Mid-Market Firms Modernize Receivables, Preserve Revenue
New data from the 2025–2026 Growth Corporates Working Capital Index: North America Edition, by PYMNTS Intelligence and Visa, shows mid-market firms that modernize receivables with automation, AI and card acceptance materially outperform peers in profitability and cash-flow stability. The report finds Canadian firms lead faster commercial and virtual card adoption than U.S. peers, reducing days sales outstanding and revenue losses, signaling receivables redesign as a strategic priority.
Key Points
- 1Showcases widening receivables performance gap between modernized and legacy mid-market firms
- 2Highlights faster adoption of commercial/virtual cards in Canada, reducing revenue losses compared with U.S.
- 3Signals AI, automation and card acceptance provide immediate DSO and cash-flow improvements for practitioners
Scoring Rationale
Strong industry-backed data and actionable recommendations, but limited novelty beyond documenting adoption gaps and execution advantages.
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