ACCA AP Debit Card: cash back on supplier spend, no surcharge

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As an HVACR professional, you already know where the bulk of your money goes. Refrigerant, compressors, coils, copper, sheet metal. The invoices from suppliers like Trane, Carrier, Ferguson, and your local supply house add up fast, especially during peak season.

And you know what happens when you try to pay those invoices with a credit card. Your supplier hits you with a big old ~3% surcharge fee. So you pay by ACH or check instead, which makes complete sense. But it also means your single biggest expense, the one that runs $250K+ a month for a lot of contractors, earns you absolutely nothing back.

Think about that for a second. You’re spending millions a year at your suppliers and not earning a dime in return.

That’s the problem the ACCA AP Debit Card was built to solve. It earns you unlimited 1% cash back on every dollar of supplier spend, without triggering the surcharge fees that make credit cards a non-starter.

What is the AP Debit Card?

As part of ACCA Business Banking, we’ve added this new debit card designed specifically for paying suppliers. We’re calling it the AP Card. And, it was built for all you contractors who are fed up with card processing fees and tired of watching your ACH and check payments earn you nothing. Here’s how it works:

• 1% unlimited cash back. Every dollar you run through the AP Card earns cash back. No caps, no categories. And if you’re already earning a house rebate from your supplier, don’t worry. This stacks right on top.
• No surcharge. Because it processes like a debit transaction, your suppliers don’t hit you with the surcharge fee.
• It’s not a credit card. There’s no credit check, no line of credit, no interest, and no debt. You fund the card and pay your suppliers the same way you always have. Same account, same rep, same terms.
• It’s totally free. Yes, you heard that right. It’s built to actually pay you.

So, want to see how it could work for your shop? Book a quick call with our team and we’ll walk you through it.

Let’s talk numbers

Still not convinced? Let’s talk numbers. Say you’re running $250,000 a month across your suppliers. That’s pretty standard for a mid-size HVAC operation during the summer.

Usually, if you’re shopping at suppliers like Lennox, Trane, Ferguson, etc. you’d probably avoid using a credit card to not get hit with the surcharge fee.

Now, with 1% back on all of those swipes, that’s roughly $30,000 a year you’re putting back in your pocket. If you’re a bigger shop running $500K+ per month, you’re looking at $60,000 or more. That’s found money you weren’t earning before, the kind that funds a new van, covers a hire, or just hits your bottom line where it counts.

And you’re not changing anything about how you operate. Same vendors, same invoices, same payment schedule. You just pay with the AP Debit Card instead.

Why now?

Peak season is coming to a close. Your supplier spend is probably at its highest point of the year. Every invoice you pay by ACH between now and fall is money you could be earning back.
The contractors who signed up early are already reaping the rewards. This isn’t a future benefit. It’s happening right now.

How does this fit with ACCA Business Banking?

The AP Debit Card is the newest addition to ACCA Business Banking, the same platform that gives you a 3% APY business checking account with up to $3M in FDIC insurance. The debit card now comes as part of that package. And the best part: it’s all free to access. No account fees, no minimums, and no caps on the 1% cash back.

How to get started

Get started by booking a quick call with our team. We’ll walk you through how it works for your specific operation and answer any questions.

Your suppliers are getting paid either way. You might as well get paid too.

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Posted In: Customer Service, Money