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Welcome to The APA

The APA is a professional body devoted to serving the Accounts Payable/ Purchase Ledger professional community. Here at the APA we are committed to Accounts Payable being increasingly viewed as a separate and distinguishable profession and having a set of certifications to recognise and support this.

Discover the APA certifications and join thousands of likeminded AP professionals across the globe becoming APA certified Technicians and Managers. As an APA member you will also gain access to various tools, resources, surveys, events, jobs and careers advice.

Join us on the journey, which promises to be exciting and rewarding for everyone.

Ready to become an APA member?

We searched High & Low to try and find a guide on what it takes to "Succeed in Accounts Payable", guess what nothing..

So we put a few ideas together on some of the key skills, attributes required to work in one of a businesses most critical areas.

This is where we need your help!! this will be a working document until we have gathered lots of feedback from individuals working at the coal face every day. The ups & downs the battle scars whilst trying to get our invoices approved & paid... plus the endless calls from Suppliers chasing.

We hope to combine these results with our 2017 AP Salary survey so we can continue to raise the profile of Accounts Payable Teams throughout the UK (heck the Globe!)


Dont worry your comments and thoughts will be totally anonymous (unless you are the next budding AP Blogger)

Please help to shape the future of our Industry...


Download our guide now.. Find out what it takes to succeed in Accounts Payable and let us know your views and ideas on what it takes!


Before routinely sending off that electronic payment file for processing, consider the potential revenue about to be lost

As AP professionals well know, the bulk of payment transactions made by businesses in the UK are settled via electronic funds. BACS is the most common form of electronic payment transfer from bank-to-bank, and typically requires three working days to clear. When expedited funds are needed, a CHAPS transfer offers same-day settlement but typically requires a premium fee for this service.

With these well-refined services in existence since 1968 and 1984 respectively, B2B payments in the UK have become nearly frictionless. But if you’re among those comfortable with the status quo and questioning the need for change, consider this: as that electronic payment file transfers to the bank, so does the opportunity to generate significant revenue from those payments. In this article, globalVCard is going to share insight into uncovering that potential.

globalVCard’s Journey to the UK

Since 1989, globalVCard has been at the forefront of corporate payments in North America. The company enables its finance-savvy corporate clients to continually innovate in an area previously thought immune from innovation: accounts payable (AP).

The company’s virtual card payment system was introduced in 2011 and has grown exponentially since – annually processing billions of dollars in corporate payments throughout North America.

Ironically, the technology behind virtual credit cards originated in the UK. While virtual credit card payments have yet to gain traction for B2B payments in the UK, they have evolved into a highly desirable form of payment in the US as businesses have grown to recognize the value of gaining better control over costs and security.

An even greater benefit for globalVCard customers has been the ability to create a new source of revenue, turning AP into a profit center for many companies. This revenue is generated when companies pay their suppliers with a virtual credit card; the company then earns rebate revenue based on that transaction. Although globalVCard clients openly share their initial skepticism in these video case studies, they are also quick to share how those concerns were immediately erased by the discovery that 30-50% of their suppliers enrolled in the virtual card payment program.

As a result, those same CFOs are able to show their Executive Board up to seven figures of new revenue from a department that has previously been considered an unavoidable cost center.

Companies in the UK and elsewhere in the world have been watching this success with great interest. Now, at this opportune time, virtual card technology is coming full circle back to the UK where businesses are also eager to begin realizing similar benefits.

As globalVCard carefully evaluated its imminent global expansion, they chose to begin where demand is the greatest and recently announced the opening of their London office. Although the overall payment process in the UK is generally more streamlined than in the US (where cheque payments remain prevalent), there is still room for improvement with new revenue gains.

Uncovering Your Hidden Revenue Potential

Just as invoices are carefully examined to ensure there are no hidden costs or overcharges tucked away, there is also a case to be made to conduct a similar audit to discover revenue potential hidden in those invoices. As globalVCard is showing their UK customers, at least 30% of those payments likely could be made with virtual credit cards, allowing your business to earn rebate revenue simply by paying your bills.

Naturally, the prospect of bringing about change in financial systems or processes requires close scrutiny, particularly when existing systems do not appear to be broken. Below, globalVCard addresses three of the most common concerns expressed by financial executives who are considering adding virtual card technology to their arsenal of preferred payment methods.

Concern #1: my suppliers won’t accept credit cards

In our increasingly cashless society, the UK Card Association reminds us of the importance of card acceptance, as customers expect to pay for their purchases using a card. Businesses, like consumers, also enjoy the convenience of paying via credit card: it’s quick, easily reconciled, and there’s the added benefit of the reward programs.

Despite this knowledge, businesses have a tendency to assume their suppliers won’t accept card. In reality, 30-50% of them likely already do - you simply need to ask. Better yet, globalVCard will do this for you as part of their full service solution. They’ll even provide a complimentary vendor match before you commit to the program. With your vendor list, globalVCard will conduct an analysis and provide a reasonable estimate of your expected card acceptance rate.  

