In contrast to distributed Commercial Card products (such as P-Cards that are issued to employees throughout an organization), Electronic Payables (ePayables) is an electronic Commercial Card product issued to credit card network-accepting suppliers. This payment solution is designed to allow end-user organizations the ability to utilize some part of their traditional procure-to-pay (P2P) processes, specifically invoice receipt and approval, prior to payment. ePayables are initiated and managed centrally within end-user organizations, usually by Accounts Payable (A/P).