Financial incentives, often referred to as revenue sharing, were broadly brought to the negotiation table by card issuers in the late-1980s as an enticement for end-user organizations to maximize their Commercial Card usage. However, revenue share incentives are not automatic. Some programs will not meet the minimum qualifications of the card issuer's profitability model and will not qualify for an incentive at all. While revenue shares can be substantial, the real value of Commercial Cards—particularly P-Cards—is the process savings.