The world’s best fintech B2B payment providers

  • Stripe Connect is a payment platform powered by Stripe designed for marketplaces, platforms, and software-as-a-service (SaaS) companies to support transaction processing between businesses and their partners.
  • Adyen’s systems support multiple payment methods and can be localised across borders, which helps to reduce costs, shorten time-to-market, and increase payment success rates.
  • Tradeshift has launched ‘Tradeshift Pay’, the industry’s first end-to-end supply chain payments and finance solution, which integrates bill payment, supply chain finance, and blockchain-based early payment capabilities.

B2B payments are a fast-growing segment in the financial technology (fintech) space, where technological advances have led to the emergence of a variety of innovative solutions aimed at streamlining business-to-business payment processes, improving efficiency, and reducing costs.

Also read: Digital bank Onyx Private shuts down retail services, shifts focus to B2B

Stripe Connect

Stripe Connect is an advanced platform provided by Stripe, designed specifically for processing B2B (business-to-business) payments, enabling businesses to securely manage the flow of funds between multiple merchants.

Stripe Connect allows one Stripe account to receive funds on behalf of another Stripe account, similar to the payment model of Uber or Lyft. This setup is useful in the sharing economy, marketplaces, or any situation where third-party payments need to be processed.

Stripe Connect offers robust API (application programming interface) support that enables organisations to customise the payment experience to meet specific business needs. Through Stripe Connect’s API, organisations can create and manage payment links that can be used to collect payments directly from customers. Organisations can use the API to control access, such as deciding whether to allow third-party apps to access their Stripe account data through Stripe Connect.

Security is another key focus of Stripe Connect. Platform accounts have access to all transactional data that passes through the system, but also need to adhere to Stripe’s strict security standards to protect user data from unauthorised access. In addition, Stripe Connect provides detailed reporting and analysis tools to help organisations better understand and manage their financial flows.

Also read: Stripe’s valuation soars to $65B amid employee stock-sale deal


Adyen is designed to help organisations deal with complex commercial payment needs. Their services include global acquisitions, risk management, and the ability to process online, mobile, and brick-and-mortar payments through a single platform.

Adyen’s systems support multiple payment methods and can be localised across borders, which helps to reduce costs, shorten time-to-market and increase payment success rates. Adyen’s B2B e-commerce solution provides a seamless payment experience through integration with Salesforce.

This solution supports businesses to manage payments for retail, wholesale, and distribution channels directly on the Salesforce platform while being able to customise the currency and checkout experience, maintaining a centralised view of payment data. The benefit of this integration is that organisations can rapidly deploy payment systems without additional development, thereby accelerating business growth.

Adyen also provides enterprises with a wide range of payment management capabilities, such as view of payment details, management of transaction costs, refund and cancellation operations for payments, and full control over the payment lifecycle.

These features ensure flexibility and efficiency when processing B2B transactions, and are particularly suited to large organisations that require a highly customised and multichannel payment solution.

business-to-business marketing


Square offers efficient payment integration for B2B e-commerce orders, allowing businesses to accept payments during the checkout process, securely store customer card information, and link payments to invoices.

Square offers a variety of hardware options, including mobile POS (point of sale) systems, touchscreen registers, and integrated credit card machines that can support face-to-face payment scenarios.

Square supports almost all types of payments, including ACH (automated clearing house) transfers, which are particularly well-suited for regular or recurring business transactions.

Square charges a 1% processing fee for ACH transactions, with a minimum fee of $1 per transaction, and Square’s online and mobile payment transaction rates are also very competitive.

PayPal business

PayPal offers business customers a variety of payment methods, including direct bank payments, bank redirects, credit and debit cards, and PayPal digital wallet options. However, PayPal business does not accept cheque payments and global ACH direct credit payments, which are very popular for B2B transactions in the US.

PayPal has high cross-border and foreign exchange fees, usually between 3% and 4%. These fees can affect a business’s profitability and can cause delays in cash flow.

PayPal business accounts allow users to access business-exclusive features such as automated reporting, invoice generation, and multi-employee access. PayPal is also in the process of updating its technology platform to simplify seller fees for goods and services, with a flat rate of 2.99% for U.S. customers, with no fixed fees.

PayPal offers robust integration options that can easily integrate with existing technology stacks. It supports recurring payments and integrates seamlessly with shopping cart systems, which is especially useful for businesses looking to streamline their payment process and improve operational efficiency.


Tradeshift has launched ‘Tradeshift Pay’, the industry’s first end-to-end supply chain payments and finance solution, which integrates bill payment, supply chain finance, and blockchain-based early payment capabilities.

Tradeshift’s platform covers the entire procurement-to-payment process and supports the automation of e-invoicing and bill payment processes. Tradeshift has also launched a virtual assistant called ‘Tradeshift Ada’, which employs machine learning and natural language processing to help users with procurement, collaboration, and payment operations.

As a global network, Tradeshift connects more than 1.5 million organisations and offers a wide range of payment options, including virtual card payments, dynamic discounts, and supply chain financing. The platform supports several major banks and card providers, including HSBC (Hong Kong and Shanghai Banking Corporation) and Santander.


Yun Zhao

Yun Zhao is a junior writer at BTW Media. She graduates from the Zhejiang University of Financial and Economics and majors in English. Send tips to

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