
Coupa is positioned as a Leader in the first-ever IDC MarketScape for Worldwide Embedded Payment Applications 2024–2025 Vendor Assessment. Coupa was recognized for strengths in Coupa AI and deep payment flexibility and security. We believe this recognition emphasizes Coupa’s unwavering commitment to delivering an innovative, efficient, and secure payment solution, Coupa Pay, seamlessly integrated within our AI Total Spend Management platform.
The IDC MarketScape notes, “Coupa can process payments in full on behalf of the customer. All payments processed in Coupa are integrated back into the ERP with the appropriate payment batches and payment numbers.” Download the excerpt here.
The importance of embedded payment applications
With rising globalization, evolving regulations, and supply chain complexity, organizations need payment solutions that can handle diverse currencies, cross-border transactions, and stringent compliance demands. Embedded payment applications provide the scalability and adaptability needed to navigate these challenges while fostering stronger supplier relationships through faster, more reliable payments. They’re also revolutionizing financial workflows by enabling businesses to seamlessly manage critical processes like source-to-pay and AP automation within existing systems. By integrating essential services such as banking, lending, and payments, these solutions eliminate the reliance on external platforms, reducing manual processes and blindspots while enhancing accuracy and operational efficiency. These comprehensive, all-in-one solutions allow organizations to optimize workflows without leaving their core applications, enhancing real-time transparency and actionable insights.
Why Coupa was recognized in embedded payments
We believe Coupa’s recognition as a Leader reflects our ability to deliver a best-in-class embedded payment solution that seamlessly integrates with key workflows, including source-to-pay, AP automation, expense management, and treasury management. Standout features of Coupa’s payment capabilities include:
- Comprehensive payment rails: Coupa processes payments via domestic and cross-border channels, supporting digital and physical checks, virtual cards, ACH, and wire transfers — all from one centralized payment hub.
- AI-powered insights: Coupa leverages community-driven AI based on over $7 trillion in transactional spend data across its platform to enhance fraud detection, optimize working capital, improve invoice cycle acceleration, benchmark supplier performance, simplify supplier onboarding, and more.
- Deep integration and security: Payments processed in Coupa are integrated back into ERPs with the appropriate payment batches and payment numbers, and they’re automatically reconciled with a purchase order (PO), invoice, or supporting document. This ensures real-time visibility and control. Automatic security controls, such as two-factor authentication and approval workflows, protect every transaction.
High-performing customers in the Coupa community achieve an average payment batch approval cycle time of 1.9 business hours and pay 95.8% of invoices digitally. By integrating embedded payments with our AI Total Spend Management platform, Coupa empowers businesses to:
- Boost the bottom line through virtual card rebates, early payment discounts, and lower transaction fees.
- Eliminate chronic inefficiencies and administration costs by reducing payment processing time and accelerating payment cycles.
- Improve payment security and fraud detection.
- Enhance supplier relationships with flexible and fast payment options.
- Optimize cash flow and enhance liquidity by extending days payable outstanding (DPO).
These features and capabilities enable organizations to streamline payment operations, boost efficiency, reduce costs, and gain unparalleled visibility into their spend.
Vacasa transforms its payments with Coupa
For Vacasa, a rapidly growing vacation property management company, Coupa’s embedded payments were instrumental in driving transformation. With over 44,000 homes under management and 70,000 invoices processed monthly, Vacasa needed a scalable, efficient payment system to support its operations across five countries.
Using Coupa Pay, Vacasa reduced its payment processing time from 15 days to under three days — a game-changer for its diverse network of suppliers across 400 vacation destinations. The introduction of digital checks enabled Vacasa to meet supplier demands for immediate payment, providing a competitive edge in the vacation rental market. Using Coupa, Vacasa successfully achieved its initial public offering (IPO) while implementing an efficient payments solution that supports its exponential growth and empowers the company to scale and expand into new markets. Additionally, Coupa’s platform has allowed Vacasa to recover expenses efficiently and maintain transparency with homeowners.
Drive margin impact with Coupa’s AI Total Spend Management platform
Coupa’s holistic AI Total Spend Management platform enables Coupa AI and embedded payments to work seamlessly together, unlocking their full potential to drive efficiency, security, and financial intelligence. By integrating payment processes with procurement, expense, and treasury management on a single platform, businesses gain unparalleled visibility and control over their cash flow. This unified approach optimizes operational excellence, reduces risk, and empowers companies to make more informed, cost-effective financial decisions — ensuring scalability and resilience as they grow in an increasingly complex economic environment.