Capabilities in Context: A Value Chain Analysis of AP and AR Providers

Payment providers looking for integration and partnership opportunities with accounts payable and accounts receivable vendors are well-advised to assess those potential connects on workflow adjacency rather than broad solution categories. This can be done by mapping providers to value chain components, highlighting opportunities to integrate payment execution and liquidity tools into AP/AR platforms that don’t currently monetize those flows. This approach can help banks and networks play roles that add value, such as delivering working-capital options and data insights, thus enabling commercial payments teams to provide value at key control points in the payables and receivables lifecycles. 

This Javelin Strategy & Research report maps the commercial landscape of AP and AR technology providers from vendor onboarding and invoice capture to cash application and reconciliation. It segments the market into four groups: payables automation overlays, order-to-cash platforms, end-to-end ERP suites, and payment hubs. Each provider is assessed based on the elements of the value chain it supports, noting also whether it monetizes through software as a service, network value-added services, payments, or a combination of all these elements. It offers a structured reference for identifying integration opportunities and platform gaps relevant to banks, networks, and embedded payments teams.

Key questions discussed in this Commercial & Enterprise report: 

• What are the providers and their capabilities in the accounts receivable and accounts payable space?
• How can mapping those capabilities to the value chain help in assessing providers?
• How can payment teams, platform teams, and investment teams use the value chain mapping in their decision-making? 

Companies Mentioned: 

AvidXchange, Basware, Billtrust, BlackLine, Bottomline, Corpay Nvoicepay, Coupa, Emagia, Esker, FIS GETPAID, HighRadius, Infor CloudSuite, Kyriba, Medius, Microsoft Dynamics 365 Finance, MineralTree, OpenText, Oracle, Oracle NetSuite, Quadient, SAP, Sage Intacct, Sidetrade, Stampli, Tipalti, Tradeshift, Versapay, Workday