The payment reality of B2B
A B2B transaction rarely looks like a retail one: it's high-value, invoiced rather than charged at checkout, and often settled by bank transfer between a supplier in one market and a buyer in another. Bank transfers that cross borders are slow by default, and a business waiting days for funds to clear can't always tell a delayed payment from a failed one without checking manually, one invoice at a time.
Reconciliation compounds it. An invoice raised for one amount doesn't always match what actually lands — a partial payment, a currency conversion, or a delayed transfer all break the simple one-to-one link between invoice and payment, and matching the two by hand doesn't scale past a handful of counterparties before someone is spending their week on it.
A transfer that's three days late looks exactly like one that never left. We tell you which.
How CyberPay helps
Four capabilities, built around what makes B2B different from retail: large amounts, invoices instead of a cart, and settlement across currencies and borders. Each addresses a specific point where invoice-based payment usually breaks down. Each targets a specific point where invoice-based payment usually breaks down, rather than a generic list of business-payment features.
Bank transfers and local rails for large-value collection
Buyers pay by the bank rail their market actually uses, sized for invoice-level amounts rather than a retail checkout limit built for a different kind of purchase.
Cross-border payouts to suppliers
Suppliers and vendors are paid out in their own market and currency, on the same platform used to collect from buyers, rather than through a separate wire process run apart from collection.
Multi-currency
Invoices are raised, collected and paid out in the currency that fits each side of the transaction, without a manual conversion step eating into the amount either party expects.
Transaction queries for reconciliation against invoices
Query-Transactions gives visibility into where a payment actually stands, so a partial or delayed transfer can be matched against the invoice it belongs to rather than investigated from scratch.
Methods and markets
B2B payments typically move by bank rail rather than card, at values retail checkout isn't built for:
- Local and cross-border bank transfer — sized for invoice-level amounts, cleared through the rail each market uses.
- Cross-border supplier payouts — paid out in the supplier's own market and currency.
- Multi-currency handling — collection and payout each run in the currency that fits.
- Transaction queries — match each payment against the invoice it's meant to settle.
CyberPay covers 73 markets across 6 regions — see the full coverage map.
Collection and supplier payout settle on the same platform, so an invoice and the payment against it are visible together rather than tracked in separate systems that drift apart over time.
Integration
A B2B platform can call the Direct API to collect and pay out programmatically against its own invoicing system, or use the Hosted Cashier where a simpler collection flow is enough. Pay-ins and payouts run on the same integration, with Query-Transactions matching payments against invoices. Build against the sandbox before moving live transfers.
Use cases
Three ways B2B businesses use CyberPay to collect high-value payments and pay suppliers out without reconciling invoices by hand. Each business invoices differently, but all three need the same reliable link between what was billed and what actually arrived.
A wholesaler collecting from international buyers
A wholesaler invoicing buyers across several countries collects payment through the bank rail each buyer's market uses, with each transfer matched against its invoice through Query-Transactions rather than tracked in a separate spreadsheet.
A services business invoicing across regions
A services business billing clients in multiple regions collects in each client's local currency and reconciles payment against invoice on one platform, instead of maintaining a different process per region as it expands.
A platform settling with vendors
A platform paying a network of vendors for goods or services settles those payouts in each vendor's own market and currency, on the same integration used to collect from its own customers.
Frequently asked questions
What payment methods do you support for B2B?
Local and cross-border bank transfer, sized for invoice-level amounts, alongside the local rails each market uses for large-value payments. Rail choice is matched to each buyer's market automatically, rather than requiring a separate integration per country.
How does reconciliation against invoices work?
Query-Transactions gives visibility into where a payment stands, so it can be matched against the invoice it belongs to, including partial or delayed transfers.
Can you pay suppliers and vendors out?
Yes. Supplier and vendor payouts run on the same integration used for collection, in the supplier's own market and currency.
What currencies do you support?
Collection and payout can each run in the currency that fits either side of the transaction — see the full coverage map. Talk to us about which settlement currency fits your treasury and invoicing setup.
What does onboarding involve?
Talk to us about your buyer and supplier markets and typical invoice values — coverage and payout routes are set up around both.
Ready to collect and pay out at B2B scale?
One integration for high-value collection, cross-border supplier payouts, and reconciliation against invoices.