How It Works

How Your Supplier Gets Paid

When you decide to pay a vendor, money is transferred from your bank account to fund a virtual card. Once funded, you send a virtual card securely to your vendor. Your vendor processes it on their end like any other charge card.

How You Get Paid

Suppliers who accept credit cards pay processing fees. These fees are negotiated between the vendor and their card processor. The fees go to three places: the vendor’s bank, the Visa/Mastercard network, and the bank that issued the card used to make the payment. When you use Paybaks, the issuing bank (MetaBank) gives a chunk of their fee to BluePenguin, who pays you.

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