Abstract: Method for predicting acceptance of a commercial card product can include obtaining data representing a plurality of variables related to payment card transactions for at least one merchant. Each of the plurality of variables can be weighted. Scores for each of the plurality of variables can be assigned based on at least one predetermined threshold. An acceptance score for each merchant can be calculated by combining the scores for each of the plurality of variables for each merchant. Whether each merchant is likely to accept a commercial card product can be predicted based on the acceptance score. Each merchant predicted to be likely to accept the commercial card product can be contacted. Systems, networks, and media are also disclosed.