Abstract: Various methods, apparatuses/systems, and media for implementing a payment optimizer application module are disclosed. A supplier system accepts a predefined fixed net payment term for all participating buyers on a network. A processor determines weighted average cost of capital (WACC) data of buyer key data points from buyer audited statements data corresponding to a payment file data and WACC data of supplier key data points from supplier audited statements data corresponding to the payment file data. The processor also determines an optimal disbursement date of payment over the predefined fixed net payment term based on the WACC data; applies the stored set of payment rules to determine an optimal payment method corresponding to the WACC data; and automatically executes disbursement of a payment to the supplier in accordance with the optimal disbursement date based on the optimal payment method.