Scenario
American Express (Amex) offers interest-free credit to its business customers, but charges suppliers up to 3.5% on credit card transactions.
To avoid these fees, many suppliers offer a 3.5% discount to buyers who pay via bank transfer or direct debit, rather than by card.
This effectively shows that suppliers are willing to pass the cost to customers—or avoid Amex entirely when an alternative exists.
Tupel in Action
Smart Tupel users take advantage of this margin gap:
- The customer receives a 3.5% discount from the supplier for paying via wire transfer.
- Instead of using Amex, they apply for a 90-day Tupel loan.
- Tupel transfers funds directly to the customer’s bank account, enabling immediate invoice payment by wire.
- The customer benefits from the supplier discount and repays Tupel after up to 90 days—with most or all of the financing cost offset by the discount.
Results & Benefits
- ✅ Up to 90 days deferral, at a similar or lower cost than Amex
- ✅ Suppliers receive fast, fee-free wire payments
- ✅ 3.5% early payment discount captured
- ✅ Avoids high Amex processing fees
- ✅ Strengthens supplier relationships and trust
Use Case Summary
By replacing Amex with Tupel financing, businesses unlock longer repayment flexibility while reducing costs and improving supplier terms.
Same working capital benefit — smarter, cheaper, and supplier-friendly.