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Rapid integration and streamlined payments with Universal Acceptance

TreviPay’s Universal Acceptance solution combines the power of Mastercard’s network with TreviPay’s B2B payments technology to deliver scalable, closed-loop, net terms-based purchasing experiences. Drive sales, improve cash flow and accelerate onboarding—all with minimal integration effort.

Kestrel Supply invoice with PO number BL-2291 highlighted in Additional Information, beside order 000018351 and a purchasing card ending 4417, above the SKU line items.

The benefits of Universal Acceptance with TreviPay & Mastercard

Universal Acceptance* simplifies B2B transactions at scale by combining TreviPay’s managed services and payment platform with the global reach of the Mastercard network. Buyers benefit from fast onboarding and a seamless, flexible purchasing experience—while sellers gain predictable cash flow with guaranteed payments and minimal integration. The result: transparency and control for buyers, and scalable growth for you.

*Universal Acceptance is protected by a patent application in the U.S. and elsewhere for TreviPay, owned and operated by Multi Service Technology Solutions, Inc. See www.trevipay.com/patents for more information.

  • Fast & scalable implementation

    If you already accept Mastercard, you can utilize Universal Acceptance for rapid market entry and implementation.

    Deploy the solution across all merchant locations and channels with minimal integration.

  • Improved cash flow with guaranteed payments

    Eliminate collections risk.

    TreviPay ensures predictable DSO by guaranteeing payment—helping you stay financially agile while delivering terms to buyers.

  • Boost B2B sales with net terms

    This closed-loop Pay by Invoice solution increases order volume and fosters buyer loyalty by offering net terms of 30, 60 or 90 days.

    Unlike standard card payments, TreviPay provides detailed, line-item invoicing and Level III data, giving buyers the visibility and control they need to manage budgets and streamline reconciliation.

  • Credit card convenience + business purchasing controls

    Offer the simplicity and trust of a Mastercard-enabled payment experience, while TreviPay’s technology platform preserves the controls and oversight buyers need from a net terms program.

How Universal Acceptance works

Watch the video to explore how TreviPay’s Universal Acceptance enables sellers to offer net terms at checkout with the speed and simplicity of a credit card. No delays. No credit risk. Just frictionless B2B commerce.

Top features: smart features for scalable, seamless payments

Universal Acceptance brings together a co-branded payment experience, fast onboarding and ERP-integrated invoicing to simplify B2B purchasing, while giving buyers and sellers what they need to succeed.

Effortless onboarding with instant decisioning

Buyers are approved in as little as one day and immediately issued Mastercard-branded commercial card credentials for use across all channels.

Application Center row for Bramblewood Site Works LLC: approved in 14 seconds, 75,000 credit requested and 60,000 approved, above two dimmed applications.

Additional features

  • Contract Price Verification
  • Self-Serve Customer Portal
  • Payment Application & Reconciliation
  • Pay-In / Pay-Out in Preferred Currency
  • Voucher & Rebate Management

Featured resources

  • Webinar: The best of both worlds: credit card convenience + net terms control

    Learn how to bridge the gap between what buyers expect and what suppliers can provide by modernizing B2B commerce.

    Watch the webinar
  • Unlocking B2B spend: expand your customer base with Universal Acceptance

    Discover how Universal Acceptance simplifies B2B expansion with an easy integration for flexible terms across all channels.

    Download the eBook
  • Pay by Invoice: a strategic growth lever for modern B2B retail

    B2B buyers expect consumer-like convenience, but need payment options built for business. Pay by Invoice remains a preferred choice, helping companies manage cash flow, approvals and purchasing controls.

    Download the guide

Get answers about Universal Acceptance

Explore how Universal Acceptance transforms B2B transactions with Mastercard-backed acceptance, scalable onboarding and net terms flexibility—without compromising on speed, control or buyer experience.

Is Universal Acceptance a form of Embedded Payments?

Yes, Universal Acceptance is embedded payments in action. It combines TreviPay’s B2B platform with Mastercard’s network to power net terms at scale, with minimal integration. Buyers can complete transactions through your sales channels without ever being redirected.