Concern #2: my suppliers will charge me more to compensate for credit card fees

As discussed above, it is rare to find a business that does not accept credit cards. Most businesses consider card fees as an unavoidable cost of doing business. In a competitive marketplace, the days of vendors charging a surplus fee for credit card payments are on the way out. Why? Because as the buyer, you hold the power. If that supplier doesn’t accept credit card, there will typically be another equally-qualified supplier that will.

Another consideration is that since many businesses already recognize the credit card processing fees as a cost of doing business, they may have already adjusted their pricing accordingly. So if they’ve already increased their prices a couple of percentage points to cover the cost of credit card processing and you pay via cash without discounted pricing, you’re paying a higher price without reaping the reward of rebate revenue that could have been earned on a virtual card payment.

Concern #3: I don’t have time to move my suppliers to a new payment method

The prospect of change – no matter how promising it may seem – is often met with resistance simply because there are not enough hours in the day to take on more tasks. The thought of contacting hundreds, if not thousands, of suppliers to discuss a new payment method can be daunting.

But the good news for globalVCard customers is that they don’t have to. globalVCard provides a full service solution, which includes vendor enrollment. Their specialists will handle your vendor outreach process and get your card-accepting suppliers set up on the new payment system. For your remaining suppliers, you simply continue paying them electronically as you currently do.

So while the time investment will be minimal, the return can be tremendous. Like globalCard’s current customers, you’ll be eager to present your next quarterly report that shows not only full accountability of costs running through your AP department, but also a new and growing line item called ‘revenue.’

More questions?

If you have additional questions, would like to see a demo or take advantage of a complimentary vendor match, contact the globalVCard team below. 

For businesses content with status quo, the current electronic payment process may serve its purpose well. But for businesses with an eye on improving efficiencies as well as bottom-line financial performance through more advanced technology, the future has arrived. Visit globalVCard online to learn more about its award-winning payment system and customer success stories.


For more information complete the form below.


Leading B2B Payments Innovator Opens London Office and Launches Services For European Market


CSI globalVCard, a leading B2B payments company specialising in secure and rewarding payments, today announced that it has expanded services to Europe and has opened a London office, its first move in a planned worldwide expansion. The company plans to roll out its services across additional continents by year’s end. CSI will use the payment issuance capacity of PrePay Solutions (PPS), a subsidiary of Edenred (70% owned by Edenred and 30% by MasterCard), worldwide leader in prepaid corporate services. PPS will bring CSI its unique payment technology to issue and process all CSI virtual cards and wire transfers in Europe.



Expansion outside of North America was sparked by CSI globalVCard’s growing demand from multi-national clients, their increased need for native currency payments, as well as customer service support across local time zones. The global payments market is estimated at $1.2 trillion, of which B2B payments account for $550 billion. Ten percent of organizations make between 20 and 50 percent of their payments to foreign suppliers, and organizations earning over $2 billion in revenue pay the largest percent of their payments to foreign suppliers.

“CSI globalVCard was designed to automate a company’s AP department and transform these departments from cost centers to profit centers,” said Jason Kolbenheyer, Managing Director, CSI globalVCard. “As business practices become increasingly global, it is not only a major step for our company but a critical competitive advantage. Now, with CSI’s Accounts Payable platform our clients can send payments to suppliers across the globe, in multiple currencies all while seeing robust reporting in our dashboard.”

“We are delighted to be able to partner with CSI globalVCard, which is already a leading company in customizable virtual payments in the United States. The CSI globalVCard programme is an exciting addition to our growing operations in Corporate Payments. Entering the European market is a big step forward and we look forward to support them in this strategic expansion,” said Ray Brash, CEO at PrePay Solutions.

CSI globalVCard opened a London office to serve clients within European time zones. Additionally, the company now supports multiple currencies to ensure that each client and their payees can choose their preferred currencies for payments.

For more information about CSI globalVCard, please visit

About CSI globalVCard

CSI Enterprises has provided innovative payment solutions to world leading brands, while providing the highest level of customer service, for nearly 30 years. CSI’s highly secure corporate payment solutions include the globalVCard® electronic accounts payable solution. With one payment file upload, customers can automate 100% of their B2B payables and disburse payments through virtual credit card, ACH, check, or FX with cross-border payments settled in local currency. Learn more at

About PrePay Solutions:

PrePay Solutions (PPS) is a leading global prepaid processor . PPS is a regulated e-money institution and a MasterCard Principal Issuer and is active in 29 countries providing services to more than 50 blue chip organisations. It has clients across the retail, corporate payment, benefits and rewards and expense management sectors.

It is jointly owned by Edenred and MasterCard® Worldwide. Drawing on more than 15 years’ experience and the combined strengths of its shareholders, PrePay Solutions offers a range of payment services including Transaction Processing, eWallet provision, BIN sponsorship, Agency Banking , Compliance and Fraud Services, Customer Services, and Programme Design.


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