem. Lucy Demery, SVP and Head of Visa Commercial Solutions in Europe, added that the collaboration extends the utility of commercial card rails beyond traditional merchant acceptance boundaries to optimise cash flow flexibility for both buyers and suppliers.
What this means for the industry
- B2B card payments are moving beyond traditional merchant acceptance models into invoice and supplier payment infrastructure.
- Enterprises are increasingly looking for embedded working capital solutions that avoid new borrowing while improving cash flow flexibility.
- Supplier resistance to card acceptance remains a major friction point in global B2B payments, creating demand for intermediary BPSP models.
- Treasury and finance teams are prioritising payment tools that integrate directly into ERP and treasury management systems rather than standalone finance platforms.
- Visa’s decision to work with a limited number of foundational BPSP providers signals growing competition around enterprise payment orchestration infrastructure.
- Fintech firms with licensing, compliance, and cross-border payout capabilities are becoming critical partners for global commercial payment networks.
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