Additive Value Calculator

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SmartPayNow™ Additive Value Calculator

Model the combined financial benefit of your existing SmartPay rebates plus SmartPayNow™ prompt payment retention — at your agency's actual spend levels.

Agency-level and total program scale views
Live same-day liquidity gain at your cost of funds
Additive model — card-present rebates fully preserved
SmartPayNow™ prompt payment adoption rate modeling

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Paperless Innovations, Inc.

Treasury FM QSMO First-Source Designated · FedRAMP Moderate Authorized

SmartPayNow™ Additive Value Summary

Paperless Innovations — SmartPayNow™

Additive Value Calculator

Agency retention locked at 100 bps

Your agency — annual SmartPay spend

Annual SmartPay spend$500M

Current rebate rate (bps)119 bps

Rebate payment lag (days)90 days

Non-card eligible contract & discretionary spend (est. multiple of card)6x

Agency cost of funds (%)5.00%

Agency retention — SmartPayNow™100 bps

SmartPayNow™ prompt payment adoption rate

% of non-card eligible spend electing prompt payment 25%

5–30%31–75%

Additive value — stacked comparison

SmartPay rebate (existing) SmartPayNow™ retention (new)

Next steps

Download a summary of your model results, or schedule a live demo with the Paperless Innovations team.

Schedule a demo

Ready to see SmartPayNow™ in action at your agency?

Schedule a demo: calendly.com/actus-sales/demo