How is Universal Acceptance different from a virtual card?

Universal Acceptance goes beyond virtual cards. Approved buyers get physical and virtual cards to purchase on net terms across all sales channels—just like with traditional credit cards. Sellers get guaranteed reimbursement while TreviPay assumes credit risk and manages collections.

How does Universal Acceptance utilize the Mastercard Network?

Universal Acceptance enables net terms transactions to be facilitated over Mastercard’s Network. This empowers sellers to quickly launch a net terms and invoicing program with TreviPay with minimal integration work, as long as you already accept Mastercard card payments.

What sales channels does Universal Acceptance support?

Universal Acceptance is an omnichannel solution, meaning that net terms transactions can occur on any of your purchasing channels: in-store, over the phone, online and even via ERP.

Do I need to accept Mastercard to use Universal Acceptance?

Yes, to utilize TreviPay’s Universal Acceptance solution, your business must accept Mastercard. This requirement ensures rapid and simple integration, allowing you to quickly extend net terms financing to your B2B customers with minimal technical setup, offering the convenience of credit card payments and the versatility of TreviPay’s Pay by Invoice.

What types of business are a good fit for using Universal Acceptance?

Universal Acceptance is ideal for B2B businesses in retail, manufacturing and corporate travel. It’s also great for companies with multiple sales channels or locations due to easy implementation. It enables fast onboarding, streamlined net terms, and broad acceptance via Mastercard.

What does the integration process look like using Universal Acceptance?

If your business already accepts Mastercard, implementation is straightforward, just provide TreviPay with the Merchant IDs you’d like to use for Universal Acceptance transactions. To support Level III data, you’ll also need to pass that data along. If that’s not possible, we can collect it through alternative methods such as receipt information or API. This streamlined approach minimizes implementation time and upfront costs, enabling fast onboarding and seamless transactions via the familiar Mastercard Network.

Are Universal Acceptance transactions secure?

Yes, Mastercard transactions are secure. Universal Acceptance leverages Mastercard’s global payment network, ensuring that all transactions are authorized, cleared, and settled using established, secure infrastructure. Additionally, TreviPay implements industry-standard measures to protect personal information from unauthorized access, use, alteration and disclosure .

Does Universal Acceptance support international transactions?

Universal Acceptance supports global B2B commerce with features like multi-currency support, localized invoicing, and region-specific compliance to facilitate seamless international transactions.

How is a Universal Acceptance implementation different than a standard TreviPay implementation?

Universal Acceptance integration is fast and simple, just share your Mastercard Merchant IDs. In contrast, TreviPay’s standard implementation offers fully customizable, end-to-end platform integrations designed for businesses with more complex requirements.

How is Universal Acceptance different than All-in-One Payments?

Universal Acceptance is ideal for merchants needing fast, easy B2B payment acceptance. All-in-One Payments offers a more robust solution with payment orchestration options for integrated card processing.

Explore more of TreviPay’s solutions

Looking for tailored payment solutions? See how TreviPay’s embedded payments, credit management and global invoicing solutions can transform your business.

  • B2B payments

    TreviPay streamlines B2B payments with net terms, integrations and guaranteed payments for growth.

    Explore B2B payments
  • A/R automation

    TreviPay automates accounts receivable to streamline credit, invoicing and collections for maximum efficiency.

    Explore A/R automation
  • Credit & risk

    TreviPay’s credit decisioning uses 30+ databases for instant risk assessment and compliance checks.

    Explore credit & risk
  • Collections management

    TreviPay manages collections, automates workflows and protects relationships as you scale.

    Explore collections management
  • Invoicing

    TreviPay boosts invoicing efficiency, cuts manual tasks and ensures global billing compliance.

    Explore invoicing
  • Digital transformation

    TreviPay drives B2B digital transformation by automating payments and invoicing for seamless scaling.

    Explore digital transformation

Discover the power of Universal Acceptance

Want to simplify B2B purchasing? Download our Universal Acceptance eBook and learn how to pair credit card ease with net terms control to drive buyer loyalty, improve cash flow and accelerate growth.