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Home > Business Banking > Cash Management > Commercial Payments
  • Commercial Payments
    AP Solutions

    Generate income1 from your business by automating your accounts payable system and replacing checks with electronic payments - all at no cost to you!

    Get Started!

    To find our more information about AP Solutions, contact TJ Ralstonat 573.634.0832 ext. 2832 or email

    AP Solutions®2 is a web-based card management and reporting system that offers your business a better way to integrate electronic payments into its accounts payable system. This state-of-the-art payables processing  system will allow you to pay invoices more efficiently, have better control of your cash flow, and provide vendors with reporting that enhances their posting process. Best of all, your day-to-day accounts payable operations can remain the same. Your vendors submit invoices and you process and approve them the same way you do today; the only thing that changes is the settlement process.


    • A more automated and streamlined accounts payable process
    • Reduced costs due to fewer checks and more electronic payments
    • Better control of cash flow
    • No change in day-to-day accounts payable operations
    • Secure payments that fit your company’s business rules — less risk of fraud
    • Vendor is not required to currently have a Visa®/MasterCard® merchant acceptance program.
    • Potential for revenue share1
    • No cost to implement


    • Automated electronic payments to vendors
    • Exceptional on-demand reporting
    • State-of-the-art payable processing center
    • No-hassle vendor enrollment
    • Fast and easy payment to vendor’s account through Deposit Pay® or Notify Pay® features
    • Purchase pre-approval process available through P-Log® feature
    AP Solutions is designed for hospitals, municipalities, county government, K-12 schools, higher education, and commercial companies with a minimum of $30 million in sales revenue.

    AP Solutions is offered through Card Services, a business unit of Columbus Bank and Trust, another division of Synovus Bank.
    1) Revenue share based on volume; 2) Subject to credit approval

    Member FDIC